Insurance Claim Problems & Third Party Details "Unknown"
Discussion
Posting this on behalf of a friend.
Friend was driving along a 30mph road at night, with right of way.
There was a car sitting further down the road waiting to turn onto a minor road.
As my friend drove towards it, they pulled onto his side of the road and caused an accident.
Both cars were badly damaged and my friend was hurt. A passer by called the police and an ambulance attended.
My friend was in the car himself and the third party driver had some passengers with her. She was crying because of what she done.
They told my friend it was a hire car.
My friend got some pictures of both cars but only the front of the other car which was smashed in so can't see the number plate.
The police took all the details as well from everyone involved.
The girl who was driving at the time gave my friend her mobile number just before he was taken to hospital.
He reported all this to his insurance company. He's spoken with the police again and they said they are going to charge her for driving with undue car and attention.
The problem my friend is having is she is no longer answering her telephone. So he only has her number and not her name or the cars registration. Both cars were recovered off the road. My friends was wrote off and the hire car looked worse so would imagine it is as well.
The police have all her details and the car she was driving's details.
When my friend asked for his information a couple of days later at the police station so his insurance company can progress the claim they told my friend they can't provide personal information such as this due to DPA. They said he should get his insurance to request it.
His insurance company are very reluctant to request this information from the police as there's a £500 charge for doing so and they're worried they might pay it and the other drive then tries to dispute the claim somehow. They're keen to put it down to an untraceable driver instead and record it as a fault claim against my friend.
Any advise? Sorry it's long winded, i just didn't want to leave out any information.
Friend was driving along a 30mph road at night, with right of way.
There was a car sitting further down the road waiting to turn onto a minor road.
As my friend drove towards it, they pulled onto his side of the road and caused an accident.
Both cars were badly damaged and my friend was hurt. A passer by called the police and an ambulance attended.
My friend was in the car himself and the third party driver had some passengers with her. She was crying because of what she done.
They told my friend it was a hire car.
My friend got some pictures of both cars but only the front of the other car which was smashed in so can't see the number plate.
The police took all the details as well from everyone involved.
The girl who was driving at the time gave my friend her mobile number just before he was taken to hospital.
He reported all this to his insurance company. He's spoken with the police again and they said they are going to charge her for driving with undue car and attention.
The problem my friend is having is she is no longer answering her telephone. So he only has her number and not her name or the cars registration. Both cars were recovered off the road. My friends was wrote off and the hire car looked worse so would imagine it is as well.
The police have all her details and the car she was driving's details.
When my friend asked for his information a couple of days later at the police station so his insurance company can progress the claim they told my friend they can't provide personal information such as this due to DPA. They said he should get his insurance to request it.
His insurance company are very reluctant to request this information from the police as there's a £500 charge for doing so and they're worried they might pay it and the other drive then tries to dispute the claim somehow. They're keen to put it down to an untraceable driver instead and record it as a fault claim against my friend.
Any advise? Sorry it's long winded, i just didn't want to leave out any information.
Edited by Retroman on Sunday 25th October 16:09
I think i seen a post the other day from Loon and he and AGTLaw are going to stay away from this part of the forums for a while.
This is up in Scotland and the first i've heard about the £500 charge. It's his insurance company who have advised him about the charge so not sure where it's generated or if it's even true. Just all seems a bit crazy to me.
This is up in Scotland and the first i've heard about the £500 charge. It's his insurance company who have advised him about the charge so not sure where it's generated or if it's even true. Just all seems a bit crazy to me.
Not sure about the rest of UK but Police Scotland charge insurance companies and solicitors for providing copies of accident reports. The current fee is about £90 for a basic collision report.
A charge of £500 would be for a full collision report following a serious RTC. That won't be the case for the accident you describe.
Insurance companies often request individuals involved in a collision obtain a copy of the report as they don't want to pay the fee.
Cat
A charge of £500 would be for a full collision report following a serious RTC. That won't be the case for the accident you describe.
Insurance companies often request individuals involved in a collision obtain a copy of the report as they don't want to pay the fee.
Cat
In LoonR1's absence, I have to say that story sounds like complete b
ks.
Note that, unlike him, I'm not saying it isn't true, but just that it sounds untrue.
1) £500 to get the details seems ridiculous.
2) Why on earth would the insurance company just want to suck it up rather than have the 3rd party's insurer pay? As it was a hire car, it's not even likely it would be the same insurer on both vehicles.
3) Would a presumably quite new hire car really be written off by hitting the side of another car from a standing start?
ks.Note that, unlike him, I'm not saying it isn't true, but just that it sounds untrue.
1) £500 to get the details seems ridiculous.
2) Why on earth would the insurance company just want to suck it up rather than have the 3rd party's insurer pay? As it was a hire car, it's not even likely it would be the same insurer on both vehicles.
3) Would a presumably quite new hire car really be written off by hitting the side of another car from a standing start?
His insurance company said verbally they will progress with the obtaining the report but thy seemed reluctant do so. They then sent him an email with a letter scanned out (not received physical copy yet) mentioning the claim with "untraceable driver". He's concerned they won't follow up with the police report.
When he called the police up at the station it was over the phone they said they can't provide details due to DPA. They were vague about it all so he's heading down tomorrow with the letter printed from his insurance and some ID in the hope he can at least get the registration and pass it to the insurance company.
Both cars were a right off somwhow. The damage was extreme. When the third party pulled out it meant the front end of their car touched my friends front end at the same time. My friends car got it most on one side with strut and wheel area taking most of it but the other car had its bumper headlights etc all mashed up. The alternator was ripped off as well from their he other car and that and other bits were all over the road. The resulting damage and the injury meant the road was closed off for quite a bit so that seems to be the incentive for the police charging the other driver
When he called the police up at the station it was over the phone they said they can't provide details due to DPA. They were vague about it all so he's heading down tomorrow with the letter printed from his insurance and some ID in the hope he can at least get the registration and pass it to the insurance company.
Both cars were a right off somwhow. The damage was extreme. When the third party pulled out it meant the front end of their car touched my friends front end at the same time. My friends car got it most on one side with strut and wheel area taking most of it but the other car had its bumper headlights etc all mashed up. The alternator was ripped off as well from their he other car and that and other bits were all over the road. The resulting damage and the injury meant the road was closed off for quite a bit so that seems to be the incentive for the police charging the other driver
Edited by Retroman on Sunday 25th October 15:24
PurpleMoonlight said:
Presumably the red car is your friends.
I'm struggling to see how the damage matches the description of events.
The 4x4 came out of a side road on the RH, turning left? Have to admit, it doesn't look written off from here.I'm struggling to see how the damage matches the description of events.
Oh, for one more photo, showing the rear plate...
The red Mazda 6 is my friends yes.
I'm only giving information as it's been passed to me. I wasn't there when it happened.
All i know is my friend was driving along the road with right of way and a third party came out a give way and crashed into him.
That and he doesn't have their details. The latter is what i was hoping to get advise on.
The verdict on my friends is it is a Cat B right off.
He and I have just assumed the third party car would be written off as the impact was bad enough to tear the alternator off the other car
I'm only giving information as it's been passed to me. I wasn't there when it happened.
All i know is my friend was driving along the road with right of way and a third party came out a give way and crashed into him.
That and he doesn't have their details. The latter is what i was hoping to get advise on.
The verdict on my friends is it is a Cat B right off.
He and I have just assumed the third party car would be written off as the impact was bad enough to tear the alternator off the other car
Edited by Retroman on Sunday 25th October 15:55
Mandat said:
By any chance, the hire car wasn't exiting from the Europcar place, seen in the background?
If so, could it have been hired from there?
Quite possible. There's a lot of hire car places around this bit of Glasgow and the girl said she was returning it before my friend got taken away in the ambulance. If so, could it have been hired from there?
If the insurance keep dragging their heels with getting the details from the police and the police keep refusing to give him the details he's going to drop into a few hire car places around there and ask them if any of their vehicles were involved in a crash on the date it happened.
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