Dear Mary…
Q. I was driving my wife and children to the Warwickshire countryside. My mother followed us in her car. At a slanted T-junction, I stopped to allow some far-off traffic to pass. My mother, thinking, perhaps, that I was still driving like the boy racer of my youth, accelerated straight into the back of my Mercedes. The result: damaged bumper, knackered tow-bar, car in need of repair. Do I: a) claim on her insurance – with all the associated form-filling and grief? b) Claim on my comprehensive insurance and risk a premium rise next year? c) Get the car repaired and send her the bill? Please help.
M.F., Nethercote, Warwickshire
A. The insurers will consider it the fault of the driver whose car has done the crashing into. Between yourself and your mother, however, it is a moral grey area, since you both know that her driving style was reflective of your own former recklessness.
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