On my way home from work this afternoon and a car turned right across the front of me . The driver has hit my front offside corner bending the wing smashing all the lights and the bumper/spoiler, there’s also a great big gouge across the alloy wheel.
Both myself and my passenger are unharmed and feel ok if a little shook up. The other driver is a garage owner who was driving a customers car at the time (has a mate who does bodywork) and wishes to sort things outside insurance. At the moment I’m prepared to go along with this as any insurance involvement will load my premiums for the next 5+ years even though it wasn’t my fault.
I know I should report an accident to the police to at least get an incident number, my question is are the police obliged to inform my insurer of the accident? If they are I might as well go down the insurance route anyway.
Anyone know about this stuff?