Hit by car… options please
Discussion
Evening
Our van was hit yesterday and wing mirror taken off.
Driver didn’t stop, but we know the reg. he is local (checked with main dealer and they look after the car) but I don’t have driver details.
Is there a way to find out who he is insured with and speak to them directly.
Value of claim is under £500 which is my excess, and to be honest I do t want an insurance claim if I can avoid.
Many thanks
Our van was hit yesterday and wing mirror taken off.
Driver didn’t stop, but we know the reg. he is local (checked with main dealer and they look after the car) but I don’t have driver details.
Is there a way to find out who he is insured with and speak to them directly.
Value of claim is under £500 which is my excess, and to be honest I do t want an insurance claim if I can avoid.
Many thanks
Simond S said:
Evening
Our van was hit yesterday and wing mirror taken off.
Driver didn’t stop, but we know the reg. he is local (checked with main dealer and they look after the car) but I don’t have driver details.
Is there a way to find out who he is insured with and speak to them directly.
Value of claim is under £500 which is my excess, and to be honest I do t want an insurance claim if I can avoid.
Many thanks
You won't be paying an excess if the other driver is at fault. Our van was hit yesterday and wing mirror taken off.
Driver didn’t stop, but we know the reg. he is local (checked with main dealer and they look after the car) but I don’t have driver details.
Is there a way to find out who he is insured with and speak to them directly.
Value of claim is under £500 which is my excess, and to be honest I do t want an insurance claim if I can avoid.
Many thanks
Pass the number plate onto the insurance company (yours) and let them deal with it. Can also report the fail to stop element to the police if you wanted.
mib.org.uk I think give you the option to get a third parties insurance details but you need to pay for it.
Personally going to your insurance company and letting them deal with it is what I'd do.
You'd still need to declare the claim come renewal even if you don't use your insurance company.
Vsix and Vtec said:
You don't need to know who was driving. Just pass the reg and details of the hit and run to both the police and the insurance company. They don't need anything else.
The police? Insurance? Hit and run? Remember any claim, fault or otherwise goes on your claims experience and can impact premiums. We had a lad reverse into one of our (stationary) vans with doors open - made a mess of it - somehow his insurers have closed the claim as no fault - currently at solicitors stage.
We have a small fleet of vans and wing mirrors are replaced when needed, a cost of doing business. We also don't use manufacturer wing mirrors, pretty much identical replacements available online for a fraction of the price (just make sure have same connectors/functions).
Simond S said:
Evening
Our van was hit yesterday and wing mirror taken off.
Driver didn’t stop, but we know the reg. he is local (checked with main dealer and they look after the car) but I don’t have driver details.
Is there a way to find out who he is insured with and speak to them directly.
Value of claim is under £500 which is my excess, and to be honest I do t want an insurance claim if I can avoid.
Many thanks
Options.Our van was hit yesterday and wing mirror taken off.
Driver didn’t stop, but we know the reg. he is local (checked with main dealer and they look after the car) but I don’t have driver details.
Is there a way to find out who he is insured with and speak to them directly.
Value of claim is under £500 which is my excess, and to be honest I do t want an insurance claim if I can avoid.
Many thanks
1. Pay for it yourself and move on.
Someone drove into my parked car and I chased them and then their insurance company. I did all the work and didn't involve my insurance company at all.
Come renewal time my insurance company had all the details and wanted to massively loaded my premium.
And I would have had to declare for the next 5 years.
Far cheaper to swallow it and pay for the repair myself.
Come renewal time my insurance company had all the details and wanted to massively loaded my premium.
And I would have had to declare for the next 5 years.
Far cheaper to swallow it and pay for the repair myself.
Edited by croyde on Friday 5th April 08:30
croyde said:
Someone drove into my parked car and I chased them and then their insurance company. I did all the work and didn't involve my insurance company at all.
Come renewal time my insurance company had all the details and massively loaded my premium.
And I had to declare for the next 5 years.
Would have been far cheaper to swallow it and pay for the repair myself.
Even if you did pay for the repair yourself, your insurance company may well have loaded your premium anyway., given that you would have had to report the incident to them straight away or at renewal.Come renewal time my insurance company had all the details and massively loaded my premium.
And I had to declare for the next 5 years.
Would have been far cheaper to swallow it and pay for the repair myself.
Pit Pony said:
Fast and Spurious said:
Hit and run????!!!
I think it's more, leaving the scene without giving your details My OH had the side of her car scraped by an elderly driver who was blissfully unaware and drove away.
The OP wants to contact the insurers directly - to what end ? They won't give their clients details. Unlikely that their client will admit to the offence if he knowingly drove off. Even more unlikely the OP can prove anything.
Buy a new mirror.
GasEngineer said:
croyde said:
Someone drove into my parked car and I chased them and then their insurance company. I did all the work and didn't involve my insurance company at all.
Come renewal time my insurance company had all the details and massively loaded my premium.
And I had to declare for the next 5 years.
Would have been far cheaper to swallow it and pay for the repair myself.
Even if you did pay for the repair yourself, your insurance company may well have loaded your premium anyway., given that you would have had to report the incident to them straight away or at renewal.Come renewal time my insurance company had all the details and massively loaded my premium.
And I had to declare for the next 5 years.
Would have been far cheaper to swallow it and pay for the repair myself.
Funnily enough when faced with an insurance hike that was more than the costs of the repair, I informed my insurance company that I hadn't yet gone ahead with the repairs and no-one had yet been billed.
So how about we just leave it as not claiming.
They dropped the price rise and nothing more was said. I just left the bashed in wing unrepaired.
This was about 20 years ago so maybe things weren't so strict.
I've edited my original post to be more accurate.
Edited by croyde on Friday 5th April 08:31
GoodOlBoy said:
What if the driver didn't realise he'd knocked the mirror off ? The OP doesn't make it clear whether the driver knowingly drove off.
My OH had the side of her car scraped by an elderly driver who was blissfully unaware and drove away.
The OP wants to contact the insurers directly - to what end ? They won't give their clients details. Unlikely that their client will admit to the offence if he knowingly drove off. Even more unlikely the OP can prove anything.
Buy a new mirror.
Exactly, even if the police speak to the registered keeper of the other vehicle and identified who the driver was, all that person has to say is that they didn't know they had hit the cars mirror and damaged it, and had they known they would have stopped and left their details. My OH had the side of her car scraped by an elderly driver who was blissfully unaware and drove away.
The OP wants to contact the insurers directly - to what end ? They won't give their clients details. Unlikely that their client will admit to the offence if he knowingly drove off. Even more unlikely the OP can prove anything.
Buy a new mirror.
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