I am genuinely with you. You are conversing with an individual who pursued a person relentlessly for £30 worth of damage to a fence post on my driveway, which ultimately incurred a cost of £95. This endeavour required nearly a year of follow-up, all due to their lack of courtesy in failing to knock on the door and apologise for damaging the post. I would have responded with, "No worries, it happens frequently."
I only took that action since no other car was involved, and my method prevents any linkage of the claim to a driver, therefore avoiding any rise in premiums.
If I had to file a claim with my car insurance, the situation would have been markedly different. Although these companies assure that it will not impact my no-claims status or raise my premiums, I am still obligated to disclose it upon renewal, and they will inevitably find a way to disadvantage me.
I believe the penalty for evading a road traffic collision is likely excessive, given individuals may claim they were unaware of the incident.
That was the sole message I intended to convey. We are in a predicament regardless of the circumstances.