Insurance Q - Non Fault claim?

[Andehh]

My car car was side swiped in the work car park. I have witnesses for it, who have reported it to the police. The damage is scuffs & a slight bumper crease, but I am worried about the knock on effect of future costs.

Does anyone have any experience with this sort of thing & the cost of future renewals? It is that borderline between enough damage to be noticeable & effect future sales but not enough for me to instantly hunting the culprit down myself.

Cheers

[LoonR1]

How many times can the same topic come up?

[Slidingpillar]

I did wonder...

edited to remove big nosed smiley as forum software got all confused

Edited by Slidingpillar on Friday 11th July 15:08

[SK425]

Andehh said:

Does anyone have any experience with this sort of thing & the cost of future renewals?

Anyone who has ever gone onto a comparison site for insurance quotes and entered the same details with and without the claim in the history has experience with this sort of thing .

[Andehh]

Apologies all, posted more for reassurance then anything. Took me years of saving up, and it is my pride and joy and I am torn between leaving it and getting it out back to the way it was.

Will run it through the comparison sites later. Just for those that HAVE been through this and renewed after.

Loon - your opinion matters, so if you could advise I'd be grateful?

[LoonR1]

It's impossible to answer. Your premium might go up, it might go down and it might stay the same. I don't know how quickly the culprit will be identified, admit liability and allow any NCD you have to be reinstated etc.

Too many variables for anyone to say with any confidence.

[Andehh]

Thanks! To see if it helps....

3 independent witnesses, they filed a police report and gave me all of his car details. He works for the same company as me, but the company don't hold registrations on record, so no hope of finding him that way.

That leaves me with the option of either asking the DVLA to get me his name & address and going direct to him OR going through my insurers and letting them deal with it all. I am 1 month into my policy.

What are the legalities of letting my insurers know, but explaining I am not sure if I am going to claim or not? Can I change my mind if going direct through him doesn't work?


edit: if possible, could anyone check to see if the car is insured? *reg removed* Many thanks

Edited by Andehh on Friday 11th July 16:47

Edited by Andehh on Friday 11th July 21:09

[LoonR1]

If you're only a month in to your policy then I'd ring your insurers and ask them to deal. Chances are this will be sorted before renewal.

The witnesses are key as his insurer will fold very quickly once they have those statements even if he denies doing it.

[Sheepshanks]

Andehh said:

Thanks! To see if it helps....

3 independent witnesses, they filed a police report and gave me all of his car details. He works for the same company as me, but the company don't hold registrations on record, so no hope of finding him that way.

That leaves me with the option of either asking the DVLA to get me his name & address and going direct to him OR going through my insurers and letting them deal with it all. I am 1 month into my policy.

It being in a works car park might give the police the excuse they (don't) need not to bother but in the normal course of events they would contact the other party and at least ensure you've exchanged details.

If you report it to your insurance company they'll take care of all this and your witnesses should ensure success.

[Andehh]

Police were remarkable unhelpful, minute I said work car park they washed their hands of it and said deal with the insurers. Seems a shame as I bet the guy's excess isn't much less then the cost of getting this all sorted. I suppose it's Karma if he left the scene without his details though...

Edited by Andehh on Friday 11th July 21:11

[SydneyBridge]

its insured

Edited by SydneyBridge on Friday 11th July 21:28

[Andehh]

Many thanks for that Sydney!

LoonR1/all - how best am I to get this sorted? Go direct through his insurance & explain to them whats happened or go through my insurance and get them to do the talking? Just looking to minimise costs & time frame as best I can.

Cheers

[SydneyBridge]

Cant you hang round the works car park. I assume the car is there every day, have a chat with owner, see how they respond and how they want to play it. They may give you cash to sort it.

[LoonR1]

SydneyBridge said:

Removed

That is a pretty serious breach of whatever access you have to MID and you should NOT be sharing data like that under any circumstances.

OP do NOT use this data.

ETA

Quote removed.

Edited by Big Al. on Friday 11th July 21:50

[LoonR1]

Andehh said:

Many thanks for that Sydney!

LoonR1/all - how best am I to get this sorted? Go direct through his insurance & explain to them whats happened or go through my insurance and get them to do the talking? Just looking to minimise costs & time frame as best I can.

Cheers

See if you can find him first if you want. Do not use the data provided earlier under any circumstances.

My advice is to contact your insurers amd explain. Give them his details gathered from the witnesses and their details amd let them resolve it.

For info the other guy does not have an excess for damage to other people or their property.

[Andehh]

Thanks guys, unfortunately there are three car parks at work and 6,000 employees on site. He must have known he hit me, so I wouldn'tbe ssurprised if his car remains tucked out if the way for the next few days. Sadly work doesn't keep track of registrations, there is the DVLA but with getting married in 2 weeks then our honeymoon for 2 weeks I either get the ball rolling, or miss the opportunity.

I found a similar askmid site that let me run a free check and it also confirmed he is with NFU Mutual. Wasn't sure if I'd save time/money going direct to them and just letting my insurers know they are handling it?


Edit: thanks for the confirmation of the excess (zero excess, is that common?) just wanted confirmation he is insured. His mot ran out 4 months ago, so had me a tad nervous.

Edited by Andehh on Friday 11th July 22:07

[LoonR1]

Always a £0 excess on damage / injury to others. The excess is only on your own vehicle.

Talk to your insurers. His insurers will not be able to help without him confirming that he did it which he probably won't. Your insurers know how to proceed; you don't. Few on here do either despite the crud they spout.

[Andehh]

Many thanks loon!

Spoke to my insurers and they offered to start it going and take my excess to claim back, heavily put forward the accident management company route neither which I liked, they then gave me all of his insurers details.

Tried contacting then but they wouldn't accept the allegations via their claim line, and I need to ring their head office to 'look into it' on Monday.

Fingers crossed they are OK sorting it, I really don't want to go down the accident management route for such a small claim... But I'm not in the mood to be buggered around 2 weeks before wedding/honeymoon.