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 ?

You're overthinking this, OP. People settle outside of insurance all the time for minor scrapes etc, even when other parties are involved. Usually it's "OK, get a quote and if it's reasonable I'll just pay".

Insurance companies are there for when you need costlier repairs, and the increased premium is to offset against careless customers or bad drivers that end up costing them a fortune. Why should they be given a chance to put up your premium when you haven't even claimed off them?

I bet you don't call your home insurance provider and inform them of every item that gets damaged when you're not claiming.

Unfortunately that's perfectly legal thing to do with cars.
You can either claim on the insurance or choose to pay for the damage yourself.

The issue of him drug driving and nearly killing himself and endangering others is a different matter.

Did you miss the bit about where he hit a lampost under the influence of drugs and drove off?

Edited to add I assume he drove his written off car home off rather than left the car there or the police would have already been round.

Jesus, the dislike you have for your DPs son is dripping off this post.

There was no other party involved and he doesn't need the insurance payout to buy a new car so why would he inform his insurance company and have his premiums affected for the next 5 years? That would make absolutely no sense.

You'd do well to just keep your nose out of it and whatever opinions you have about it to yourself.

You have to inform your insurer of any accidents.
You have to inform the police if you damage something like a lampost. You don’t get to choose to not do those things. If you look at the paper work for your insurance it will state that you must inform them of any accidents even if there is no claim.

One of the principals of insurance is ‘ utmost good faith’ it is a contract where you give them facts and they assess a risk. So they will be pricing the new policy without the full facts. Very definitely fraud. You will have cheated them out of the full premium due. Depends if you have integrity or not, but fraud is a crime.

Another poster who’s missed the fact he hit a lampost whilst under the influence of drugs!

As a drug driver killed my friend I I don’t give a shit if his premiums go up I hope they don’t ever insure him again.

Yea he can scrap the car with no repercussions providing no one was hurt (who wish to seek compensation) and no damage was caused to another car or property.

Are people just not reading the thread where the OP has stated he’s hit a lampost under the influence of drugs and hasn’t reported it to the insurance or police or are all these replies just AI bots??

I give up with some of these replies. All these people saying it’s ok and don’t tell the insurance are going to have a big shock one day when something similar happens to them and their insurance is invalidated.

Wasn’t the lamppost damaged? I know someone who got an £800 bill to repair a street lamp after a bump. Scrapping a car is a completely normal thing though. I’ve scrapped a car after hitting my own house. It was in gear jumped forward and hit an iron drainpipe ( which was fine). I think if the car is worth less than 1k it’s not really worth claiming due to excess / increased premiums

@imnotsickbutimnotwell and you're another poster who has missed the fact that she has NO proof of this alleged drug driving. She said she is '90% sure' which, judging by her obvious dislike of her DP son, could be utter bollocks as well.

Also no mention of him driving away after the accident which you mentioned earlier.

I don't condone drink or drug driving by anyone, but the OP is ridiculous to think he should report this to his insurance if it's not necessary to buy a new car.

Which was not the case, as he hit a lamppost, which is someone else property. Council property.

I'm not sure how much integrity I'd have towards an insurance company given how they look for pretty much any tiny reason to deny a claim.

Exactly @FatPrincess! The stories from people I know personally who had not had their house, health and car insurances pay out are sickening. I wouldn't have any loyalty or sense of obligation to an insurance company. The only reason I have insurance is because it's illegal not to but I would avoid making a claim against my insurance in the vast majority of instances.

I would be tempted to do this if no third party involved and my imaginary Sugar Daddy could buy me a new car. However, how does he know that there isn't CCTV, dashcam or doorcam footage or even an actual witness? It could be weeks before the council investigates and then he'd be in an awful lot of trouble.
I guess that's the risk he takes.
If he was my DS he wouldn't be getting another car for sure!

In fairness, neither the lampost or the drugs were mentioned until a lot of those replies were made.

So, in summary, he probably wouldn't obliged to report damaging his car, repairable or not, if no other person or property was damaged, to his insurer.

If he buys a replacement car, he will be obliged to declare that he had the crash but didn't make a claim, so that his new policy is based on the correct risk.

As he has hit a lamppost he is obliged to report to the owner of said lampost so that they can claim, and possibly also to the police.

If he was, as alleged, under the influence of drugs, then the OP and/or her partner, and/or anyone else who knows this, should report to the police.

The OP is obviously upset, and sounds frustrated at her DP and his son, but has confused the discussion by saying that the car was "written off", when it had just been declared irreparable by a garage, "lying" when this had not taken place, and not mentioning the lampost, and more crucially, the drugs, until people disagreed with her.

Other factors in whether this was a serious, irresponsible crash include what damage the car actually sustained, the car's age, weather, lighting, and particularly whether drugs were involved or not.

There's plenty of things one 'should' do in life... reporting an accident to my insurance company, when I don't intend to make a claim, so that they can torture me with premiums for the next 5 years is not something I would be doing.

I had an accident a few years ago, dodged a pheasant and went through a neighbours hedge. Did I pay for the damage? Absolutely. Did I inform my insurance company and the police? Absolutely fucking not. Madness

Tow trucks exist as well you know, he could have had the car towed. Nowhere does it mention he drove away from the scene. Just like it doesn't say he was definitely drug driving.

Council property being damaged is another thing. This should obviously be admitted to and resolved but the OP has been so vague on details we don't know what happened with the lamppost.

My last comment noted for you @imnotsickbutimnotwell

If he was, as alleged, under the influence of drugs, then the OP and/or her partner, and/or anyone else who knows this, should report to the police.

I'm not sure how wrecking his life with a criminal record will help unless he seems the type to not learn from his mistakes. Sounds like a good way to end up estranged from your children.

I am not a troll . He was very likely drug driving .The car was worth 4k . I don’t like him it’s true , there is always drama .

I doubt a great deal of investigation will be done about the lamp post tbh as it may not even be reported for days and might require a lot of time to investigate. I work for a haulier and truck drivers are forever damaging street furniture.

@Crikeyalm and can you tell us what he did about the lamppost OP? Did he report it? Drive away?

Drove away

How damaged was the lamppost? Was it a street light or a wooden telephone pole?