After an accident is there a certain amount of time you have to claim on the insurance??

A mate at work has had a wee accident and the guy only took her address and hasnt been in touch yet his car is full of dents (he is a delivery driver!) so shes not sure he will do anythin but im sure you only have 3 days after an accident to claim.

that doesnt sound right to me.
personally, id give my insurance company all the details i got and let them sort it out.

It might not be worth putting it through the insurance she was coming slow out of a junction so there isnt much damage, the accident happened on Fri and she hasnt heard anything when I put a claim in im sure i was told it needed to be done in 3 days after the accident i dont know though!

she didnt take his details it was her fault but she knows the chinese place he delivers for!

think she'd be best just phoning her insurance to find out

If its her fault... Forget about it

hmm...i think insurance companies like to know of any accidents you've been in during the last x no. of years regardless of fault or whether or not a claim is/was made. i would have thought that declaring it would come as part of the relevant information for the policy and they may non-declaration as a way out of any future claims.

As I said it may not be worth putting through the insurance if the damage was only for £50 say then its not worth putting a claim in and bumping up your insurance for next year and losing no claims!!

[quote="Lee-Anne"]As I said it may not be worth putting through the insurance if the damage was only for £50 say then its not worth putting a claim in and bumping up your insurance for next year and losing no claims!![/quote]

Agreed!

i agree with that, but you still have to inform your insurance company of the accident, even if you aren't claiming

Im not sure if you do if you arent claiming on the insurance or maybe you should but I doubt if anyone would!!

[quote="Lee-Anne"]Im not sure if you do if you arent claiming on the insurance or maybe you should but I doubt if anyone would!![/quote]

Insurance companies want all accident records regardless of whether a claim was made or not... Any sane person only give details of accidents where there was an insurance claim...

The more accidents you list regardless of faults/claim or no claim is an excuse for the company to nudge your insurance up... Thats why they ask you for it... Makes you seem more dangerous...

It's a fairly common practise here in South Africa to settle minor collisions amicably and by cash and without involving the police and the insurance companies. Specially if the damage is likely to cost less than the excess. Also, if you go to a panel beater with cash in hand, it tends to cost half as much as when you do it through the insurance ...

[quote="DuFFMaN"][quote="Lee-Anne"]Im not sure if you do if you arent claiming on the insurance or maybe you should but I doubt if anyone would!![/quote]

Insurance companies want all accident records regardless of whether a claim was made or not... Any sane person only give details of accidents where there was an insurance claim...

The more accidents you list regardless of faults/claim or no claim is an excuse for the company to nudge your insurance up... Thats why they ask you for it... Makes you seem more dangerous... [/quote]

i had an accident shortly after passin my test, which was the other parties fault, and its never altered my premiums even tho ive had to declare it since then. problem arises if you dont declare it and they see it as relevant or witheld information

I was involved in an accident it wasnt my fault though but it still has put my insurance up about £20 which is not right the accident was not my fault!!

Moo53 : Its only some insurance companies..

Lee-Anne: It apparently makes you more "prone" to car accidents... :confused: