Nope, I’ve got it forwards. I carry a little card with me that says “always do the opposite of what industry groups and bodies tell you to do” and this attitude works out great for me, most of the time. I’ll just keep doing what I’m doing, it will be interesting to see if the insurers and their mouthpieces and friends can bully the public into complying.

But I mean it doesn't even achieve what you say you want to achieve... think about it:

You call it an accident up front, and then you try to get damages from for example the car manufacturer because you find out the car was faulty... no wait a minute you can't do that because you already declared you think it was an 'accident'.