Not going via insurance

[boopetboopt]

I was hit today. Should I go via insurance and notify them? I have address, registration and dash cam.

Ps you are supposed to tell them
of all incidents

Of course you should. They will get in touch with the other driver to claim off them.

Legally you are meant to go through insurance.

However it is not unusual, for small bumps with no injuries and where cars are not on finance, to just sort it out between drivers. Obviously there is a risk the other person doesn't pay up when asked to do so.

When someone hit my legally parked car, I told the insurance. The lorry driver who hit me did give details and his insurance paid for my car to get fixed (was undriveable, badly smashed).
But my insurance went up after, because I was involved in an incident. Even though I wasn't there. I was in a shop, so I didn't think it was very fair. Such is life, people will say.

It would depends on the damage, but it can be surprising how a 'small' bump can cause significant damage which isn't apparent to the human eye (which is what I have) as, for example, absorbant bumpers can appear fine but have lost their absorbing ability.

Once someone went into tbe back of me and said 'oh it's just the light, maybe £35?' I said no (it was a company car) and it turned out you couldn't open the hatchback because it was deformed.

Yeah so I’ve had that area before repaired by insurance and it rusted because they didn’t do it right

Depends on the extent. Honestly if it’s easily fixed don’t bother.
It will cost your insurance next year whether it’s your fault or not.
Also I’m a believer in treat others how you would want to be treated. My mate claimed for whiplash and car damages after her car was nudged by the car behind. I think think less of her now and her friendship group dwindled because she was clearly on the make. Shes costing us all in Insurance premiums.

Yes. If the other party reports, and you don't, your insurance company may decide to cancel your policy and, as insurance companies share information, you may become uninsurable.
We reported a no damage bump (other party's fault) and our insurance was not affected.

You don't have to claim through insurance but you do have to notify them you've been in a collision.

I think you need to be a bit more vague before anybody can give a sensible answer

How much damage?

My car received a tap earlier this year and after it was checked out, I accepted cash to get it sorted (minimal damage, very cheap).
No way would I have considered informing insurers for that (goes against MN thinking I know).

I’m not a car repairer so I don’t have the skills to know

In that case, you go through insurance.

I would bother unless it's a big deal. Car insurance is a total scam, isn't fit for purpose and needs complete reform.

Always, always go through insurance.

Yip. Similar happened to us - they said “it’s not no blame, it’s no claim”. Just bring involved in an insurance claim makes you a higher risk. It’s so unfair.

I would now try and dirt a minor issue out without involving insurance. If it’s a bigger issue, you’re fekked either way!

Agree with this.

Insurance is SO stacked against ordinary people.
How they can in all conscience put your insurance up when someone hits your parked car, admits it, and pays for the damage is beyond comprehension.

It is a practice that will only encourage people so sort things out without them.

I need a new car seat as it could be damaged. They seem to pay