[CHOW05]

so basically, I was stationary and a delivery scooter driver hit me in my bumper, sounded like a BIG BANG. Either he wasn't looking or expecting me to brake to a stop? so my bumper is undamaged, just a little scuff, I wiped it off and boom disappeared, however his front mudguard was cracked, body work a little unclipped and he needs replacement forks as it pulls to the left etc.

when the insurer calls up if I say my car is undamaged and I do not wish to take further steps do I need to declare a non fault accident?( sometimes your price goes up, I've seen on comparison website).
There is no visible damage, is it possible that underneath, the crash bar etc could have been moved/damaged. I'm pretty sure the impact was from his front wheel to my bumper at 10-20mph hence no damage but I pushed my foot against the bumper and the zoe bumper pushes in, touches the crash bar and comes back out.

 

[555djx]

Have your car inspected by a Renault EV service centre. There could be underlying damage that you’re not aware of. No matter what damage has been caused, whether minor or major, you want your car returned to the condition it was in before the accident. It was an accident, these things happen, you can’t undo that fact, get it sorted and move on.

 

[JamesG]

He would be claiming on his insurance though wouldn't he? Not yours. Why would your insurance company call you?

A little unrelated but i bumped in to a girl. Was my fault she set off at a junction and stopped. I took my foot of the brake and rolled forward while looking to right to see if traffic was coming and slightly bumped her. No damage to my car and a scratch on hers. (Her whole car was covered in scratches and bumps) hardly knew i even touched cars. At the time she said no bother and i said for her to get a quote for scratch and i would pay to fix it. One year later she has turned down €12k for wiplash and is waiting for a new offer from my insurance company. Insurance company dont want to go to court as average wiplash payout is about €16k. This is in ireland btw.

 

[Tandy0]

Have your car inspected by a Renault EV service centre. There could be underlying damage that you’re not aware of. No matter what damage has been caused, whether minor or major, you want your car returned to the condition it was in before the accident. It was an accident, these things happen, you can’t undo that fact, get it sorted and move on.

Ditto. Maybe even whiplash for you in a day or two.

 

[donald]

so basically, I was stationary and a delivery scooter driver hit me in my bumper, sounded like a BIG BANG. Either he wasn't looking or expecting me to brake to a stop? so my bumper is undamaged, just a little scuff, I wiped it off and boom disappeared, however his front mudguard was cracked, body work a little unclipped and he needs replacement forks as it pulls to the left etc... i told him don't worry about it etc no damage but he insisted to make a claim to my disappointment as now for the next 5 years I will have to declare non fault claim... i think?

when the insurer calls up if I say my car is undamaged and I do not wish to take further steps do I need to declare a non fault accident?( sometimes your price goes up, I've seen on comparison website).
There is no visible damage, is it possible that underneath, the crash bar etc could have been moved/damaged. I'm pretty sure the impact was from his front wheel to my bumper at 10-20mph hence no damage but I pushed my foot against the bumper and the zoe bumper pushes in, touches the crash bar and comes back out.

"Have you made a claim?" .. No
"Have you had an accident?" ... No
"Have you been involved in an accident?" .. No, but my stationary car was driven into when I wasn't driving.
"So you made a claim?" .. No
"So you had an accident?" .. No
"You have to report every incident." .. A fly hit my windscreen the other day, do you want me to report every time that happens?

 

[Dion Rust]

he insisted to make a claim to my disappointment as now for the next 5 years I will have to declare non fault claim... i think?

I’d definitely be adamant he’d be claiming off he’s insurance because it was his fault. I don’t see the problem!?

 

[ArthurGreenWorld]

As long as you have told yours about it just in case Renault do find something if you have it checked as they will need to claim against his insurance. As you were hit in the rear no fault can be attributed to you.
It's also part or the contract between you and insurance company that you tell them of any accident even if not your fault and no apparent damage to your vehicle.. just incase he makes some form of allegation to his insurer.

 

[donald]

when the insurer calls up if I say my car is undamaged and I do not wish to take further steps do I need to declare a non fault accident?

What you need to do is call your insurer and say someone drove into your stationary car with a moped but you had no damage and will not be making a claim. They should take a note and that will be that.

Then ignore anything that arrives from the other party's insurer if you like, or explain it to them as you wish.

You probably do need to make that statement to your insurer, I think they would expect you to tell them. I did likewise some time back and that was that.

 

[ArthurGreenWorld]

As Donald said... tell them you are not claiming and it is for information only..

 

[CHOW05]

Have your car inspected by a Renault EV service centre. There could be underlying damage that you’re not aware of. No matter what damage has been caused, whether minor or major, you want your car returned to the condition it was in before the accident. It was an accident, these things happen, you can’t undo that fact, get it sorted and move on.

Thanks, they will probably charge me at the dealer for inspection, should i call the insurer say xyz and make sure the inspection cost comes out from the third party.

cheers

 

[Tandy0]

Thanks, they will probably charge me at the dealer for inspection, should i call the insurer say xyz and make sure the inspection cost comes out from the third party.

cheers

You want the other driver's insurers to pay for any inpection. I suggest you pay out of your own pocket for now until they agree.

 

[555djx]

Thanks, they will probably charge me at the dealer for inspection, should i call the insurer say xyz and make sure the inspection cost comes out from the third party.

cheers

Yes, you should provide all the details of the accident to your insurer, time, date, circumstances, name and address of other party, and details of their vehicle including registration, they will then move it forward. Note that if the other party has refused to provide their details, which is required by law, it's then a Police matter. As it's a Renault EV, also tell your insurer that you want it inspecting by a Renault EV specialist. You may have to pay something out initially under uninsured losses, but that's not necessarily always the case. Ultimately, all costs incurred by you to put you back to where you were before the accident occurred, assuming they accept liability for the accident, will be paid by the other party's insurer. Under no circumstance should you enter into dialogue with the other party's insurer, that's your insurer's responsibility. Good luck.

 

[Johnny Read]

As the example of @JamesG shows - the other party can wave it off at the time, then decide to submit a claim later. Another example of the benefit of dual cameras on a car.

 

[TJEV]

This “you must call your insurer” stuff doesn’t hold true IME. They’ll contact you if they’re bothered... why invite trouble?

 

[RiverRock]

You're contracted to say to any insurer on future renewals that the incident has happened. If you don't, they may deny a future claim.
You can get his insurer to do any checking of your car, organise trip to garage, provide courtesy car, rather than your own. Better for them to organise, as you then have to pay nothing yourself at any point.

 

[donald]

This “you must call your insurer” stuff doesn’t hold true IME. They’ll contact you if they’re bothered... why invite trouble?

It is a condition of most insurance policies to inform them of all accidents. Take a close look at yours.

The trouble will come if they say a thing was an accident and you say it wasn't. They'll win, and you might get refused insurance in the future.

Not sure why risk it? I have not had a problem advising them of a no-claim 'situation'. They ask if you want to make a claim and you say 'no'. They don't have any procedures after that so they say 'bye, have a nice day' and that is that.

 

[TJEV]

Oh yeah I mean if they call and ask, you say yes. I’ve had that before. No worries.

But if you don’t call, there’s a chance they’ll never hear about it (and therefore no chance of them asking awkward questions) 😉

@RiverRock ehhh I’ve been contracted to do all sorts of things. Reality is often very different!

 

[X4dow]

Be careful. Had a similar instance before. Some woman drove off a car parking bay straight into the back of my car in a car park.
She took the blame, apologised, we swapped driving license details just in case. My car had only a tiny scratch on it that i could buff off, her car had a broken bumper and headlight.

As she took the blame and wanted to pay for my repairs i said "you know what, shithappens, its ok with me, you just have to sort your own car, probably wont cost you much if you get some parts from a scrap yard (she had a common car like a 206 or something)".

All good, i didn't give a shit to have that tiny 1pence coin sized mark on my bumper.
2 Months later, my insurance called me saying this woman has put up a claim on her insurance as I reversed into her car while she was parked.
Long story short,1 month of nightmare comms with insurance and3rd party insurer that would them decide "who was at fault". Then they decided that it was my fault. I had to dispute it, and in the end they gone on my side just because her description/drawing of the incident would have had the damage on the wrong side of my bumper where she hit. Because of that alone. If she had remember what side of my carshe drove into and didnt get that wrong, I would have been the one at fault.

My insurance fixed my 1p coin sized scratch and her insurance had to pay £780 for that 5min buff up job that was done on my drive way.
For 5 years i got to put "1 claim, non fault,£780 + date" on every insurance quote i make.

My 2cents? Get insurance involved and get the other person to pay for it. Going quiet will only work against you if they act as if you drove into them (with no damage, they will likely even claim that you fixed your car to hide evidence). some people out there are crazy.

 

[TJEV]

You missed a few chances to control the narrative and engineer things in your favour there IMO.

1... why even engage in conversation with her? Take her plate down, ask her the name of her insurer, go home and call them “your driver with plate xx hit me, don't worry I’ll fix it”.
2... why did your insurer arrange or pay for anything? When they decided it was her fault I’d have insisted it’s all done by her insurance, right?
3... finding out the repair cost. If it was “unknown” and you were to record “unknown” on certain comparison sites, they actually send an integer to the insurer’s website for database compatibility - and that value is zero 😉 questionable but not your problem, you entered it correctly.

Just my opinion though 👍

 

[donald]

These days, don't forget askmid and vehicle check on your smart phone (assuming you might have one), make sure they are motd/taxed/insured too in case they are the bad guys and you end up needing to make a claim.