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 ?

Are people aware that insurers make hardly any money on car insurance? And that if he has had an accident, it is a lot more likely he will have another accident. By not telling them, he is committing fraud to keep his insurance down the next time he renews his policy and ticks the 'no accidents' box. And ultimately passing the costs of his increased risk, to every other person punching car insurance.

He crashed into a lamp post? It sounds like he wasn't paying attention

Though, technically, he didn't make a claim and therefore doesn't have to disclose it, just buying him a new car sounds like a disaster waiting to happen

Your must report accidents you have in your car to the insurers even if you are not claiming: https://www.gov.uk/vehicle-insurance/if-youre-in-an-accident

And he crashed into a lamp post!! The council will be wanting him to pay for that! He's taking a huge risk nor coming forward to take responsibility for that!

If he's not claiming off his insurance it's fine. It's not lying. Get the new car then insure it.

OP is being silly. You can scrap a car for whatever reason.
It may gall you that he is not paying increased insurance payments, but you are being petty.

Its always the insurance company who wins, where most of us pay for years and years for nothing, why do you want to increase their damn profit ?
You just want to spite this lad.

It's not fine. He hit a lampost. It's an offence to not report an accident with street furniture.

Hmm I am not his greatest fan , he was 90% drug driving .

Why did he crash into a lamp post? Instead of ignoring the situation his driving ability needs re evaluating. Next time he might crash into a car with a family in it? He needs more refresher lessons. Stop being irresponsible. Also who is going to pay for the lamp post? He left a crime scene, and no doubt there will be cctv footage somewhere anyway. He will probably crash this new car too unless he has more learner/refresher lessons.

But how will telling the insurance improve his driving? Surely the consequence is the loss of the vehicle, so hopefully the lesson is still learnt.

If its a condition of his policy, then I guess he must inform them, but it's seems a bit illogical if its just to create extra consequences to me.

Techinically, actually, it's an offence to not report an accident with street furniture so technically, he DOES have to disclose it.

In that case, he owes the council or highways for the damage to the lamppost, so perhaps he will need to claim on his insurance.

A while back someone posted on here because she crashed into traffic lights and drove home, then the police turned up at her house because she didn't report it. You might find you have greater things to worry about.

Wow this just gets worse and worse

@Crikeyalm is NOT being petty. Her son has committed an offence. YOUR insurance costs MORE because of people like the OP's son, how can you not understand that? If the lampost is damaged then the council claims off their insurance, which means YOUR premiums go up!!

So have you decided what you would like to have as music at his funeral, should he continue to drive whilst under the influence of drugs and crash and die? Do you like to see young black boys murdered or those in Mexico and Columbia (for example) because of the drugs trade?

If you do not take active steps to ensure he is held responsible and preferably lose his licence, that is what you are effectively doing. Also covering up a motoring offence led to a former MP going to jail.

How do they not make much money on car insurance?

This is so unbelievable now all this drip feeding. I don’t believe any of this is true.

Well in that case you should surely be reporting it to the police?

Surely crashing so hard a car isn't repairable will always involve damage to some other object? What could you crash into that wouldn't be damaged? And whatever you hit would belong to someone.

But daddy is buying him a new car, so he doesn't have to learn a lesson! If he has to pay higher premiums (assuming daddy doesn't pay them!), maybe he will learn that bad driving = money out of his pocket, then = lesson learnt!

It's the condition of EVERY policy that accident = informing your insurance.

He isn’t my son.

Completely wrong advice when there is damage to a third party.

He needs to report the accident to the police and his insurance. He should have called the police at the scene and not left.

He would be “lying” (committing fraud) next time he takes out insurance and does not state he has had an accident in the last x years. His insurance will then be revoked and he will not be able to get insurance at all.

I work in car insurance and we specifically ask “any accidents, claims or losses in the last 5 years, even if a claim wasn’t made”. So yes he would have to lie on his insurance going forward by not declaring it. It would go down as “notification only” unless the lamppost needed to be repaired.

If he’s been drug driving and crashed the car you should report him to the police yourself.