Lying re car accident

[Crikeyalm]

DP son has written off his car but so insurance doesn’t go up is not telling insurance company he has had accident , his dad is going to buying him a new car and they will just insure this . Aibu to thinking this is awful ?

How have the insurers written it off without being aware that it was in an accident?
How was the damage explained?

Insurers haven’t written it off as no claim being made , new car being bought and new policy started without saying old car written off .

How are you classing it as written off or was the car totally destroyed?

Garage says it’s not repairable

How did he write it off? Presumably no other party involved? You've got to declare on the log book if it gets scrapped so there's a paper trail linked to this. Apart from the fact he's a greater risk on the road, lying to your insurance company invalidates your policy.

He crashed it , I kind of assume that insurance co Will eventually find out or is that not how their database works ?

Not a problem OP, stop catastrophising.

The car won't be scrapped, just sold for parts. What would the kid make his life more expensive and difficult just so an Insurance company can make more money.

He just buys a new car, doesn't have to even mention whats happened to the old one.

This happens every day.

Very few people tell their insurance company about collisions when nobody else is involved.

What's he telling the insurers as to why he's no long the registered owner? They can search the Dvla database whatever he tells them.

Were any other parties involved? He can just declare SORN them get it scrapped I think. Not sure if you are required to tell insurance?!

No it's not awful because it's no cost to them, he's not claiming for anything. Why would you tell them?

When he applies for new insurance he'll be asked "have you had an accident in the last X years" so he'll have to knowingly lie, technically making his insurance invalid.

However in reality no one will know.

This happens all the time, it's not always worth claiming for things if it puts insurance up too much....sometimes it's better just not to mention it.

You say it stopped working if anyone asks! No need to tell the insurance anything if you're not making a claim, just scrap it.
The engine died on my first car, it was scrapped and I told the insurers I didn't own it any more. They weren't the slightest bit interested in what had happened to it, and I got a refund for the unused months insurance.

As long as no-one else was affected by the crash, this seems the right thing to do. If he's not claiming, and a third party doesn't have a claim, why would he need to contact the insurers?

You can scrap car for any reason, it could be because the engine is knackered, it doesn't need a reason, no one will ask, it doesn't get logged why it was scrapped. The only issue is if he's damaged someone's property when he crashed it and they make a claim. Could be the council if he's crashed into a lamp post for instance

He did crash into a lamppost , he’s not a kid he’s 25 .

I thought you were asked if you’d had a claim, rather than an accident?

an accident could be anything from a tiny scrape of a wing mirror, to running over a cat or hedgehog, or coming into contact with a fence or bollard when reversing, but causing no damage.

i don’t recall ever thinking about that when renewing my insurance or I’d have dithered about the time a stone kicked up and left a mark on the bonnet…

Well he better hope there was no CCTV putting his car at the scene if the crash then....

So he's happy to lie so his DS can go on driving. His DS is old enough to own up to his mistakes without his Dad lying for him

It's an offence not to report an accident involving street furniture. If it was bad enough to write his car off, I assume the lampost was badly damaged. They very likely WILL find him. You'd be surprised at what lengths that department will go to to claim for the damage. His dad is an arse and could be creating a huge problem for your son.

If he’s crashed into a lampost then he should have notified the police/insurance of the accident at the time. The insurers would then repay the council for the damage.

Were there any witnesses? Near buildings that have CCTV/ video doorbells/road cameras? Better he owns up rather than trying to get away with causing damage to someone else’s property and the police want to question him about why he didn’t report it.

It's a material fact, so he should advise insurers. He will be in breach of the terms and conditions of his policies hereafter if he doesn't.

However, I don't expect he will, and will continue paying lower premiums than his driving history deserves.

He can just scrap it, and the paperwork goes to the dvla from the scrappie…in general terms if an accident doesn’t hurt anyone and doesn’t cost the insurance company money, they don’t care.

Yes, technically you’re supposed to tell your insurance about every single knock and dent, but did my dc tell them last week when his wing mirror was hit and taken off by a passing car? Did he hell, the driver kindly stopped, came to the door, apologised and once dc had a price for the repair, bank transferred the money to cover it, That’s what happens in the real world.

In my almost 40 years of driving and many working for the police, I’ve NEVER heard of anyone advising their insurance of a knock that isn’t going to have a claim

Nothing will happen, nobody else was involved. He will be asked any previous claims, not any previous accidents. His insurers have no need to know if it was a single vehicle incident and he isn't going to claim.

What's he telling the insurers as to why he's no long the registered owner? They can search the Dvla database whatever he tells them

It's nothing to do with them, they won't care. People buy, sell and scrap cars all the time.