Thread: Two cars collide when both reversing

Hi

My wife was reversing out of a car park space at the same time as another car at 90 degrees to her, they collided, damage to other persons passenger door, slight scratching to my wifes car. Does she have to inform insurance company? Seems to me as though it is 50 / 50 blame as neither driver saw the other. Any thoughts?

Thanks

This is almost certainly a case of 50/50.

It is a requirement of your policy that you inform your insurers of all accidents, (and it's a good idea to do so because a few months down the line if the other person goes to one of those 'had an accident' type solicitors and then claims for injuries then unless you notified your insurers they won't deal with it and you are left facing a huge bill).

Best course of action is to notify your insurers, if you are 100% (no make that 1000%) certain the other party is totally honest and won't ever suddenly decide to claim that you were moving and they were stationary, or that they suddenly have injuries, then you can mark your claim form FOR RECORD PURPOSES ONLY, this means that you are complying with your policy terms and conditions by notifying them of the incident but you will deal with the matter yourself, alternatively if you are not happy to do that then fill in a claim form and include a letter informing your insurers that you want to know the total amount they pay out in relation to this because you may reimburse them of this amount to protect your no claims discount.

I've dealt with hundreds of these type of accidents where I know full well both parties were reversing and it should be a 50/50, but it's amazing how many times the other party then decide to claim they were stationary or that they did suffer whiplash or other type of injury.

Mossy