So this morning I was going out to the car to head into work, was up at my student house so had parked on the narrow streets, with a corner behind me. I moved the car forward to turn out, but didnt have enough room to turn straight out due to car infront, so went to reverse back but seen a van coming round so stopped to wait.
Next thing I know the van is going round the corner, scraped the whole way down the drivers side nose of my car. Clearly not realising he didn't have enough space to get round.
So after he scraped his entire van down the side of my car he got out and started saying I had pulled out
I was clearly stopped and couldnt of been pulling out because the car in front was blocking me, hence why I was getting ready to reverse. I know my nose was out a bit but if it was blocking him he shouldnt of tried to get past!
We exchanged details and he said he had to claim even though he barely had any damage because it was a work van, although he only took my name and address?? So maybe he isn't really.
My dilema is, should I ring up and tell the insurance company does this mean I've made a claim and lose my no claims?
Or if it does turn out his insurance pays for his and my insurance for me, does that still count as a claim? or if it does go that way can I say I'll pay for the damage myself and I can cancel the claim and leave my no claims intact?
I can see it going 50 50 as it's his word against mine and no witness etc. And I dont want to have a claim put in for damage that will cost less than my volentery excess to correct.
What do you guys think?
Next thing I know the van is going round the corner, scraped the whole way down the drivers side nose of my car. Clearly not realising he didn't have enough space to get round.
So after he scraped his entire van down the side of my car he got out and started saying I had pulled out
I was clearly stopped and couldnt of been pulling out because the car in front was blocking me, hence why I was getting ready to reverse. I know my nose was out a bit but if it was blocking him he shouldnt of tried to get past!
We exchanged details and he said he had to claim even though he barely had any damage because it was a work van, although he only took my name and address?? So maybe he isn't really.
My dilema is, should I ring up and tell the insurance company does this mean I've made a claim and lose my no claims?
Or if it does turn out his insurance pays for his and my insurance for me, does that still count as a claim? or if it does go that way can I say I'll pay for the damage myself and I can cancel the claim and leave my no claims intact?
I can see it going 50 50 as it's his word against mine and no witness etc. And I dont want to have a claim put in for damage that will cost less than my volentery excess to correct.
What do you guys think?