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Happy I have cheap car insurance with no deposit

So Embarrassed! Bumped My Car 🙁

I am so embarrassed! I bumped someone with my car today. I’ve never done it before! I was at a junction and my car stalled, so I panicked. Next thing I know, I’ve rolled it forward too quickly and rear-ended the person in front. I was going from stop, so there wasn’t that much damage done but still – I can’t believe I was so stupid!

There was a bit of a dent and a couple of scratches on theirs, so I pulled over and gave them all my details. In all the worry, I had completely forgotten my insurance details, so I gave them mine and told them I’d check it all later. So not only did I hit their car, I also couldn’t even provide them full information.

They were really nice about it, which surprised me – I guess they could tell it was an accident? Anyway, then I had to go and find the details of my policy. It’s been ages since I bought it, and all I could remember was that it was very cheap car insurance no deposit. Couldn’t remember the deductible, or what it covered, anything like that. I managed to find the contract and things in my folder eventually, and had a quick look through it all – I’m going to have to pay a deductible out of pocket but then they’ll cover the rest, which is a relief. It’s less than I was expecting too, so I guess that’s one good thing?

I’m just worried now that it’ll bump up my fees next time I renew – I’m usually really careful and I’ve never been in an accident before, and I can’t believe I did something so silly. I just get really stressed about holding up traffic, so I probably need to work on that.

On the plus side, at least I had a decent insurance plan – my friend got into a scrape last year and had an absolute nightmare trying to get it all sorted because their insurance was really awkward. And they’d paid a deposit too, so I don’t even know why! It’s going to be a while before it’s all sorted out properly, but at least the person I bumped was nice and understanding, so that should make the whole thing easier. If you’re in the market for some good no deposit car insurance I recommend, or to find who has the cheapest auto insurance.