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#Post#: 108717--------------------------------------------------
accident reported to insurance and not police now court summons
DIR By: its me
Date: February 4, 2026, 11:49 am
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Hi all,
so at the start of April I reversed into a parked car. I rent a
cottage on a country estate and it's a mile to house within the
estate.
I reported the accident to my insurance as didn't have a pen and
paper in the car so went home to get some and came back and car
had gone. there were no witnesses at the time to report the
accident to either hence reported it to my insurance.
insurance company never got a claim back till December stating
what damage had occurred.
iv now been summoned to court for failing to report a accident
(granted I genuinely didn't realise unless someone was injured
it had to go to the police) , driving without due car And
attention and failure to stop after accident.
iv had a clean license for over 20 years. I hold my hands up to
hitting the car hence why I went through insurance. when the
police sent a form asking if there had been a accident I said
there had but no damage reported and in hands of insurance
company which was the case as nothing was claimed for 4 months.
what is the likely outcome of my pending court case as I say no
points or speeding offences clean license. I admit I hit the car
and didn't report it to the police but was reported to
insurance.
​​​​​​​a witness
supposedly did witness it but never got out her car and the car
park was dark at the time.
as I say I hold my hands up am guilty hit the car and was with
the insurance company. which the insurance company has now
settled the claim with there car repaired.
#Post#: 108722--------------------------------------------------
Re: accident reported to insurance and not police now court
summons
DIR By: FuzzyDuck
Date: February 4, 2026, 11:56 am
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The police don't have be notified if it a non-injury accident
AND details are exchanged at the scene. It seems the latter
didn't happen. Usually the police will not prosecute if
insurance companies are engaged, so this seems unusual.
#Post#: 108728--------------------------------------------------
Re: accident reported to insurance and not police now court
summons
DIR By: its me
Date: February 4, 2026, 12:13 pm
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I hold my hands up details were not exchanged as no one was
around. by the time I replied with a note car had left the car
park. It was reported to my insurance company and claim has been
settled as of this week.
police sent out a S.172 form to which I wrote on it that
reported to insurance company and no claim made as there was no
damage to my car and the claimant hadn't put a claim in at that
stage for damage. my insurance company even said they belief
they are just following formalities, 4 months later they make
there claim.
never had points but sadly this seems like it will be happening
if not worst case I get a ban even though I admitted liability
with insurance.
I also can't contact the police to notify them that a claim has
been settled.
#Post#: 108730--------------------------------------------------
Re: accident reported to insurance and not police now court
summons
DIR By: andy_foster
Date: February 4, 2026, 12:27 pm
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If you fail to provide your details at the scene, the obligation
is to report it to the police within 24 hours (as as soon as
reasonably practicable). The idea is that the victim is able to
obtain the details of the person he might want to claim against
without having to play detective.
Anything that happened after the offence of failing to stop or
report was committed has no bearing on the commission of the
offence. Neither does what may happen in many other cases.
#Post#: 109033--------------------------------------------------
Re: accident reported to insurance and not police now court
summons
DIR By: roythebus
Date: February 7, 2026, 3:08 pm
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Does all this apply to what is presumably a private road on a
private estate?
Also in certain police areas damage only accidents an be
reported within 24 hours on a website as there's hardly any
police stations left!
#Post#: 109051--------------------------------------------------
Re: accident reported to insurance and not police now court
summons
DIR By: 666
Date: February 8, 2026, 1:37 am
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--- Quote from: roythebus link ---
>
> Does all this apply to what is presumably a private road on a
private estate?
>
> Also in certain police areas damage only accidents an be
reported within 24 hours on a website as there's hardly any
police stations left!
>
--- End Quote ---
It applies on "a road". which is defined in the Act as "any
highway and any other road to which the public has access".
#Post#: 109057--------------------------------------------------
Re: accident reported to insurance and not police now court
summons
DIR By: Southpaw82
Date: February 8, 2026, 2:56 am
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The duty to stop and report applies to accidents on a road or
other public place.
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