OK so the other week someone put their car into reverse, ignored my horn and reversed straight into me whilst trying to reverse around a corner into a road! CRAZY.
ANyway he has broken my bumper and the garage are saying its a new bumper jobby although doesnt look horrific. Anyway before contacting my insurance company to do the dealing with his insurance company I did a bit of reading online. A lot of people were saying if you have an accident which wasnt your fault and everything is claimed from the other persons insurance it still increases your insurance.
Now im 24 with 5 years no claims and my no claims is protected. However when speaking with Elephant (my insurance company) their reason for increasing your premiums is that if you have a non fault accident you are stitistically more likley to have a fault accident (go figure).
I have done a quotation online with them based on 1 non fault claim and it has put my insurance up £130 for next year and you have to declare it for the next 5 years so its anyones guess how much it will cost in the end.
Now I am left not wanting to claim as it will cost me less to replace the bumper myself. On the other side why should some bad driver who was not paying attention get off scott free whilst im the one forking up the bill.
Anyones experiances / comments are welcome.