LilliP
New Member
I had an accident in December and was convicted of drink driving. There was minor damage to both cars. The police arrived on the scene later in the aftermath and I wasn't sure if the other driver was aware of the possibility I was over the limit.I attempted to contact the other driver on several occasions to see if we could come to an agreement without use of insurance companies as I read the small print on my insurance documents and saw that they would not cover if alcohol involved. I heard nothing , repaired my own car and did not inform my insurance company. However yesterday I Received a letter from the other persons insurance company asking for my insurance details.
My questions are: do I have to now inform my insurance company who will more than likely ask for full reimbursement for the claim and legal costs? or is there any other way of dealing with this? can I ask to sort something without informing my insurance company that may cost less money? Anyone who could guide me through the mess I have gotten myself in to ?? I am worried sick and realise I should have informed my insurance company at the time. Apologies if something similar has already been discussed , I couldn't find anything in a search.
My questions are: do I have to now inform my insurance company who will more than likely ask for full reimbursement for the claim and legal costs? or is there any other way of dealing with this? can I ask to sort something without informing my insurance company that may cost less money? Anyone who could guide me through the mess I have gotten myself in to ?? I am worried sick and realise I should have informed my insurance company at the time. Apologies if something similar has already been discussed , I couldn't find anything in a search.