Hit by an uninsured driver - will this affect my premiums?.
Discussion
I was involved in a low speed (10-15mph?) bump with someone today. 100% their fault and No major damage (dent the full length of a rear door - had to give it a good pull to get it open but it functions fine, window goes up and down etc). The Car isn't worth much (£500) and is only insured TPFT (Its used for dog carrying duties/tip runs/shopping trips only and only covers 3-4k a year).
He hit me then tried to drive off (Pretty dangerously too.) but got blocked when he came head on with a fire engine and couldn't get any further.
His car was on foreign plates (Belgium he said? - red/white pressed metal with no EU markings so i'm not sure.) and he refused to give me any details. Insisted his car was insured but he "doesn't usually drive it" and doesn't know the company name. He tried to persuade me to let him leave to "Get the documents". Then reverted to trying to offer me cash. So it was obvious something wasn't right. His daughter tried to give me a UK address for them (Which was on her license) but then said she doesn't actually live there anymore. He refused to give me any details or even talk to me when i told him i wouldn't take the cash.
Police turned up, confirmed what i thought - He was uninsured, The car had been in the UK more than 6 months and was unlicensed, untaxed and had no MOT. He's being dealt with by the police and his car is getting lifted which is all well and good from a legal point of view but i'm not sure where this leaves me.
The damage to my car isn't really worth trying to claim anything for - I'm TPFT so couldn't claim from my own policy anyway. To be honest the damage is that light that if he would have stopped i'd probably have checked that the car was OK then told him to forget about it so i guess its good he was a dick as he's now off the road!.
I know I will have to declare this to my insurance company. Is this likely to affect my premiums on this and other cars at all when it comes to renewal time - which is over the next 1-2 months for both policies so perfect bloody timing!
He hit me then tried to drive off (Pretty dangerously too.) but got blocked when he came head on with a fire engine and couldn't get any further.
His car was on foreign plates (Belgium he said? - red/white pressed metal with no EU markings so i'm not sure.) and he refused to give me any details. Insisted his car was insured but he "doesn't usually drive it" and doesn't know the company name. He tried to persuade me to let him leave to "Get the documents". Then reverted to trying to offer me cash. So it was obvious something wasn't right. His daughter tried to give me a UK address for them (Which was on her license) but then said she doesn't actually live there anymore. He refused to give me any details or even talk to me when i told him i wouldn't take the cash.
Police turned up, confirmed what i thought - He was uninsured, The car had been in the UK more than 6 months and was unlicensed, untaxed and had no MOT. He's being dealt with by the police and his car is getting lifted which is all well and good from a legal point of view but i'm not sure where this leaves me.
The damage to my car isn't really worth trying to claim anything for - I'm TPFT so couldn't claim from my own policy anyway. To be honest the damage is that light that if he would have stopped i'd probably have checked that the car was OK then told him to forget about it so i guess its good he was a dick as he's now off the road!.
I know I will have to declare this to my insurance company. Is this likely to affect my premiums on this and other cars at all when it comes to renewal time - which is over the next 1-2 months for both policies so perfect bloody timing!
You should declare it, but as nobody is claiming (or has a valid policy to claim off), then nobody will be any the wiser if you don't declare it. If you did have a policy to claim on, then future premiums would depend on the specific underwriting criteria of your insurer / the one you choosei n future. Nobody can answer that question other than them.
Oh, and for the conspiracy theorists, the police do not ring your insurer with claim details.
Oh, and for the conspiracy theorists, the police do not ring your insurer with claim details.
Mound Dawg said:
LoonR1 said:
Oh, and for the conspiracy theorists, the police do not ring your insurer with claim details.
Someone will be along in a minute to dispute this. My money is on Eclassy. It will have happened to him or one of his mates. 
t bingo with the usual SP&L tin foil hat wearers.Eclassy said:
I am surprised the holier than thou types on here havent picked up on this suggestion that OP not notify his insurers.
CRIMINAL!
I personally wouldnt. You'd be punishing yourself twice.
My first post below and pretty well every other answer is the same. For clarity: HE DOESNT HAVE ANY INSURERS AS HE'S TPF&T. CRIMINAL!
I personally wouldnt. You'd be punishing yourself twice.
You are exactly the way others portray you.
LoonR1 said:
You should declare it, but as nobody is claiming (or has a valid policy to claim off), then nobody will be any the wiser if you don't declare it. If you did have a policy to claim on, then future premiums would depend on the specific underwriting criteria of your insurer / the one you choosei n future. Nobody can answer that question other than them.
Oh, and for the conspiracy theorists, the police do not ring your insurer with claim details.
Oh, and for the conspiracy theorists, the police do not ring your insurer with claim details.
Edited by LoonR1 on Monday 26th January 10:11
v12Legs said:
If you did want it repaired, the MIB (no, not Will Smith, the other organisation!) would be obliged to cover the repair, as it was caused by an uninsured driver.
Thought that the first £XXX was covered by the OP?So if the car is a £500 snotter and the damage is £300, the OP still has to pay the first part of its and its probably not worth it at all.
Too much hassle for not a lot of money.
If it was worth several thousand and the damage was significant, then yes the hassle is worth it.
Du1point8 said:
Thought that the first £XXX was covered by the OP?
So if the car is a £500 snotter and the damage is £300, the OP still has to pay the first part of its and its probably not worth it at all.
Too much hassle for not a lot of money.
If it was worth several thousand and the damage was significant, then yes the hassle is worth it.
Good point, it might well not be worth it.So if the car is a £500 snotter and the damage is £300, the OP still has to pay the first part of its and its probably not worth it at all.
Too much hassle for not a lot of money.
If it was worth several thousand and the damage was significant, then yes the hassle is worth it.
Not sure what the excess that MIB make you pay is though.
OldGermanHeaps said:
Running a snotter turns a stressful expensive disaster into a minor annoyance. Well done OP. I would keep my mouth shut if it was me, or take his offer of money then grass the st in anyway once the cash was in my hand.
Sounds like the other car was impounded as the police turned up.t in anyway once the cash was in my hand.Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff