How JustAnswer Works:

  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.

Ask Jo C. Your Own Question

Jo C.
Jo C., Barrister
Category: Traffic Law
Satisfied Customers: 3043
Experience:  Over 5 years in practice.
12826847
Type Your Traffic Law Question Here...
Jo C. is online now

I met with a minor car accident yesterday evening, I was

Customer Question

Hi There,
I met with a minor car accident yesterday evening, I was waiting to make a turn near traffic junction but car from behind came and knocked my bumper which resulted in a small paint chip and slight bump in the bumper. He agreed it is his fault and continuously apologized and was trying to go away suspiciously. I took his name and phone number just in case but forgot to take the photos. I have decided not to make claim as damage is minor and also came to know that my renewal premium might go up as well even though it is no-fault claim so not ready to take that risk for a minor repair. I just called my insurer today morning and only notified the incident and told them not to make a claim.
I read a couple of horror stories on online forum that people making fraudulent claims in these type of scenario where initially they said sorry and went off and after a few months made fraudulent claims.
(http://forums.moneysavingexpert.com/showthread.php?t=2418893).
So just wanted to make sure it doesn't happens with me, Is there anything I need to do legally to safeguard myself for future fraudulent claims if any? Also came to know that he has not taxed his car from 1st Aug 2016 and his MOT runs out next week (checked via DLVA website), I am not sure was this the reason of his suspicious look or anything else. My Insurer suggested to speak to Police about this(untaxed car) and when I spoke to them, they said it is not required to report to them as there is no damage to anyone or anything but told me to inform my insurer that he doesn't make any future fraudulent claims.
So all I am interested is,
1. How to make sure no one can make any fraudulent claims in future?
2. Any extra steps I need to take other than notifying my insurer?
3. In case if I do decide to make a claim, then will my renewal insurance goes up if the claim is settled?
4. Who will be better to process my claims? - my insurer directly or a third party claims management company? - I just want to make sure my no claims bonus doesnt affect.
Any help appreciated.
Thanks,
K
Submitted: 2 months ago.
Category: Traffic Law
Expert:  Jamie-Law replied 2 months ago.

Hello my name is ***** ***** I will help you with this.

Have you notified your insurers yet please?

What Customers are Saying:

 
 
 
  • Thank you so much for your help. Your answers were really useful and came back so quickly. Great! Maggie
< Previous | Next >
  • Thank you so much for your help. Your answers were really useful and came back so quickly. Great! Maggie
  • A quick response, a succinct and helpful answer in simple English. I believe I can now confront the counter party with confidence -- worth the 30 bucks! Rick
  • Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help. Mary C.
  • This expert is wonderful. They truly know what they are talking about, and they actually care about you. They really helped put my nerves at ease. Thank you so much!!!! Alex
  • Thank you for all your help. It is nice to know that this service is here for people like myself, who need answers fast and are not sure who to consult. GP
  • I couldn't be more satisfied! This is the site I will always come to when I need a second opinion. Justin
  • Just let me say that this encounter has been entirely professional and most helpful. I liked that I could ask additional questions and get answered in a very short turn around. Esther
 
 
 

Meet The Experts:

 
 
 
  • Jo C.

    Jo C.

    Barrister

    Satisfied Customers:

    3043
    Over 5 years in practice.
< Last | Next >
  • http://ww2.justanswer.com/uploads/EM/emus/2015-7-7_192327_bigstockportraitofconfidentfemale.64x64.jpg Jo C.'s Avatar

    Jo C.

    Barrister

    Satisfied Customers:

    3043
    Over 5 years in practice.
  • http://ww2.justanswer.com/uploads/JO/jojobi/2013-3-19_0265_maxlowryphoto.64x64.jpg Max Lowry's Avatar

    Max Lowry

    Solicitor

    Satisfied Customers:

    6
    LLB, 10 years post qualification experience
  • http://ww2.justanswer.com/uploads/KA/Kasare/kasare.64x64.jpg Kasare's Avatar

    Kasare

    Solicitor

    Satisfied Customers:

    1
    Solicitor, 10 yrs plus experience in civil litigation, employment and family law.
  • http://ww2.justanswer.com/uploads/OS/osh/2015-7-7_19268_gettyimagesb.64x64.jpg Joshua's Avatar

    Joshua

    Lawyer

    Satisfied Customers:

    130
    LL.B (Hons), Higher Prof. Dip. Law & Practice
  • http://ww2.justanswer.com/uploads/LI/li/2014-12-19_134845_lexughes.64x64.jpg Alice H's Avatar

    Alice H

    Solicitor/Partner

    Satisfied Customers:

    80
    Partner in national law firm
  • /img/opt/shirt.png LondonlawyerJ's Avatar

    LondonlawyerJ

    Advocate

    Satisfied Customers:

    12
    I am a solicitor with particular expertise in road traffic law.