What do insuters classify as an accident?

[Ratsack]

Tell 'em no and see what happens.

Right up until there is an accident, a claim is made, they check their shared databases, and go "you lied, haha, no insurance, thanks for your cash sucker?" I personally know enough insurance adjusters to know not to lie.

The only person that loses is you. Instead, specifically ask what they mean by "accidents", including at fault, not your fault, or even ones you weren't there. It's best that you dot the I and cross the T, because as I said, the only person that loses is you.

After all, it could be a very nice Lambo Gallardo you run into by mistake. Have you see the price on the bumpers for those things?

Good call, and thanks for your advice. Yeah I was going to ask, but initially when I rang up to get a quote over the phone, I instantly said no. But then later on I was thinking about it and that incident came to mind, so I just thought that I'd shoot everyone a Q on here.

Thanks again.

Ross.