I was at the front of a three car pileup, but there was no damage to my car - should I tell my insurer?

I was in stationary traffic when a car drove into the stationary van behind me. There was a lot damage between the car and the van. Although the front of the van tapped my car lightly, there was no damage to my car or the front of the van. I stayed for the police to arrive because it felt wrong to leave the scene and the police took my details. Should I tell my insurer - even though there was no damage (no marks even) to my vehicle or the front of the van?

Asked on 24 December 2017 by Helen Stack

Answered by Tim Kelly
It is up to you whether you claim or not, or contact your insurer. If there is no damage to either vehicle, and you have no intention of claiming, then there is no need to contact your insurer. Check your car carefully for damage. The only time there is a contractual obligation to contact your insurer is when there is the potential for a third party to claim off you for damages you have caused. In that situation, you must contact your insurer.
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