Very important to have an agreed value policy for a classic car.
Keep your vehicle records/log up to date with pictures and work done.
In February a car pulled out of a parking space right in front of me.
Clearly that driver's fault - witnesses etc.
No one was hurt.
I drove home - 10 minutes.
20 minutes after the accident I got a text message from the driver's insurance admitting it was their fault
and they would handle matters - in fact their insurers Adrian Flux passed the handling claim on to a 3rd party.
No thanks .... I was straight on to MY insurers to sort things out.
All sorted within 1 hour of the accident.
Next day I got a hire car replacement and my car was taken to a well known body and repair shop.
It took them 4 weeks to fix - Brexit slowed parts down from Germany.
In addition to the obvious damage - new front end, bonnet, I got a new headlight, new grille, a new radiator and they realigned the suspension and steering.
My no claims was not affected - my excess was waived.
My car came back better than new!
I have since renewed my policy and it was a few £s less than last time - less miles under Covid
Moral of the story:- Inform your insurers, as you are obliged to do under the terms of your policy.
Let them handle the claim - I got 2 phone calls from their insurers pushing me to let them handle my repairs.
That's what you are paying for when you take out a policy.
I'm with LV
Oh ...
I went out and bought a front and rear dash cam setup (and the same for Mrs Wittsend) fitted by Halfords.
I was lucky - I had witnesses and obvious proof of fault.... next time I'll be better protected.