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Ford Focus - minor incident - report to insurance company? - eustace

Hello All,

My wife was involved in a minor accident today.

She was parked outside our son's school, when another passing car brushed the side of her car.
The other driver apologized and exchanged insurance details with my wife.

After coming home I realized that it was just a few scratches, with most being on the plastic bumper, and 2 on the wing panel.
According to my wife, the other car also had a few scratches.

Given that it is a 16 year old car, and has a few other minor scratches, I don't think it's worth claiming from insurance.
I will probably just touch up the scratches with a scratch repair kit.

My wife omitted to ask the other person, his contact number. The other driver serves with the British Army and has insurance with Forces solution.
We are not sure whether he plans to report it.

Should we report this incident to either my wife's or the other party's insurance company? Any advice welcome...

Ford Focus - minor incident - report to insurance company? - Andrew-T

Going by your description I can see no point in claiming anything. The only worry might be for the third party to try to claim something bigger, tho that would be difficult as your wife's car was stationary. Could be worth reporting it to your insurer saying that you are not claiming.

Ford Focus - minor incident - report to insurance company? - eustace

Thank you!

Ford Focus - minor incident - report to insurance company? - Steveieb

You were so lucky to be involved with a cooperative third party.

The trend these days is fi the guilty party to either drive away or intimidate the innocent party especially if it’s an elderly driver.

The hostility can kill drivers with a weak heart as shown in a recent Tv programme about unexplained deaths where underlying medical conditions can become exacerbated in conflict situations.

I heard of a case where a driver aged 75 was turning right from a queue of traffic and another car in the queue overtook three cars and hit the driver sideways and then started intimidating her and blaming her.

Getting to become the norm unfortunately as less people bother to insure. The 91 year old who ran her car into a baby and mother killing the baby wasn’t insured either as she said she wasn’t paying for a service for which she only used once a week !

Ford Focus - minor incident - report to insurance company? - John F

.......The 91 year old who ran her car into a baby and mother killing the baby wasn’t insured either as she said she wasn’t paying for a service for which she only used once a week !

Does that mean she (or eventually her estate) will be sued for damages, or will they come out of the uninsured drivers pot.....subsidised by law abiding drivers' insurance premiums?

Ford Focus - minor incident - report to insurance company? - Adampr

You were so lucky to be involved with a cooperative third party.

The trend these days is fi the guilty party to either drive away or intimidate the innocent party especially if it’s an elderly driver.

The hostility can kill drivers with a weak heart as shown in a recent Tv programme about unexplained deaths where underlying medical conditions can become exacerbated in conflict situations.

I heard of a case where a driver aged 75 was turning right from a queue of traffic and another car in the queue overtook three cars and hit the driver sideways and then started intimidating her and blaming her.

Getting to become the norm unfortunately as less people bother to insure. The 91 year old who ran her car into a baby and mother killing the baby wasn’t insured either as she said she wasn’t paying for a service for which she only used once a week !

What nonsense is this?

You have heard one story that may or may not be true and extrapolated that to a trend.

I've been hit a couple of times by other drivers. In both cases, they stopped and were perfectly civil about the whole thing. And no, I'm not massive and scary

As for the tragic case that you mention, said 91 was living with dementia and was not capable of making that sort of decision. You cannot correlate one case of somebody who was mentally incapacitated (and unaware of it) with 'the norm'.

Ford Focus - minor incident - report to insurance company? - Gibbo_Wirral

What does your insurance policy say?

Even though you didn't cause the accident and do not wish to claim, you still may be obliged to notify them.

Ford Focus - minor incident - report to insurance company? - eustace

I have reported it to the insurance company, and said that I do not intend to make a claim.

They have noted it in their system, as a no fault "incident". They say, that I need to declare it as such, during renewal.

Thanks for all inputs received.

Ford Focus - minor incident - report to insurance company? - leef

I get the safe thing was reporting it... the crazy thing is your insurance will probable rise next year as your a statistic for that car "type" and damage etc. Was watching a program on how even ringing your insurance to ask a question can be logged in a negative way.

Found a pretty old article on it as well:

Insurers can log incidents "which may or may not give rise to a claim". This is in the interests of preventing fraud, but they also use it to assess the likelihood someone will claim in future.

"It's absurd that calls that do not result in a claim should affect your record," says Steve Foulsham, head of technical services at the British Insurance Brokers' Association (Biba). "It really doesn't stack up. If no claim is made, that incident should be filed as 'no payment' in the database. It is unfairly treating people who do the right thing by calling up to notify their insurer. Even worse is that most people do not know that this information is being logged in a way that can potentially be used against them, even for incidents that do not necessarily make them more risky."