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Old 04-27-2006, 05:47 PM   #1
TonyXL
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Join Date: Apr 2006
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Notify my insurance of minor accident?

I was in a small accident yesterday, my fault. Negligable damage to my car, not worth fixing. Other driver said the only damage to their car was the front license plate holder bending/coming off. They said they aren't calling their insurance company, and I can pay them for the new part. They haven't said how much yet.

Assuming the other driver wants under $100 for the repair, should I still call my insurance company to report the incident, even though I'm not making a claim? I don't want to get them involved if I don't need to, and I don't want them to call the other driver or their insurance company (would Progressive do this if I'm not making a claim?), it might mess up our current arrangement. But if they do end up filing a claim, I'm worried about getting in trouble for not reporting the incident.

Thanks in advance,
Tony
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Old 04-27-2006, 05:58 PM   #2
Cliffy
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Location: NE Hampshire, England, UK
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Quote:
Originally Posted by TonyXL
I was in a small accident yesterday, my fault. Negligable damage to my car, not worth fixing. Other driver said the only damage to their car was the front license plate holder bending/coming off. They said they aren't calling their insurance company, and I can pay them for the new part. They haven't said how much yet.

Assuming the other driver wants under $100 for the repair, should I still call my insurance company to report the incident, even though I'm not making a claim? I don't want to get them involved if I don't need to, and I don't want them to call the other driver or their insurance company (would Progressive do this if I'm not making a claim?), it might mess up our current arrangement. But if they do end up filing a claim, I'm worried about getting in trouble for not reporting the incident.

Thanks in advance,
Tony
Simple answer is no, if you're happy to pay for the damage and the other driver agrees not to persue the claim after you've paid, just pay for his damage. I'm assuming the Police didn't attend? regardless, it should be ok, hardly worth losing your no claims bonus (or similar) over!
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