Just had a smash, some idiot pulled onto the roundabout causing the car in front to brake hard i hit him and the guy that pulled out and made us all brake drove off......Doesn't look too bad but the radiator is punctured and the slam panel looks a bit bent. His car didnt look damaged at all weirdly enough. Pictures to follow....

I don't have protected no claims, would have preferred not to crash but i was thinking about getting rid of the car soon anyway. If the third party doesn't claim on my insurance or i can sling him a bit of cash what are my options. So far i have:

break the car
Flog it cheap to get rid quick
Repair it on the cheap

or claim on insurance and watch my premium go through the roof and my 4 years no claims disappear.

One thing i'm now a bit worried about is i had to phone the insurance company initially as i was worried about recovery etc so they opened up a claim on my account. If i don't decide to go through with insurance will i still lose my no claims if neither me or the third party go through the insurance? Or what happens if just the third party claims off me?

Would prefer this not to turn into a request list for parts just yet

Thanks in advance

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"We never have any near misses, we hit them every time!"

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If you hit the car in front it's a fault claim and the 3rd party can either claim through your insurance or use theirs, and their company will obtain the money back from your cover. Either way you may be losing your NCD.

As above.


I'ts also worth reporting it to the police as you dont want a whiplash claim in the future and the other guy has left the scene of an RTA which is an offence itself

Depends on the repiar do you need bonnet , bumper , slam panal , x2 head lights and radiator? plus odd smal part here and there it would be worth repiaring you're self if you get parts of here on the cheap

Be careful with this. You have already informed your insurer, and can't reverse that. It may be best to contact the police and tell them what has happened too, in order to cover your ass. It is wise to act responsibly in the eyes of the law, if the other party decides to be awkward at a later stage it will help you. Write a full account of the event and put it aside for your own reference, even if it ultimately is not required. If the other party decides to report the event it's best to be seen not to be avoiding the issue.

Keeping the whole thing off a public forum might also be a good idea.

By the way, the above does not constitute legal advice. It's just an opinion. The forum does have a policy regarding accident threads. You can delete your own posts, but (I am willing to be corrected here) if you are quoted it gets stickier. Basically, take advice in private.

I hope it works out ok.

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Hens teeth rocking horse poo Cossack Ph1.3

Try reading OP's post again....

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Black X Reg PIII.VGTi 6 A4212 pt 1 A4212 pt 2 Searching the streets of Bristol for 1.36p/day.

Joint Kent Leader

Not sure about some of the replies - the guy that caused the braking and drove off technically did nothing wrong, as he was not involved in the accident. It's sadly your fault for being too close and not braking fast enough.

I think you have done the right thing in reporting it, whether you claim or not will affect your future premiums further, the other guy will almost certainly claim against you anyway so NCB will be dropping a little...

Shit news mate why are people such idiots on the road?

The other party is taking a BIG risk. If it popped your rad then surely it will have done something. If your insurance is taking a hit anyway, I'd get them to get it checked properly.

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Ex SC-6

Now in a Megane R26

Bloody hell if you can afford a spangly Cupra then you obviously aren't doing bad, stop whining

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VW Golf GT TDI 115, 100k nooooooooooooooooooooo!

I think it was Jim that said he played things by the book and reported that one of his cars was broken into, but wouldnt be making a claim

His insurance went up....

I suppose it's different for an accident, as if you don't report it and the third party does then you are likely to be found out...

been saving for a bit, but that's all gone now. It's all very well owning one, but insuring it on the other hand

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"We never have any near misses, we hit them every time!"

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