We hit a deer but there was minimal damage to our car - should we have told our insurer?

My partner hit a deer at one time, but there was minimal damage (a cracked bumper) and so didn't claim any costs on her insurance. She did however inform her insurance company and they have logged the incident on the motor insurance database. It's not clear whether it was logged as non-fault or at-fault though, and it's proving difficult to get the clarification. Do you know how this would likely have been recorded?

Asked on 6 October 2023 by David Humphreys

Answered by Craig Cheetham
Insurers are legally bound to keep a record of road traffic accidents and by law you should really inform your insurer of any traffic accidents as well. In this case, because she hit a deer and didn't make a claim against her policy it's unlikely to affect your premium in any way but it will probably be logged on their system somewhere.
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