Car park bump, first ever collision, worried! |
Car park bump, first ever collision, worried! |
Wed, 12 Dec 2018 - 15:09
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#1
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New Member Group: Members Posts: 3 Joined: 12 Dec 2018 Member No.: 101,404 |
Hello all. Here goes: busy Christmas shopping car park, I had a minor bump with a car. We parked up and exchanged details. Tiny dents and scuffs on both cars. I admitted liability because I was reversing (at very low speed) and I *think* that the other car was stationery in a queue behind me. I feel a complete idiot, been driving 30 years with no incidents. Have phoned my insurer to sort out paintwork and dent. My insurers have contacted the other driver to do the same (standard practice apparently). I called the other driver this afternoon to check he had all the information he needed and if he was OK. He said yes and that he was taking up the offer to let my company sort out his repairs. He was an elderly gent and I feel bad that he has the hassle of this to sort out before Christmas (not even mentioning the hassle for me, but hey ....)
Question: am I being completely paranoid to think that I might be issued with a notice of driving without due care and attention? It's a whole new world to me. Thanks for reading. |
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Wed, 12 Dec 2018 - 15:09
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Wed, 12 Dec 2018 - 15:17
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#2
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Member Group: Members Posts: 6,898 Joined: 15 Dec 2007 From: South of John O'Groats, north of Cape Town. Member No.: 16,066 |
Paranoia comes over from your post, loud and clear!
It sounds like a minor bump that the insurers are happy to sort out. There won't be any DWDCA implications. It may, however, impact upon your insurance premiums for a few years while you re-establish your NCD. Get on with your life and enjoy Christmas. -------------------- Cabbyman 11 PPCs 0
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Wed, 12 Dec 2018 - 15:19
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#3
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Member Group: Members Posts: 56,200 Joined: 9 Sep 2003 From: Warwickshire Member No.: 317 |
Even if at fault, don't admit it, insurers really dislike that.
-------------------- There is no such thing as a law abiding motorist, just those who have been scammed and those yet to be scammed!
S172's Rookies 1-0 Kent Council PCN's Rookies 1-0 Warwick Rookies 1-0 Birmingham PPC PCN's Rookies 10-0 PPC's |
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Wed, 12 Dec 2018 - 15:33
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#4
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Member Group: Members Posts: 521 Joined: 15 Oct 2011 From: England Member No.: 50,387 |
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Wed, 12 Dec 2018 - 15:39
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#5
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New Member Group: Members Posts: 3 Joined: 12 Dec 2018 Member No.: 101,404 |
Thanks for the replies and reassurance. Yes for sure I'll have a higher premium. But I also feel bad that the other drivers' premium might go up too..?
It's daft because there've been instances where cars have run into or scraped mine and I've just had to suck it up, as they say. Sometimes it happens the other way round I guess. @TheRookie ... I already did admit liability (I went to a Catholic school, still feel guilty for everything ) to keep things simple I guess. So am picturing the scene of elderly gent's son (if he has one) trying to persuade elderly dad to contact the police....! @NeverMind ..... oh bloomin' eck of course it's stationAry. I am normally very careful about such matters. You got me bang to rights officer ;-) |
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Wed, 12 Dec 2018 - 15:43
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#6
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Member Group: Members Posts: 6,898 Joined: 15 Dec 2007 From: South of John O'Groats, north of Cape Town. Member No.: 16,066 |
His shouldn't go up. Your insurers will foot the bill, hence a possible effect on your NCD for a couple of years.
It's a situation that, at a guess, many hundreds of people face every day. It's very minor in the grand scheme of things. The other guy will just be letting his insurers deal with it and getting on with his life. -------------------- Cabbyman 11 PPCs 0
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Wed, 12 Dec 2018 - 16:21
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#7
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New Member Group: Members Posts: 3 Joined: 12 Dec 2018 Member No.: 101,404 |
Thanks again. I suppose it's about learning and moving on. The solution is to avoid Christmas shopping in overly-stretched retail parks, methinks :-)
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Wed, 12 Dec 2018 - 19:19
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#8
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Member Group: Members Posts: 56,200 Joined: 9 Sep 2003 From: Warwickshire Member No.: 317 |
His shouldn't go up. Your insurers will foot the bill, hence a possible effect on your NCD for a couple of years. He has an incident on his record, it will go up, typically 5-10% for a non fault incident. -------------------- There is no such thing as a law abiding motorist, just those who have been scammed and those yet to be scammed!
S172's Rookies 1-0 Kent Council PCN's Rookies 1-0 Warwick Rookies 1-0 Birmingham PPC PCN's Rookies 10-0 PPC's |
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Wed, 12 Dec 2018 - 21:07
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#9
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Member Group: Members Posts: 25,726 Joined: 28 Jun 2010 From: Area 51 Member No.: 38,559 |
His shouldn't go up. Your insurers will foot the bill, hence a possible effect on your NCD for a couple of years. He has an incident on his record, it will go up, typically 5-10% for a non fault incident. Yup His fault for being there. However, while his own insurance may go up (mine went up best part of 20% for a no fault minor shunt two days before renewal), other companies were happy to quote less despite the shunt. |
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Wed, 12 Dec 2018 - 21:08
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#10
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Member Group: Members Posts: 1,570 Joined: 13 May 2010 Member No.: 37,524 |
His shouldn't go up. Your insurers will foot the bill, hence a possible effect on your NCD for a couple of years. He has an incident on his record, it will go up, typically 5-10% for a non fault incident. If it can be proved, can he hold the OP liable for that increase? After all, why should one face an increase in premiums through absolutely no fault of their own. |
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Thu, 13 Dec 2018 - 20:44
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#11
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Member Group: Members Posts: 38,006 Joined: 3 Dec 2010 Member No.: 42,618 |
His shouldn't go up. Your insurers will foot the bill, hence a possible effect on your NCD for a couple of years. He has an incident on his record, it will go up, typically 5-10% for a non fault incident. If it can be proved, can he hold the OP liable for that increase? After all, why should one face an increase in premiums through absolutely no fault of their own. Because statistically a motorist involved in a non-fault incident is more likely to go on and make a fault claim at a later date, compared to a motorist who has been involved in no incidents at all. -------------------- If you would like assistance with a penalty charge notice, please post a thread on https://www.ftla.uk/index.php
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