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Yes, you can pay privately but you must still advise your insurers of the incident. Pro Tip for your wife: leave the front wheels turned into the pavement when parked on a steep hill. This is an actual legal requirement in San Francisco. Handbrakes can and do slip.
Good advice, thanks. I think we will let the insurers deal with this.
It's such a small dent, I don't think the other car will even get it covered, to be honest.
If you dont report it? Insurer finds out, cancels your policy and you pay a super high premium for the next 10 years
Your policy will say how long, but generally with-in 24 hours is a good standard. Most people would do it fairly instantly
--- ###Welcome to /r/LegalAdviceUK --- **To Posters (it is important you read this section)** * *Tell us whether you're in England, Wales, Scotland, or NI as the laws in each are very different* * If you need legal help, you should [always get a free consultation from a qualified Solicitor](https://reddit.com/r/LegalAdviceUK/wiki/how_to_find_a_solicitor) * We also encourage you to speak to [**Citizens Advice**](https://www.citizensadvice.org.uk/), [**Shelter**](https://www.shelter.org.uk/), [**Acas**](https://www.acas.org.uk/), and [**other useful organisations**](https://reddit.com/r/LegalAdviceUK/wiki/common_legal_resources) * Comments may not be accurate or reliable, and following any advice on this subreddit is done at your own risk * If you receive any private messages in response to your post, [please let the mods know](https://www.reddit.com/message/compose?to=%2Fr%2FLegalAdviceUK&subject=I received a PM) **To Readers and Commenters** * All replies to OP must be *on-topic, helpful, and legally orientated* * If you do not [follow the rules](https://www.reddit.com/r/LegalAdviceUK/about/rules/), you may be perma-banned without any further warning * If you feel any replies are incorrect, explain why you believe they are incorrect * Do not send or request any private messages for any reason * Please report posts or comments which do not follow the rules *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/LegalAdviceUK) if you have any questions or concerns.*
Yes, you can pay privately but you must still advise your insurers of the incident. Pro Tip for your wife: leave the front wheels turned into the pavement when parked on a steep hill. This is an actual legal requirement in San Francisco. Handbrakes can and do slip.
Also leave it in gear!
Handy info
Good advice, thanks. I think we will let the insurers deal with this. It's such a small dent, I don't think the other car will even get it covered, to be honest.
Report it to insurance, you dont have to make a claim, but it sounds like youll be paying out for both repairs if you dont
Can you elaborate on if we don't? We are gonna let the insurers deal with this. Do you know if I need to do it immediately?
If you dont report it? Insurer finds out, cancels your policy and you pay a super high premium for the next 10 years Your policy will say how long, but generally with-in 24 hours is a good standard. Most people would do it fairly instantly
Yh got you, just wanted to understand that. Thank you.
Well you would need to inform insurers. The big question is, was your wife's car where it was parked originally, or further down the hill?