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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.
 

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As far as I am aware you are now legally obliged to exchange details of your insurance company as well as the details you already have. I would give him a reasonable time to deal with the matter privately, possibly confirming this in writing to him, and if he doesn't do something, either pay or give you his insurance details, I would put it in the hands of your insurance and let them deal with him.
HTH.
 

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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.
 

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+1 with phil ,im very weary of doing this due to a bad experiance years ago and would not let the driver leave the scene without proveing to me that 1,he has insurance ,2 he can prove where he lives ,3 id also take photos at the scene of both vehicles and his face ,sorry but ive been bitten doing this and am realy paranoid someone would have me over again .
another thought is whilst your cars in being repaired is he willing to pay for a hire car for you for the day ??
the moor i think of this kind of thing the moor id just tel him i want it done threw the insurance to cover any unforseen complications .
ps im sure he is required by law to give you his insurance details when you requested them .
 

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I'd call your insurance right away. I had a similar thing a couple of years ago, felt sorry for someone who hit my parked car, they said same sort of thing and then kept refusing to pay! Went through small claims court and insurance's legal dept. in the end, they were found at fault any I kept all my NCB, but it took 18 months to sort!! It's not worth all the hassle, let your insurance get the money off them!!
 

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I am with the other guy's and to phone your insurance straight away and not give him chance to repair his car and deny ever hitting you.

It would be in his interest to pay for the damage as his excess cant be far off £270.00
 

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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
 

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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.
 

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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
 

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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...
 

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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.
 

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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.
 

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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?
 

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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.
 

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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.
 

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Discussion Starter · #18 ·
Thanks for the replys guy, i have phoned my insurance and told them about the accident and that i waiting for him to contact his.

When i got home last night i phoned the guy who hit me and he said that he didn't have time to phone his insurance today and that he was going to phone them tomorrow. I think he wants to hold me off for as long as possible so i put the claim in against him! I might tell him i will phone the police if he fails to give me his insurance details, as i think he might not be insured.

Thanks
 
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