Quote:
| Originally Posted by Sharpy G so as there is no damage to our car, how does that affect us ?
cheers |
unless the other bloke can prove it was 100% your fault (which sounds pretty unlikely), his insurance is almost certainly going to have to pay for his repairs, and his no claims will be affected (ignoring any protected no claims or similar).
If you do not claim from your insurance ,because there is no damage to your car ,there should be no cost to your insurer.
BUT... if the other bloke formally claims against you, the claim could still be held on the Insurance database and there is an argument that you would need to disclose it in future insurance applications. Just because there was no cost to YOUR insurer does not mean it was a nil cost incident, and it is doubtful whether you could call it a "100% Recovery" incident
Its a total pain in the @r5e, but I would be tempted to use the legal cover which, hopefully, you have with your policy to let the bloke's insurance know that you will strenuously deny any responsibility. If the other insurance company know:
a/ They are going to have to pay for his repairs anyway
b/ If they insist on a claim, its going to be refuted and may involve additional cost to them
They may suggest to their client that he's on a loser and he'd be best to drop the claim against you.
The fact you had witnesses in the car can't do any harm, but they will obviously not be viewed as being entirely neutral .
If you can get the bloke to drop the claim without going through the legal route, great. Otherwise I'd do the necessary admin to ensure you don't get an undeserved blot on your insurance record.
02-Oct-2006, 15:21 
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