Car hit whilst parked

[Jamie VTS]

Hi folks,

I’m currently on holiday and have been informed that my car has been hit whilst parked in my space behind my house. A neighbour whitnessed it and took photos of the damage and also recorded the reg number of the car who did it. They didn’t stop or leave a note. I have seen the car before and believe they visit my steeet quite frequently.

I’m stumped as to what course of action I should take. I don’t want to be out of pocket with my insurers through increased premiums in the future but I also don’t want to pay out of my pocket to repair something that’s totally not my fault.

Any advice would be much appreciated!

Thanks,

Jamie

[anonymous-user]

report 101
report to insurance.(let them sort it or a third party)

unfortunately someone who bumps and drives off ain't going to help. It will cost you unfortunately.

[Peter911]

Quite rightly as above contact the police.

Get the third party insurance detailed from AskMID and contact the third party insurers
directly.

Inform your own insurers for information only.

[Jamie VTS]

Their insurance company is the same as mine (direct line)

Let’s say it’s £200 worth of damage (ball park figure). My excess is £350. I’m concerned that it will affect my premium moving forward.

[anonymous-user]

Jamie VTS said:

Their insurance company is the same as mine (direct line)

Let’s say it’s £200 worth of damage (ball park figure). My excess is £350. I’m concerned that it will affect my premium moving forward.

it will, but not a lot I've found.

[Jamie VTS]

Thanks all for the advice! It’s certainly spoilt my day on holiday!!

[Andehh]

Meh, went through exactly the same. Police recorded it, did nothing.

Rang my insurance company, explained it all, gave them witnesses details. Got a call couple of day later, was put in touch with his insurance company (son driving), they handle it all very painlessly. Refuse accident management offer, took car to their local approved garage (used em before, liked them) got their st box hire car, 5 days later car back, all sorted. No problems.

Annoying, but really no biggie. Hell when my wife tried to write off two cars it really wasn't a big deal either. Insurance sorted it all, paid the excess (small enough so I wouldn't loose sleeping over It), and based off her recent renewal will prob cost us £1,000 over 5 years. Bargain!

Edit:worth noting, for my non fault...
HAD NO IMPACT ON MY RENEWALS.

Edited by Andehh on Sunday 19th August 18:51

[killerferret666]

As you don't want it to effect your insurance and you think they frequent your area. Try and catch a word when you're back. I don't know the damage but a parking bump is normally nothing super expensive.

If you can't catch a word, report it and let insurance deal with it. Or the other option can you live with the damage (sorry don't know if vehicle is new or old) if you don't want your insurance to go up a bit

[Jamie VTS]

2016 Audi A1. Not a super car but a nice car none the less.

Thanks again for all of the advice.

[Andehh]

Dude, just use your insurance. Not worth the hassle of trying to track them down & the stress of it when they tell you to fk off.

[kowalski655]

According to Winston Wolf on the ads,DL won't take your NCB if hit while parked.
They MAY increase the pre-NCB premium due to the accident but ifvthey insure the other guy and they pay up on his policy, that may be better

[anonymous-user]

Andehh said:

Dude, just use your insurance. Not worth the hassle of trying to track them down & the stress of it when they tell you to fk off.

+1 a hit and runner will string you along.

[Jamie VTS]

Thanks all for the comments. Will
Ring DL tomorrow morning. Happy Sunday all!

[TwigtheWonderkid]

Thesprucegoose said:

Jamie VTS said:

Their insurance company is the same as mine (direct line)

Let’s say it’s £200 worth of damage (ball park figure). My excess is £350. I’m concerned that it will affect my premium moving forward.

it will, but not a lot I've found.

It might, not will.

[anonymous-user]

TwigtheWonderkid said:

It might, not will.

my personal experience, two fault accidents it did, you seem to be picking up up on semantics , which is a pointless exercise.

[bones33]

My golf got hit whilst parked 1 month ago driver drove off no witness's damage of about 2k so I feel you. Going via my insurance cant be bothered with the extra hassle of trying to find the git that did it. That's why we have insurance for stuff like this. Sorry you had this but at least its only small damage.

[vitesse2000]

I was side swiped hit and run by an old builders Transit that jumped a set of roadworks traffic lights in Somerset a few years back, putting a dent in my OSR door - no dashcam footage but my daughter who was in the car got the reg no.

Passed it to my insurers, and made a police report. Police did bugger all. Insurers fixed the door, and then using the legal cover we pursued the Transit driver for over 2 years before liability was finally admitted (up until this point they denied even being there, not just the collision) .

All ended well, excess refunded, and to Hastings Direct credit my premiums weren’t affected for the 2 years of chasing.

Funnily enough, the key to to whole thing was that the van had blue livery painted on in a distinctive shade, and there was a small streak of this blue on the door mirror of my Honda from the collision - the door dent was from the grey plastic bumper so left no mark

Edited by vitesse2000 on Monday 20th August 09:34

[Pegscratch]

Thesprucegoose said:

my personal experience, two fault accidents it did, you seem to be picking up up on semantics , which is a pointless exercise.

Hang on, your argument is that his premium WILL increase from a non-fault claim because you had two fault claims that affected yours?

OP, it may not affect it at all. I had a non-fault claim. I don't know whether it actually made any difference but I don't imagine it did, as my premium dropped and my NCD was maxed out already.

[Hol]

Andehh said:

Meh, went through exactly the same. Police recorded it, did nothing.

Rang my insurance company, explained it all, gave them witnesses details. Got a call couple of day later, was put in touch with his insurance company (son driving), they handle it all very painlessly. Refuse accident management offer, took car to their local approved garage (used em before, liked them) got their st box hire car, 5 days later car back, all sorted. No problems.

Annoying, but really no biggie. Hell when my wife tried to write off two cars it really wasn't a big deal either. Insurance sorted it all, paid the excess (small enough so I wouldn't loose sleeping over It), and based off her recent renewal will prob cost us £1,000 over 5 years. Bargain!

Edit:worth noting, for my non fault...
HAD NO IMPACT ON MY RENEWALS.

Edited by Andehh on Sunday 19th August 18:51

When the wife's care was hit outside a friends without witnesses, I checked the local roads and found a vehicle with corresponding damage.

I walked in the local cop shop, spoke to uniformed officer and showed pictures of both cars with tape measure against the damage. Then i/we filled out a statement.

The next day, plod knocked on the owners door and he fessed up.

His insurance company collected our car and provided a courtesy car whilst it was being repaired.

So, in our case, they did something.

[TwigtheWonderkid]

Thesprucegoose said:

TwigtheWonderkid said:

It might, not will.

my personal experience, two fault accidents it did, you seem to be picking up up on semantics , which is a pointless exercise.

Not semantics. You gave him wrong info, and I corrected it.

You had 2 claims, and based on that you pronounce something as fact. Watford have won the first 2 games of the season. That does not make them invincible.