Insurance Claim

Did you happen to get a photo yourself of the Alledged Damage.

Taking a photo of someone's insurance disc is meaningless, this person will not be able to get any of your details under GDPR rules, however ( I'm not an expert) I would consider notifying the incident to your insurance company, if only to have it recorded/ Documented.

This person doesn't appeared to have taken additional photos of the Alledged Damage, if they did, it can't be much and if they persued this matter, I can't see it going anywhere.

It's a civil matter so. I can't see Gardai getting involved so I don't believe you have anything to be concerned about.

If every driver in the country was to persue these types of incidents the court system would collapse.

This is my own opinion , perhaps others have similar experiences might respond and advise accordingly.

All very good points, again I'm not an expert, my only concern for the OP is this other driver, for example exaggerating a claim, or for example hypothetically, they have another incident separately in say a months time and throw this into the mix.

I guess the crux for OP is how they document the time, place and date of this incident without informing anyone. I do understand your concerns re advising insurance company, I'm just concerned the OP needs somehow to document the incident, just in case. Again IMO 😏

Unfortunately it's not very easy to get access to cctv and normally has to be requested formally, even by Gardai.

Also, there are guidelines as to how long footage can be stored, so this to is a slight concern.

I'm stumped honestly but feel some record of the incident needs to be documented somehow for the reasons you and I have outlined.

I honestly tend to agree , I see no down side to OP reporting this to their insurers, it will only help dispell any lingering doubts later if the other driver attempts a spurious claim.

The actions of the other driver, taking silly photographs of the OP 's disc speaks volumes, if the alledged damage was so shocking, they had the option of calling the gardai to the scene, instead they drove off like the petulant upstart they appear to be.

It's a sad fact but there are chancers out there and all too often genuine people caught out because they've not documented or recorded facts fully at or near the time of the incident.

You seem to think it is perfectly OK for you to open your door against the other car. It's not and as soon as you did you left yourself open to the person in the other car making a claim. Unless you have photographs showing the exact point of contact not having any damage I can see the other person making a successful claim. That doesn't mean they are right but you have very little to defend yourself with here.

If there was noone in the other car and they were parked so close that you couldn't get in without hitting their door with yours then you might have an excuse but you could easily have knocked on the window and asked them to move a bit.

It doesn't matter how close someone else parks to you, it's not perfectly fine to hit their car with your door if it can be avoided and in this case you could have just asked them to move if they were too close. I don't like the idea of someone making a claim over nothing but you accept you hit their door and if they claim off your insurance and you can't show there was no damage there is a good change your insurance will pay out.

Unfortunately I don't this is not the wrong advice as this is what I would and advise anyone else to do if they didn't damage a 3rd party car. I dealt with insurance claims with a previous role I had.

If you tell the insurer and a claim is made there is more of a chance of a pay out being made as you made the insurer aware and the may take the easy route.

If someone makes a claim against you, your insurance company will contact you to confirm a validate the claim made against by the 3rd party's such as being at a particular place / time etc.

If that is the case I could go around taking insurance details off any car in a car park and make a claims from any car I like and .

From actual experience, No, the insurer will NOT automatically contact you in advance of paying out a claim.

This happened to me and I was sitting for 5+ weeks for someone from my insurer to assess the damage to my vehicle and lo & behold before that even happened I found the other party's car had been repaired and was back on the road, all attributed to me, and I didn't receive a single call, email or letter on the subject.

Isn't there a risk that, if you notify your insurance of a trivial incident like the one the OP has described, that they will place a 'claim pending' flag on your policy and jack up the premium on your next renewal? And leave you in limbo until the statute of limitations cuts in and rules out a claim?