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lowermarshhammer 7:25 Sun Jan 5
To report a shunt or not to report?
That is the question.

Rear ended whilst moving at maybe 2mph at a roundabout this morning. Very low speed collision, slight jolt, no damage, Doris driver admitted her 100% fault and turning on the waterworks, "Recently divorced, parent with Alzheimer's etc...

I cannot be arsed with inventing a whiplash claim even if I have a bit of a sore neck for a few days (it does hurt a bit but then again it always fucking aches a bit) so am now left wondering if I report this if it's going to hit me in the pocket when it comes to renewal time.

Talk to me, car crash experts of WHO...

Replies - Newest Posts First (Show In Chronological Order)

zico 8:45 Mon Jan 6
Re: To report a shunt or not to report?
I guess it depends what the other driver does. I was stationary at traffic lights years ago and a lady went into the back of me. No damage but the waterworks came on (her not me) and I told her not to worry as no-one was hurt etc etc. I informed my IC of what happened and two weeks later I got a letter saying the other party claimed I reversed into them and were claiming. Incredibly the IC had their phone number so I phoned her and she claimed her boyfriend was making her claim. I politely asked her to insist her BF retracted the ridiculous claim, of which she said she would.

A week later the claim had been changed to me "rolling" back into her?!?! My IC was useless and said it was their story against mine. I chose a quiet time of day went and stopped, handbrake off at the same lights (with no-one behind me of course) and didn't roll back. I took photos of the flat road and sent them off with my experiment data!!!

Days later the IC called to say the claim had been retracted. I asked what sort of action would be taken against them and "nothing, was the reply, better have them insured than not!"

So no idea if I was better off mentioning it in the first place and can't quite remember if it cost me a bit more the next year but in my mind anyway at least I put my true story forward before their bollocks hit the letter box of my Insurance Company who I promptly changed at the end of the year!!!

GreenStreetPlayer 1:58 Mon Jan 6
Re: To report a shunt or not to report?
If they raise fees in case there is a claim further down the line at some point, but there isn't one, justice would return that money if hadn't been needed.
It's a total rip off and surprised the insurance companies have not been challenged successfully on this.

Mad Dog 1:25 Mon Jan 6
Re: To report a shunt or not to report?
Lowermarsh. Insurance companies love the no claim accidents. It costs them nothing and they get to add to your insurance.

The only reason they want you to report even the minor ones is so they can up their fees.

Cunts the lot of them

, 1:01 Mon Jan 6
Re: To report a shunt or not to report?
Why would a driver report to their insurance company an incident that causes no damage to the vehicles concerned and hence repairs are not required?

gank 12:47 Mon Jan 6
Re: To report a shunt or not to report?
Lowermarshhammer if you want to be a grass for a quick fiver then just do it you cunt, don't seek validation on here as we don't even know you.

GreenStreetPlayer 12:20 Mon Jan 6
Re: To report a shunt or not to report?
Our experience is your insurance will cost extra for years even though it wasn't your fault, even though the other party may never say anything.
The insurance company will claim that in case something needs paying later on, they will take it off you now.
In hindsight, with no visible damage and such a slow speed, we would never have told our company somebody hit us.
Bloody liberty insurance companies.

davese16 12:00 Mon Jan 6
Re: To report a shunt or not to report?
a few years back i was stationary in a car engine off a car transporter reversed into me crushing the car, his fault i got paid out, it goes down as an incident.

read these links, my advice avoid getting insurance involved.

https://www.thisismoney.co.uk/money/cars/article-3052191/How-drivers-insurance-costs-soar-no-fault-accidents-don-t-claim.html

https://www.theguardian.com/money/2014/apr/16/no-fault-claims-car-insurance-aa

Vexed 11:54 Sun Jan 5
Re: To report a shunt or not to report?
Joe C 11:51 Sun Jan 5

Ag!

Joe C 11:51 Sun Jan 5
Re: To report a shunt or not to report?
Read your first post, then read your response to Andy and would suggest you claim for damage to your vagina

Full Claret Jacket 10:56 Sun Jan 5
Re: To report a shunt or not to report?
Unless there is damage or you are actually injured then don't report it.
As others have said your premiums go up regardless of fault as it's all to do with the statistics and how the premiums are calculated.
It's not worth it unless you actually need to claim to get something fixed.

gph 10:48 Sun Jan 5
Re: To report a shunt or not to report?
I didn't report it when a motorcyclist accelerated around two blind bends into the back of my car and took my rear window out.

Despite the fact that Police arrived and breathalysed both of us (both clear).

Bloke reckoned that insurance costs for him would be more than the cash for the repair.

My insurance company never found out, despite the Police being aware.

How are they going to find out about something that only WHO and the other party knows about?

Fortunes Hiding 10:48 Sun Jan 5
Re: To report a shunt or not to report?
Definitely report it.

And I was in the back.

13 Brentford Rd 10:38 Sun Jan 5
Re: To report a shunt or not to report?
DON'T report.
Even a no damage no claim incident will load your policy for the next 5 years as you'll have to declare it every renewal.

Vexed 10:38 Sun Jan 5
Re: To report a shunt or not to report?
Oh have a day off you plank, what the fuck are you going to report?

No your premium won't go up 25% off a no fault accident.

You're fucking shit WHO. Get a grip people.

Hermit Road 10:35 Sun Jan 5
Re: To report a shunt or not to report?
No way would I report that.

This should be filed under ‘None of their business’

joe royal 10:32 Sun Jan 5
Re: To report a shunt or not to report?
A no fault accident puts 25% on your premium.

lowermarshhammer 8:35 Sun Jan 5
Re: To report a shunt or not to report?
Can you read Andy?

I think you probably can...

Just read what I originally posted. Again.

The last thing I want to do is go through the aggravation of doctors and solicitors in making up a claim for a few quid.

As I understand it all parties are supposed to report even minor no damage no claim accidents. Why the fuck would I actually want to.do that if I'm the innocent party and it's going to cost me?

Chigwell 8:29 Sun Jan 5
Re: To report a shunt or not to report?
Nothing to report is there?

joyo 8:29 Sun Jan 5
Re: To report a shunt or not to report?
I wouldn't report it as still accident on your insurance record, no damage no injury ain't worth the hag

andyd12345 8:28 Sun Jan 5
Re: To report a shunt or not to report?
What are you claiming for? A 2noh bump won’t give you whiplash, and wouldn’t cause damage to your car. So your question is whether or not you should make a fraudulent claim, and in turn force everyone else’s premiums up?

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