tell the police u had a crash so you have reported it and if he causes any trouble the insurance company will take him to court for your repairs

 

Insurance Company told me that I do not have to tell the police. Should I tell them anyway? What about my theory that he is uninsured and where I stand with that?

 

always tell the police then it is log on there computer so if he is not insured you dont have to give him a penny he shouldnt be on the road that why all how premuims are high because of people like him

 

I don't have any damage on my car...the only damage on my front bumper is from when my wife hit my neighbour's stationary car. She's learning to drive bless her ('kangarooed car' for her 'soiled pants' for me - I was in the front passenger seat at the time). So in terms of getting the damage fixed on my car there is nothing to fix.

 

There is no legal requirement to report the matter to the police however, if you suspect that he is uninsured then a police report will instigate an investigation, during which your suspicions will be confirmed or refuted.
The police may tell you that it is un-necessary to make a report since it was non-injury and little damage, however you must stress that you suspect the other driver of having no insurance. A quick check on the PNC will confirm whether he has or hasn't.

If he turns out not to be insured then he doesn't have a leg to stand on in pursuing you for his claim.

What I would do is, give him your insurers details and tell him that you have made them aware of the accident. Then tell him that you wish your insurers to sort the matter out with his insurers.
Also tell him that you have reported the bump to the police.

If he has insurance then you will be claimed against, but that is unavoidable under the circumstances.

If he has no insurance then your insurers will not be pursued for his claim and you get off scott free.

Good luck, and keep us posted.

 

Hey you should give him your insurance details and also just inform the police incase his daughter does start getting aches and pains with the neck at least it would be on record. I nearly got caught out like that and it's not nice. Hope it gets sorted out ok.

 

Thanks for the replies...I just went to the Police station. They claimed that I do not have to record the accident as our details have been exchanged. Legally I am fine...I did mention that I think he is not Insured. She said that it is up to the Insurance Company to pursue that...if they find he is uninsured they will get in touch with the Police. So I left without it being recorded...should I go back again.

 

Is that more than your excess? If not, you will have to pay it anyway (will your NCB be affected in that case?).

It may be that you can involve the insurance company without it causing problems further down the road. Give 'em a call and ask what the repercussions would be if you notified them but paid for it yourself. Unless anyone else already knows the answer to that one? I mean, if you're not actually making a claim...

 

Just tell him that in your policy it states that you have to inform them of any accident for record purposes even if you dont claim & that you need details of his Insurance for that purpose, that way you will find out if hes insured. If it turns out hes not then tell him that if he persues you for the money you will tell the Police he was un-insured, it might work.
Secondly ask your Insurance company what effect claiming will have on the cost of your renewall. Then you can make a decision as to whether or not to claim, Also ask if you have to pay your excess on a third party claim, I am not sure it applies.
If you have any concerns that he might come back for any personal injury claims then give it to your Insurance company to sort out, at least then you will have peace of mind
Stuart

 

Thanks guys...your help is appreciated.

 

If your insurance company are aware of the accident they will hike your premium up next year regardless of fault even if you have a protected ncb. This has happened to me twice now even though my car was stationary both times and I wasn't even in them. Tell him you have decided to go through the insurance and ask for his insurance details, if he provides them the choice is yours as to which way you want to go and if he doesn't theirs not much he can do except sue you for damage and injury but in the meantime having to admit he was driving with no insurace

 

he may be Third party only, if so then he'll have to deal with your insurance Co etc which is more hassle for him rather than going private.

Personally with the blame culture these days coupled with your posted dealings with Corsa man, I'd say go through insurance. As said earlier your premium will now go up regardless - obviously by how much depends on the claim, if he decides to claim that is.

If you have any incling that once you've stumped up £311 he'll try it on with personal injury then the decision IMO is a no brainer.

 

In todays culture, I'd say its NEVER safe to settle a claim yourself.

With the current trend in civil litigation and fraudulent injury claims, you have too much to lose to try and deal with it yourself.

Your insurance company is considerably better off than you are and your legal cover will probably cover you into 7 figures.

Put the ball in his court and tell him to talk you your insurers, cos they are dealing with it.

 

his little daughter was in the front seat. She must have been 3 years old without any form of child seat!!!
would he be able to make a claim for his daughter, as she should have been in the back seat properly restrianed. im sure unless fitted with a proper child seat, children under a certian age should not be in the front seats.

 

F R that was what I was thinking to, call his bluff if I was you.

John

 

Hmm, ordinarily an insurer shouldn't hike your premium/reduce your NCB unless they were left out of pocket over the incident. If it was your fault, that applies. If it was not your fault you should be OK, unless they were unable to recover the costs from the other person for some reason. If you return to your car and find it damaged then, although it wasn't your fault, your insurer will still be out of pocket so your premium will suffer as a result...

 

My missus was hit by a chav last December, who was completely responsible for the bump.

Her NCD was re-instated, our excess was returned, yet our premium went up by £50.

I thought it was a mistake, then I tried the online quotes (elephant) and when you put in details of the accident, even if you are not at fault, the premium goes up.

Whats that all about?

They must deem you to be "unlucky" hence a higher risk since you got hit.

 

Talizman,

Exactly the same for me £50 up as my car had been involved in an accident, the repair cost £60 and I was the non faulting party !!!! The insurer claimed I was a higher risk as my car had been involved in an accident. This was a door ding in a car park and I was standing next to the car when the dozy tw@t opened his door. Thought I was going to have a punch up as the three youths refused to give any details of insurance and told me to pi$$ off when I siad they would have to pay for the ding to be removed. In the end I had a witness and his reg number and left the rest to the insurance and police. I only took the action to prove a point as they were so rude at the time. At least their Big Mac worked out to be expensive

 

Right update time he called me three times today...I told him that I was going through my Insurance company, I also told him that I told the Police (just as I did). I asked him to give me his Insurance details he asked for mine. I gave him the name of my Insurance Co., policy number and their claims line. He asked if they would be open now. I said no, normal office hours. When I asked for his he asked his wife in the background then said he would have to get them out of the car. He then said he would call me back with the details later. I said okay and we ended the conversation. Now he could well be Insured but if I was in the process of getting a claim sorted I would have kept the person on the phone and quickly got my details to avoid delay in proceeding, ehat do you guys think?

 

Yep, they all seem to do that these days. With so many companys offering protected NCB this is how they get round it. If you had a crash then although you still have full NCB the premium will be loaded anyway as you have declared an accident! They aren't going to lose out on your £££££ for anything! Good old insurance

Matt

 

Any response to my update of events...see above.

 

My gut reaction is that he appears to be stalling.....

If you had run into the back of me, I'd have ALL the information ready to swing the claim into motion.

I think you may find that your suspicions were correct.

Either that or else he is just extremely disorgainised/interested.

Stick with it, you may end up not having to claim your insurance after all.

My mate's wife was involved in an accident where she rear ended another chick in a VX Tigra. The Tigra driver gave Linda her details and told her to call her husband later to sort it out.

Linda called the girl and she said that her husband wasn't home yet, and could she call again later.

She called again later that night and spoke to the husband who denied all knowledge of previous conversations and claimed that his wife had not been in an accident and that they had the wrong person! lol

Obviously the girl had no insurance but this suited my mate and his wife as it meant his insurance wasn't being stung.

You may find this happens to you!

 

well the insurance scam what scooby doo and talizman are talking about is completely shocking and I would believe this to be true 100%.So basically I am going to get penalised again with my insurance.This is the third time I have had a none fault claim.

1.car staionary in a car park and a rich dumb **** reverses and take out my wing.New wing replaced.

2.car stationary in traffic and the gas meter bloke playing on his phone decides to hit me in the rear.New bumper replaced

3.car stationary AGAIN and a woman decides to hit me in the rear AGAIN.New bumper replaced AGAIN.

All of it just cosmetic damage but damn annoying and because it goes to the subaru dealer to get repaired (my choice) it takes weeks and weeks to get sorted and now at the end of all of this I will get penalised for some ****** hitting me all the time.Do you not think maybe this is one of the reasons people play up with whip lash? as they are going to get fcuked up the rear by the insurance company why not try and get something for themselves.I have never claimed for any loss through insurance before but maybe I should,OWE MY NECK HURTS!

Aaquil- none of the above applys to you hitting this guy,its an insurance rant and accidents happen. It sounds to me like he is stalling and hopefully you may get out of jail free.Fingers crossed mate.

 

I know it was stupid hitting him...but if it was the other way round I would have been really reasonable and probably let him off like when a posh guy hit me in the back with his Jag...I had a Toyota Carina at the time. The rear bumper on my car wasn't brilliant before that and there seemed to be no damage so I left it. The same was the case for this guys then he started giving me a list later on.

When I hit him he had gone to move off without looking so he was part on the road we were both turning into and part on the road we were leaving. I'm sure the car he stopped for had to go around him. He didn't look...stopped i presumed he had gone and lightly banged him...I was just moving forward NOT launching my car against a BMW or Nova chav!!! (By the way not all BMW or Nova drivers are chavs).

 

Guy thanks for all the help and encouragement...this is probably the biggest thread I've ever had you're all good lads!!!

 

Stupid hitting him?

we all have our off days and make mistakes,even me ha ha. I was just pissed that I will get penalised for some one hitting me again its like going out on the drink some one starting a fight with you,you end up beat up and then this person sues you for damaging his fist with your face. Or something like that lol.

 

Very good point LOL.

 

Anyone else with input please.

 

Hey Aaquil, did he call back with his details...?

 

I once managed to claim against another driver when I hit him from the rear. He pulled straight out in front of me. I did get two independant witnesses that signed statements to that effect though. It destroyed my Chevette as well, so a result all round