Someone Crashed Into My Car!

QUOTE(Brucie ST @ 4 Nov 2009, 10:18 PM) <{POST_SNAPBACK}>Hi Guys,


I was coming home yesterday from work, coming to an island in slow traffic and someone launched in the back of me. He must of being going around 5mph if that. Got out the car and he said he was distracted by his Sat Nav and that it was his fault. He said that he didn't want to go through insurance as is was his new car and he would be left with no NCB so I said I would call him tomorrow and get a quote for the work to be done privately.

I have a crease line with scratches around my back bumper. Got the car checked out underneath today and the mechanic said it was ok. So I went to a body repair workshop and got quoted £270 for the work to be carried out. So I got home and phoned this guy up and he said he wanted to see what his insurance say. I then asked him for his insurance details as he didn't have them on him yesterday and he said he didn't want to give me them because he wanted to speak to his insurance first, "isn't that against the law?" He then said he would call me and let me know whats going on. I did get his registration plate & home address at the scene.

I haven't phoned my insurance yet because I was certain he would not go through them as his doesn't stand a chance, but should I phone them and tell them what's going on or wait for him to get back to me as I don't want my insurance to know the cars been in a accident?

Thanks.

Ring your insurer straight away, they can check if he has insurance for a start, i've had this in the past and been messed around by the third party, if he's insured and he hit you from behind, he will be at fault.
You don't need to make a claim if you want to wait for him to pay, but best to cover all bases.

Also you can claim for any out of pocket expenses. Why go to the trouble of getting quotes to save him money? he drove up the back of your car. ffs.

My thoughts would be the guy is not co-operating so far and may be trying to pull a fast one

Do not trust him

In my opinion you should keep yourself in the right,contact your insurers and explain the situation

IIRC you MUST report all accidents even if your not making a claim!

If as you say you have the other guys reg number then use the link below and it should tell you if he has insurance

Click Me

QUOTE(Tony4052 @ 5 Nov 2009, 06:02 AM) <{POST_SNAPBACK}>I am not disagreeing with what has already been said. However I have had two very similar accidents in the last 3 years. I have been hit in the rear, both times it was undoubtedly the other party's fault. However, I know have 2 no fault claims against my and this has increased my insurance. When I question this, the insurance company stated that I am a higher risk. Even though neither accident was my fault and both claims have been settled in full by the other party's insurance.

Tony
I also have to agree with what you have to say, it's yet another case of insurance companies taking us for a ride we just can't win

QUOTE(Tony4052 @ 5 Nov 2009, 06:02 AM) <{POST_SNAPBACK}>I am not disagreeing with what has already been said. However I have had two very similar accidents in the last 3 years. I have been hit in the rear, both times it was undoubtedly the other party's fault. However, I know have 2 no fault claims against my and this has increased my insurance. When I question this, the insurance company stated that I am a higher risk. Even though neither accident was my fault and both claims have been settled in full by the other party's insurance.
You make a very good point there

Brucie will need to decide whether it is worth taking that risk of increased future premiums for a small claim i.e. under £500,or keeping chasing the bloke for money for the repair and possibly ending up paying for it himself...

QUOTE(Jimmy @ 5 Nov 2009, 08:05 AM) <{POST_SNAPBACK}>You make a very good point there

Brucie will need to decide whether it is worth taking that risk of increased future premiums for a small claim i.e. under £500,or keeping chasing the bloke for money for the repair and possibly ending up paying for it himself...
That is why I would set him a deadline, say 14 days after you give him the quote, in writing to cover yourself. The guy may be genuine, if after the 14 days he hasn't paid, let the insurance company have it.
My 19 year old daughter was in a similar position last year, but on the other side, the other party sent her a quote, she went round and paid him, job done. Some people are genuine.
Hope it works out for you.

Thanks, Chris!

I idly clicked on the askmid link you provided and checked our Land Cruiser Amazon. It is not on the database. I phoned Churchill and asked why they hadn't actioned my letter of 27 August, disclosing our new registration number. The guy said they had received my letter, but such things had to be done over the phone.

QUOTE(steviebabes @ 5 Nov 2009, 10:48 AM) <{POST_SNAPBACK}>Thanks, Chris!

I idly clicked on the askmid link you provided and checked our Land Cruiser Amazon. It is not on the database. I phoned Churchill and asked why they hadn't actioned my letter of 27 August, disclosing our new registration number. The guy said they had received my letter, but such things had to be done over the phone.

...and they didn't think they should tell you?

QUOTE(Tony4052 @ 5 Nov 2009, 06:02 AM) <{POST_SNAPBACK}>I am not disagreeing with what has already been said. However I have had two very similar accidents in the last 3 years. I have been hit in the rear, both times it was undoubtedly the other party's fault. However, I know have 2 no fault claims against my and this has increased my insurance. When I question this, the insurance company stated that I am a higher risk. Even though neither accident was my fault and both claims have been settled in full by the other party's insurance.

I see what you are saying but if he just informs his insurance of what has happened he shouldn't have a increase in premium if the guy decides to play ball and cough up for the damage.

The insurance company might get funny if Brucie give's the guy a week or so to sort it out and will ask why it's taken so long to report it which I think mandatory to inform them regardless of fault.

Maybe one of the insurance sponsors can give better advice on the best route to take.

I had this a while back in our people carrier, when my renewall came up, swiftcover refused to quote, the reason, i had reported an acident so they thought they may get a claim, even though the third party's insurer took liability and repaired the car? I told swiftcover where to stick its policy and went elswhere and got a cheeper quote.