Originally Posted by
OilSheikh
-Never tell the insurance company that you were returning from work ( if you said that you only use the car for S & D ). They will straightaway invalidate your insurance and will not cover you for accident. Always lie to say that you were coming back from shopping at your local supermarket. Obviously, if you keep on having accidents during rush hour, you cannot keep up this lie.
-Are you sure there's no damage to the bumper? No scruff marks ? No cracks? Examine with a torch or in daylight.
-Driver doesn't have to give you his name or address. Take down his car reg, Mobile no, take photos and his License no. I once gave my name and address when I got hit from behind, on the advice of a 999 operator. The @!£$% came to my house and scratched my car at night.
-If the guy has offered to pay for any damage, go this route. If he gave a dodgy phone no, then you have to resort to your insurance company.
- Don't tell your insurance company if you manage to sort it amongst yourselves.They will make a note on the commonly held insurer's database and next year, you will find that you cannot get cheap rates anywhere. But, do report it online on your local Police force's website, just to protect yourself.
-Keep this in mind... If the other party didn't have a dashcam in their car, then what proof is there that there was ever an accident ?
The world is not black and white.. follow the book and you will be the one suffering.