How do car insurance claims work? Should I make the claim on the accident below?
A week or so ago some one scraped the wing and bumper of my car and admitted fault. We agreed that I would get a couple of quotes to see whether to settle privately or go through insurance. I therefore haven't contacted my insurance company yet, although she has contacted hers in case she needs to make a claim.
I have today crashed into the back of a 4×4 and completely wrecked the bumper and number plate as well as damaged the bonnet.
My question is, should I report today's accident and make the claim on my insurance, or should I just report last week's accident and let the claim go under the other person's insurance who scraped my car? Will this affect her in any way? Will her insurance company dispute the claim as there is much more damage than you would expect with a scrape.
If I report today's accident, will my policy be liable for the full cost or can I attribute some to last week's accident?
Not sure what to do.
Update:
Thanks for the answers so far. Both sets of damage were to the front of the car. The original incident left damage to the bumper and the drivers side front wing. The second incident left damage to the bumper, number plate and bonnet.
As above - you cant claim the other persons insurance for damage caused by yourself today. If you run in to the back of another car, its your fault - end of story.
Trying to claim is fraudulent and you will get caught.
Meet Ginger Crevice in this part of jackass……Part 2
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New York personal injury lawyer Anthony Gair discusses the Amadou Diallo Criminal Prosecution, February 2008