You’re at a traffic light. Some guy rear-ends you. It is not your fault. There’s dashcam footage, witnesses, the whole thing. But then you panic, call your insurer, say “I got into an accident,” and claim through your own policy without knowing the correct process. Six years of No Claim Discount, gone. Your next renewal … Continue reading I Got Hit By A Reckless Driver & It Wasn’t My Fault. Here’s How To Claim HIS Insurance & Not Waste Your NCD