Accident - 3rd party didnt give insurance details

Accident - 3rd party didnt give insurance details

Author
Discussion

keegs111

Original Poster:

164 posts

150 months

Tuesday 15th April 2014
quotequote all
Hi all.....

My Mrs has just called me (the call that no-one wants to get!!) to say she's been involved in an accident. She says it wasn't her fault so I am working on the basis that this is a non-fault claim.

The lady who hit her was unable to give her the name of the insurer or confirm that the car belonged to her. Whilst it was all slightly frantic, I spoke to her briefly and she could speak little English, but it seems that the car belongs to her boyfriend who lives at the other end of the country. I asked her to provide his contact details to my Mrs.

It has ended in her refusing to give any other details than a barely legible mobile number (hers, not of the person who own the car) and then driving off. She refused to give my mrs the details of the owner as she doesn't want anything to do with him (her boyfriend), and that's it!

So, she's driven off, the only details we have is her reg number and her mobile number. She has refused to give insurers details or details of the owner, and my Range Rover needs a new bumper.

I have checked MIDB and her car is insured, but is she not obligated to give details of her insurer? If I cannot get the details from her later on today, and she does not report the accident, is this a crime for failing to report an accident?

I assume I contact my insurer now and start the claim process, or do I go to a management company to get them to deal direct as its no our fault. I'm pissed off that she has avoided giving any details, so I'd like to be forceful in perusing this......

Thoughts?

10 Pence Short

32,880 posts

216 months

Tuesday 15th April 2014
quotequote all
I suspect if you go to the Police, they will say to you go through your insurer, seeming you have the reg number and managed a chat by the side of the road. So I would go to your insurer and then go to the Police if they cannot trace anyone.

eybic

9,212 posts

173 months

Tuesday 15th April 2014
quotequote all
Your insurer will be able to confirm who the car is insured with and will probably contact them themselves.

Aretnap

1,643 posts

150 months

Tuesday 15th April 2014
quotequote all
You're not obliged to give insurance details at the roadside unless there's been an injury, and even then if you don't you have a week to produce your insurance certificate at a police station ( linky). As you have the car registration number you can get them from AskMid for a nominal fee here, or your insurer can get them for you.

She IS supposed to give her name and address, the name and address of the vehicle's owner (if different) and the vehicle's registration number. It sounds like she didn't do that, so strictly speaking she's committed an offence, but as you have the VRN you haven't been seriously disadvantaged by it.

pork911

7,088 posts

182 months

Tuesday 15th April 2014
quotequote all
You have the reg, contact your insurers. The rest of your annoyance is, bluntly, irrelevant.

Cat

3,017 posts

268 months

Tuesday 15th April 2014
quotequote all
Aretnap said:
You're not obliged to give insurance details at the roadside unless there's been an injury, and even then if you don't you have a week to produce your insurance certificate at a police station ( linky).
You are correct that in the case of an injury accident they have 7 days to produce evidence of insurance. However to stay completely legal they also need to report the accident to a constable or at a police station as soon as reasonably practicable and in any case within 24 hours.

Cat

Jon1967x

7,178 posts

123 months

Tuesday 15th April 2014
quotequote all
Go through your insurer and dont deal direct with hers (even if you could which you can't). If there are issues with a repair you need to be able to chase someone you have a contract with.

Now how's that severe case of whiplash you have?

LoonR1

26,988 posts

176 months

Tuesday 15th April 2014
quotequote all
pork911 said:
You have the reg, contact your insurers. The rest of your annoyance is, bluntly, irrelevant.
^^^^^ this. I love the outrage on PH whenever someone's car gets dented.

5.0ltr

2,750 posts

198 months

Wednesday 16th April 2014
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Road traffic act has not been complied with. Report accident to police station .

Snowboy

8,028 posts

150 months

Wednesday 16th April 2014
quotequote all
If it was me I'd call police and insurance company.

Just to get it logged on the police records now in case it gets sticky later.

Starfighter

4,908 posts

177 months

Wednesday 16th April 2014
quotequote all
Snowboy said:
If it was me I'd call police and insurance company.

Just to get it logged on the police records now in case it gets sticky later.
This.

Retroman

961 posts

132 months

Wednesday 16th April 2014
quotequote all
Inform the police what happened in regards to them refusing to give you her full name and address and driving off.
They usually contact the registered keeper asking them to name the driver at the time, as it's an offense to leave the scene of an accident without providing full name and address details.

As mentioned, insurance details don't need to be provided unless someone is injured.

Contact your insurance company as well and they will contact the third party's company and should deal with this all on your behalf.