Been hit by an uninsured **** am I being a selfish ****!

[md.]

I know the answer and can see why but...
My parked car was hit this morning by a scumbag* neighbour, His shed of a car was idling outside ( minus backbox ) droning away and as I looked out he was reversing towards it to drive away. Could see what was going to happen as he got closer and crunch, shouted out the window and he stopped and got out.
The usual "sorry didn't see it, my fiance's grandads just died don't start" bullst started and I was getting angrier all the time. Said look just give me your details and let the insurance sort it out. Lo and behold " wey to be honest pal I dont have insurance, can't afford it im on the dole".At this point I was fking livid (hes had the car for 2 bloody weeks and been using it regular!) and started a verbal volley of abuse at which point he asked If I" wanted to go up the field and sort this out" so
Laughed at him and walked away.
Hes offered to bring me money tomorrow to get it fixed but said how the hell do you know how much its going to cost! Now i've calmed dow a bit and stood and had a good look at the damage it looks minimal, bumper pushed out a bit, plastic clips damaged, bumper insert knocked out. Mk5 Golf.

• 3 kids 3 dogs, a partner that looks like she lives on heroine, lets his dogs st all over the land opposite his house, stands around his car with it droning away with his cronies, probably gets his rent paid etc etc.

Now the quandry. Im really concerned about any repercussions of reporting him, he told me he had no insurance and offered me money ( to keep quiet maybe, who know?) to get repairs done. He has undesirables visiting him quite regular, so obviously has "friends" not to mess with, has been using the car since he got it a while ago and I cant believe he hasnt been caught before now! and my family are regularly in the house when im not there. Everybody I have spoken to has said to just get on the blower, but to be honest I would say that as well if I was them, and didnt have to live round here, and constantly look over my shoulder and worrying about what was going to happen to the house/ car!
Heart over head, im so chewed up over this!
Cue the MTFU responses...
In a nutshell, been hit by uninsured scum and scared to report it!

[2Btoo]

Think how hacked off you are about the (very minor) damage to your car.

Do you want someone else to suffer the same, or much worse, when he does serious damage to their car/house/child?

Report it. And don't delay.

[Rovinghawk]

If he doesn't pay up, report.

If he does, give it a week or two then report.

[Paul Dishman]

Obviously the right thing to do is to report him, perhaps you need to think about what sort of position you will be in if you don't report him.
Why don't you get an estimate for the car repair and see if he'll pay it?

[md.]

Rovinghawk said:

If he doesn't pay up, report.

If he does, give it a week or two then report.

One option but a bit concerned that I now know and the police will ask why I didnt report earlier and b it gives him time to buy insurance (if hes even bothered!).

[roofer]

Should of taken him up on his offer of sorting it over the field , then reported him once you'd served him up.

He will now be under the illusion he's mugged you off, and bring you a tenner tomorrow.

Your call, live in fear, or not.

[bearman68]

Just treat him like a normal human being. Get a quote, pronto, and get some money off him. If this is OK, that's all good. Otherwise put it through the insurance, where he will get prosecuted.
Simples.

[md.]

The OH is going out to get a couple of quotes first thing tomorrow nad we'll see what happens we presented with them...

[killsta]

Why would you not report him? What about the next person he hits? What if he runs someone over? Insurance pays for a lot more than just vehicle damage repair.

[md.]

Totally understand what you're saying and know what insurance is there for but as said In the OP I'm a bit of a soft sh*te and really concerned what repercussions might come our way if I was to do the decent thing, living 3 doors away.
I realise I am being really selfish about it, but the safety and wellbeing of my family have to come first.

[anonymous-user]

message me the details and I will report him immediately, without hesitation or even a second thought

you can even tell him it was me if you want

[johnfm]

Have you considered moving out of Aleppo?

Sounds utterly ste.

[unimatrix1066]

Is there not a fund for un insured drivers throught the insurance ombudsman.
You will have to report him as a un insured driver

[adamInca]

Call to the police when you've seen him go out saying he's driving erratically and let the police's camera system flag he's not insured.
He cant be surprised to get stopped if he handles a car like he does and neglects to get insurance sorted.
Get him off the road.

[thelawnet1]

my local police force love to seize uninsured cars and post the photos on facebook/twitter.

Report him when he's in a dodgy part of town.

[rambo19]

This won't end well.

[dingg]

rambo19 said:

This won't end well.

Agreed

to the OP gallon of petrol over his car , make sure he doesn't see you.

job jobbed

[hman]

See how much money he offers you.


and then report it anyway.

[hman]

dingg said:

rambo19 said:

This won't end well.

Agreed

to the OP gallon of petrol over his car , make sure he doesn't see you.

job jobbed

it'll just make his car smell of petrol?

[loose cannon]

Report him before he hurts somebody !