last night a hit and run driver did this to my golf. it also hit two other cars and, ripped the tarmac off the road and damaged two walls.







at around midnight my girlfriend and i heard a huge bang and my alarm went off. ran outside to find a mondeo 30 meters down the road crashed in to a wall. the door was open, keys in the ignition and the airbag had gone off. i heard a man on his phone in the adjacent field saying he'd crashed down the road from his house. but i couldnt see the b&stard. he ran off.

police were called, took no real statements, didnt bother looking in the field, gave crash number, waited for recovery of the mondeo and left. no pictures taken by then. another pc went to the registered house of the vehicle, which was insured.

when i woke up i was fuming at the police as they showed no real consideration, and i felt i already knew the outcome. i rang them up and vented, mainly selfishly at my loss.
the woman who the car was registered and insured to told the police the car was taken without consent, but she gave a possible three names. they had her keys ffs!

so at the moment a hit and run with a stolen car has taken away my 5 years work. the woman definitely knows who took the car but wont confess. where can it go from here?

im fully comp with greenlight, insured through highways. they said they had to recover the car as it was dangerous to the public. to be fair, it had been ripped open like a can of beans. so its with the recovery company with no charge until they can asses the damage. it wont be repairable.

where do i stand from here? i have a feeling that i have to claim. i cant get to work without a courtesy car. i cant borrow a car from anywhere else as my girlfriend needs hers. do i loose all my no claims discount?

the police have passed the incident to CID and assure me they are taking it seriously. they will take forensic evidence in the mondeo. the driver is faced with theft of a vehicle, criminal damager and leaving the scene of an accident. but they dont yet know who he is. but how hard can they press the owner of the car? she obviously knows something. is there any way of getting her with perverting the cause of justice?

i can recover the no claims even if the owner of the mondeo claims the car has been stolen?

breadvan, thank you for the reply. it makes me so angry that this person will most likely never be caught.

the worst thing here is im looking from going from a 170hp golf to a 60hp skoda fabia!

I have a vague memory that if the car has hit yours under the RTA the insurers would pay up.

I also seem to recall that this is the same if a stolen car hits a police car during pursuit for instance.

I do add a rather large disclaimer that I may indeed be talking complete bks.

Two things.

1 if the twoc stands you'll end up going through the uninsured loss bureau. You will still get paid out, it will take longer and your no claims are at risk (depending upon insurer.)

2 the police will investigate via forensics. What happened on the night is pretty standard. After a make off from an accident where no injuries the resources deployed will be as limited as possible. The days of searching for suspects went with all the cuts. Sad, but true and only likely to get worse.

a big apology went out to the police when they rang back. the pc who was passing the case to CID was very helpful

No - the MIB scheme covers you for damage caused by uninsured/untraced drivers.
HOWEVER, your insurance comnpany will VERY RARELY tell you about the schem, as the more claims that it pays, the greater the premium THEY have to pay next year.

DNA? Breath/blood testing 'alleged ' drivers?? Photographs?? Fingerprints??

You've been watching to many episodes of CSI I'm afraid (with a mixture of the bill thrown in)

http://www.uninsured-claims.co.uk/

This helps me with an ongoing dispute. Good luck getting everything sorted.
Mine was just a minor bump, your Golf was a really nice motor.

the PC has said they will use DNA if appropriate. drinks bottle, fag end etc. assume they will be some on the airbag. if they can match it to anyone. it takes at least 6 weeks if they do.

And how do you PROVE he was driving it at the time. You know, that thing called beyond reasonable doubt. Knowing and proving are two very different things.