I was filtering through traffic and whilst doing 10mph a pedestrian stepped in front of me from behind a lorry. I had just time to avoid full impact but caught his elbow. He didn't sustain any injury at all, but my bike's indicator and brake lever broke. I felt with my bike.
The guy wasn't recognising his fault (no pedestrian crossing or traffic lights) so I called the police in order to get a report of the incident. I asked the policeman if I needed to tell my insurer but he said it was up to me, but not necessary as there was no injury and I would not likely get any money to repair my bike.
After the police left, with statements from both of us, the pedestrian and myself came to a pact. He paid me £35 in cash, and gave me a receipt to cover for the indicator and the brake lever. In the receipt he states "Paid £35 for damages to motorcycle. This is the full and final settlement".
I have now a incident report form from the police The accident happened nearly 2 months ago, and have not heard anymore from the pedestrian.
my question is:
should I tell my insurer? And, would my insurance go up?
The guy wasn't recognising his fault (no pedestrian crossing or traffic lights) so I called the police in order to get a report of the incident. I asked the policeman if I needed to tell my insurer but he said it was up to me, but not necessary as there was no injury and I would not likely get any money to repair my bike.
After the police left, with statements from both of us, the pedestrian and myself came to a pact. He paid me £35 in cash, and gave me a receipt to cover for the indicator and the brake lever. In the receipt he states "Paid £35 for damages to motorcycle. This is the full and final settlement".
I have now a incident report form from the police The accident happened nearly 2 months ago, and have not heard anymore from the pedestrian.
my question is:
should I tell my insurer? And, would my insurance go up?