Will I lose my No Claims Discount? What is next?

Basically today I was in a minor accident. Traffic stopped suddenly causing the car in front of me to break suddenly and hard which made him slightly swerve, which caused me to also slam on the breaks but I still drove into him.

We pulled over, the damage on his end (a rental Jag) was a slight bumper scuff with a

Basically today I was in a minor accident. Traffic stopped suddenly causing the car in front of me to break suddenly and hard which made him slightly swerve, which caused me to also slam on the breaks but I still drove into him.

We pulled over, the damage on his end (a rental Jag) was a slight bumper scuff with a couple of bumper clips broken, it looked very minor. On my end, a bit of my plastic grill snapped off but that was about it.

He took a photo of my insurance certificate and licence as well as the damage then drove off. No numbers exchanged or anything (Which I am frustrated and angered about)

But my concern now is what will happen next? Plus will I lose my no claims discount? This was my first ever "accident" and I am a bit nervous of what is next.

Other answer:

andrew:
……….."But my concern now is what will happen next ? "
You can either ask a psychic what will happen or you can wait to see what happens.

"basically" today, I was in a minor accident………."
Or ……..how about……I was in a minor accident. What's with the "basically" stuff?

"Basically" a word used to try to impress others….(It doesn't work)

Skoda John:
Rental companies will charge for repairs and for loss of rental use while it is being fixed.
Jaguar bodywork is expensive.
You will. Likely lose your no claims discount.
They will go directly to your insurance company.
You better tell them a claim is coming.
Keep a bigger distance he stopped in time you did not.
Jesk:
yes you will loose your no claim bonus, the accident is your fault because you need to leave adequate braking distance to the car ahead,
regerugged:
You should use "brakes" instead of breaks.
Percyqted:
What happens next is you report the accident to your insurance company immediately. The idea is to exchange information. You give him yours, he gives you his. If he failed to do this he has committed an offence but let your insurance company deal with that.
Also report the accident to the police within 24 hours of it happening explaining that the other driver drove away without giving you his name or insurance details. Give what details you can remember about the other vehicle and driver. Make, reg number or part thereof, colour of vehicle and description of driver. Give this information to both the police and your insurance company.
As he was driving a hired vehicle the hire company is bound to pursue a claim against you, not just for the repair of their vehicle (which believe me wont be cheap) but also a daily rental charge for ALL the time the vehicle is off the road awaiting repair.
The loss of any no claims bonus is the last thing you need to worry about, it will be chicken feed compared to the total repair bill for the Jag.
Will you lose it? That depends on the type of insurance cover you have and whether you 'protected' your NCB. One thing is certain and that is your premium WILL increase next year but that may help you to remember to keep more distance between you and the car in front.
Been There, Done That.:
You are at fault, so there WILL be a claim against your carrier. What happens next? You wait to hear from your agent. They will want a statement of facts and your side of the story.

You can expect your rate to go up.

(I assume you've already notified your agent about the accident)

Leave a Reply