Had my car written off yesterday after getting sideswiped by a lorry on the M62. The lorry company (Lithuanian) seem willing to pay for my damages without going through insurance. I’m not sure if I should inform my insurance company anyway. Obviously if the lorry company doesn’t stump up the money then I’ll have to claim on the insurance. But if the lorry company do pay, will my insurance company use the knowledge I was in an accident, even if its not my fault, to hike up my next premium? I have a feeling they will. The bastards.