After a non fault ( my opinion) bump, should I go straight to the 3rd party's insurance, or to my own? I've noticed these threads here before, but can't remember any definitive answer. As always, I welcome and respect your sage advice.
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I was unlucky enough to have someone drive into me in early July, and the other driver put his hand up, admitted liability and phoned his insurance company at the scene.
It's nice when people still have some honour and pride....fair do's to the other driver.
If you check your policy terms and conditions I am sure you will find that you are obliged to inform them of any accident or other incident that may be covered by the policy and to not do so could invalidate your insurance.
If you do that you will have to declare it on every insurance quote request for 5 years even if no claim is made. Your screwed if you tell them as not doing so could invalidate your insurance and your screwed if you don't as it will go against you for the next 5 years.
David
So as Bart Simpson says.....
"You're damned if you do, and you're damned if you don't"
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