Finding the insurance provider of a car
Discussion
Came back to the car after work to find someone scraped the whole side of the car whilst parked at work.
A witness has left the reg of the offender and his details with security.
Is there any way to find who the insurer is of the vehicle that hit mine is?
I’ll also report it to 111 as a hit and run.
I have a witness
Photograph of the offending car and the damage on it and photographs of mine.
Unfortunately no cctv of the act.
A witness has left the reg of the offender and his details with security.
Is there any way to find who the insurer is of the vehicle that hit mine is?
I’ll also report it to 111 as a hit and run.
I have a witness
Photograph of the offending car and the damage on it and photographs of mine.
Unfortunately no cctv of the act.
sam.rog said:
Came back to the car after work to find someone scraped the whole side of the car whilst parked at work.
A witness has left the reg of the offender and his details with security.
Is there any way to find who the insurer is of the vehicle that hit mine is?
I’ll also report it to 111 as a hit and run.
I have a witness
Photograph of the offending car and the damage on it and photographs of mine.
Unfortunately no cctv of the act.
Report it to your insurance company and they will know. You don't need to know. Just let the insurance do what you pay them for.A witness has left the reg of the offender and his details with security.
Is there any way to find who the insurer is of the vehicle that hit mine is?
I’ll also report it to 111 as a hit and run.
I have a witness
Photograph of the offending car and the damage on it and photographs of mine.
Unfortunately no cctv of the act.
sam.rog said:
Came back to the car after work to find someone scraped the whole side of the car whilst parked at work.
A witness has left the reg of the offender and his details with security.
Is there any way to find who the insurer is of the vehicle that hit mine is?
I’ll also report it to 111 as a hit and run.
I have a witness
Photograph of the offending car and the damage on it and photographs of mine.
Unfortunately no cctv of the act.
Report to your insurance company. They’ll have access to the MID database and can get what they need from there. A witness has left the reg of the offender and his details with security.
Is there any way to find who the insurer is of the vehicle that hit mine is?
I’ll also report it to 111 as a hit and run.
I have a witness
Photograph of the offending car and the damage on it and photographs of mine.
Unfortunately no cctv of the act.
101 not 111…police can be slow at answering 101 but not as long as the NHS on 111
. 101 won't care about the leaving the scene, although they will eventually give you the name and address of the reg keeper (and possibly insurance company) but it takes them about 6-8 weeks.
I have found if you phone up direct line, say one of your insured hit my car, here's the reg number, they'll say "oh I'm afraid they aren't insured with us, but heres the phone number of the company they are insured with, but we aren't allowed to tell you the company name".
It's worked a few times for myself and friends when we haven't wanted to get our own insurance company involved to avoid the costs sky rocketing and thus the claim being noted on file as a much higher value. I find dealing direct with the 3rd partys insurance co a much faster and cost effective way of dealing with it.
I have found if you phone up direct line, say one of your insured hit my car, here's the reg number, they'll say "oh I'm afraid they aren't insured with us, but heres the phone number of the company they are insured with, but we aren't allowed to tell you the company name".
It's worked a few times for myself and friends when we haven't wanted to get our own insurance company involved to avoid the costs sky rocketing and thus the claim being noted on file as a much higher value. I find dealing direct with the 3rd partys insurance co a much faster and cost effective way of dealing with it.
It's often much quicker and easier to go direct to the third party insurer than your own - no temporary loss of NCB, no excess to pay etc.
As long as the third party insurer admits liability they'll bend over backwards to avoid you going to an accident management company.
I'm a little surprised so many on PH still recommend going to your own insurer when the path above is so simple (especially for clear cut non-fault claims).
As long as the third party insurer admits liability they'll bend over backwards to avoid you going to an accident management company.
I'm a little surprised so many on PH still recommend going to your own insurer when the path above is so simple (especially for clear cut non-fault claims).
mattyprice4004 said:
It's often much quicker and easier to go direct to the third party insurer than your own - no temporary loss of NCB, no excess to pay etc.
As long as the third party insurer admits liability they'll bend over backwards to avoid you going to an accident management company.
I'm a little surprised so many on PH still recommend going to your own insurer when the path above is so simple (especially for clear cut non-fault claims).
How do you balance that against the common policy requirement to inform your insurer if you are involved in an accident?As long as the third party insurer admits liability they'll bend over backwards to avoid you going to an accident management company.
I'm a little surprised so many on PH still recommend going to your own insurer when the path above is so simple (especially for clear cut non-fault claims).
Unreal said:
How do you balance that against the common policy requirement to inform your insurer if you are involved in an accident?
There is a difference between 'informing' your insurer and 'claiming' from your insurer.The first one is a requirement by the insurer.
The second one is an option by the insured.
Yellow Lizud said:
Unreal said:
How do you balance that against the common policy requirement to inform your insurer if you are involved in an accident?
There is a difference between 'informing' your insurer and 'claiming' from your insurer.The first one is a requirement by the insurer.
The second one is an option by the insured.
mattyprice4004 said:
I'm a little surprised so many on PH still recommend going to your own insurer when the path above is so simple (especially for clear cut non-fault claims).
Nothing is simpler than doing zero legwork and simply informing your own insurer so they can do what you are paying them to do IMHO.48k said:
mattyprice4004 said:
I'm a little surprised so many on PH still recommend going to your own insurer when the path above is so simple (especially for clear cut non-fault claims).
Nothing is simpler than doing zero legwork and simply informing your own insurer so they can do what you are paying them to do IMHO.
king useless and the third party (admiral) were brilliant - I assume helped by the fact they they were keen to get things resolved quickly as it was in their interest to get things moving...I think it'll always come down to the specific situation, not always easier to just leave it to your insurer in my experience...
48k said:
Nothing is simpler than doing zero legwork and simply informing your own insurer so they can do what you are paying them to do IMHO.
It's just a choice that's available with a non fault accident. Saves loss of ncb if that's a thing for you.ETA also if your policy doesn't provide a courtesy car then going direct to the third party can get you one without all the credit hire nonsense from an AMC.
sam.rog said:
Came back to the car after work to find someone scraped the whole side of the car whilst parked at work.
A witness has left the reg of the offender and his details with security.
Is there any way to find who the insurer is of the vehicle that hit mine is?
I’ll also report it to 111 as a hit and run.
I have a witness
Photograph of the offending car and the damage on it and photographs of mine.
Unfortunately no cctv of the act.
I was in a similar position this time last year (my fault - I knocked a scooter rider over, thank goodness both almost stationary and no injury). Within a few days I had a call from my insurer asking for details as they'd been contacted by his insurers. So just tell your insurers and they'll sort it out for youA witness has left the reg of the offender and his details with security.
Is there any way to find who the insurer is of the vehicle that hit mine is?
I’ll also report it to 111 as a hit and run.
I have a witness
Photograph of the offending car and the damage on it and photographs of mine.
Unfortunately no cctv of the act.
Steve H said:
martinbiz said:
Why do you need to know? You have the reg no that's all you will need
It's not a legal requirement to exchange ins details anyway, even if the 3rd party was present
I think Section 170(4) Road Traffic Act 1988 states otherwiseIt's not a legal requirement to exchange ins details anyway, even if the 3rd party was present
Gareth79 said:
Steve H said:
martinbiz said:
Why do you need to know? You have the reg no that's all you will need
It's not a legal requirement to exchange ins details anyway, even if the 3rd party was present
I think Section 170(4) Road Traffic Act 1988 states otherwiseIt's not a legal requirement to exchange ins details anyway, even if the 3rd party was present
The requirement to provide your insurance details to the other driver only kicks in if and when he actually makes a claim against you - RTA s154
Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff