More of a "what if" really.
If I was involved in a prang & my dashcam proved beyond a shadow of a doubt that I wasn't in any way to blame, would I need to declare this to my insurance?
Could I simply deal directly with the other driver's insurer?
I ask because the last time I was involved in a prang, the other driver was completely at fault & his insurance paid for everything.
All my insurance did was ? I don't really know.
But still, when it came to renewal, I had to declare a claim which then increased my premiums.
This, to me, means that my insurance were getting paid many times over.
By taking out insurance, I am paying them to act on my behalf.
Because the other driver was at fault, his insurance paid for all repairs etc - so I assume they would also pay for any/all costs incurred by my insurance.
And at renewal time, I'm expected to pay out extra premiums for this 'claim'.
If it was my fault then I would expect some sort of increase.
If I was involved in a prang & my dashcam proved beyond a shadow of a doubt that I wasn't in any way to blame, would I need to declare this to my insurance?
Could I simply deal directly with the other driver's insurer?
I ask because the last time I was involved in a prang, the other driver was completely at fault & his insurance paid for everything.
All my insurance did was ? I don't really know.
But still, when it came to renewal, I had to declare a claim which then increased my premiums.
This, to me, means that my insurance were getting paid many times over.
By taking out insurance, I am paying them to act on my behalf.
Because the other driver was at fault, his insurance paid for all repairs etc - so I assume they would also pay for any/all costs incurred by my insurance.
And at renewal time, I'm expected to pay out extra premiums for this 'claim'.
If it was my fault then I would expect some sort of increase.