While parked in a school car park, an individual’s vehicle sustained damage when a child in the adjacent car playfully opened their door, striking the affected vehicle. The child’s mother dismissed the incident as an accident and refused to acknowledge fault, suggesting that the affected driver file an insurance claim instead.
The affected driver, seeking guidance on Mumsnet, received advice from users who unanimously recommended contacting their insurance company and providing the child’s mother’s registration number. Users emphasized that the mother’s refusal to accept responsibility did not absolve her from liability and urged the affected driver to pursue a resolution through insurance channels.
However, the affected driver expressed concerns about potential premium increases despite being faultless in the incident. Users clarified that insurance companies typically pursue claims with the at-fault party’s insurer and highlighted the importance of informing one’s own insurer about the incident, even if a claim is not immediately filed. While acknowledging that non-fault claims can sometimes lead to premium increases, users stressed that the chances were lower if both vehicles were correctly parked, as claimed by the affected driver.
