hi had a bump named under my dad, at the minute its unsettled my previous insurers say it was not my fault but the other party or her lawyers/insurancer are not responding to any communication from mine, any way because its un settled it stitting a a claim against that policy, it did not affect my dads no claims as he had 23 years or some thing like that, because i was driving ive taken the knock for it, so its a black mark against my name but none of the insurers have mentioned anything about it. and i'm happy about it , i woulnt want my dad to pay for something that happened when i was incharge of the vehicle. but it depend on your insurers if you take out your own policy next year, i'd assume they would add it against your name and affect your policy accordingly, but if you decide to stay under your parents it will go against them and will affect the golf, as they need to tell the other insurers about the incident under the other car and that policy will be affected also especially if its a fault claim.
but the old git int he rover will probably try and claim whip lash too. i witnessed a similar thing a young guy in a laguna went into the back of a old bird ina escort when she hesitated at t around about ( ir, moved off then chickened out and slammed the anchors on), the mumper cracked, but you could pick up a new one for about £40 and that sit but she is adamant about going throught he insurance, and fora llit being a 5mph crash she is claiming serious injury. same thing with my bros GF, she reversed into a woman parked ina loading bay it popped the bumper out (a ayigo) and cracked the paint on the bumper, she was determined to take it throught he insurance for a respray of the bumper, all of about £150 damage. Nic would have a £400 excess to pay no mater what. We had to convince the woman to go out side of the insurance, she wen to anrnol clark who wanted to replace the whole back end basically at a cost of £700, we told her to goto a body shop then she came back with an invoice for £340, still abit high but nic paid it becaus eit was less than the excess.
you will find that sgenerally the case with old people they want to do every thign through the insurance. My bros mate whos a bus driver hit someone fence when he swerved the bus because of some kids playing chicken, and the old codger came out demanding the companys insurance details, but buses are only covers third pary, and any damages and claims go against the driver. the station had to talk the guy out of going to the insurance, my bro and his mate went back that night and rebuilt the fence, cost all of £60 in wood and paint.
