Rear-ended - No reg plate - Fault claim?!
Discussion
Hi PH,
Hoping to gain some clarity on this issue...
So, early this morning my girlfriend was stationary (and indicating) to turn right at a T-junction when she was rear-ended... The driver got out of his vehicle, apologised and admitted fault (audio recorded on my girlfriends front-facing dash cam), agreed to exchange details and asked her to pull over. As she is reversing, he waits for a few seconds before driving off to the left, meaning she missed his reg plate on the front-facing dash cam unfortunately... However, she did remember that it was a Silver Ford Kuga with the MA16XXX reg plate.
She tried to follow him but he erratically overtakes multiple cars and disappears into the distance (again, recorded on dash cam but too distant to make out the reg plate).
She contacted her insurance to inform them as well as the Police - The Police are "investigating", given her an incident number and say there have been no sightings on ANPR/traffic cameras - A house opposite the junction has the whole thing on CCTV, however, again, no reg plate or clear view of the driver up-close...
Her insurer are saying that as she can't provide a registration then it will be treated as a fault claim on her behalf - How is this possible with the evidence she has? By that logic, if you woke up to see your car has been written off overnight, you obviously have no reg plate to provide, is that your fault? SURELY NOT!
So, let's assume it does have to be treated as a fault claim (which is completely ridiculous)... Because she has informed her insurer of the accident, if she decides to fix the car without going through them (as it's cheaper than her excess) will she lose her NCB? Basically, what will she have to do come renewal time assuming they say it's her fault?
Hoping to gain some clarity on this issue...
So, early this morning my girlfriend was stationary (and indicating) to turn right at a T-junction when she was rear-ended... The driver got out of his vehicle, apologised and admitted fault (audio recorded on my girlfriends front-facing dash cam), agreed to exchange details and asked her to pull over. As she is reversing, he waits for a few seconds before driving off to the left, meaning she missed his reg plate on the front-facing dash cam unfortunately... However, she did remember that it was a Silver Ford Kuga with the MA16XXX reg plate.
She tried to follow him but he erratically overtakes multiple cars and disappears into the distance (again, recorded on dash cam but too distant to make out the reg plate).
She contacted her insurance to inform them as well as the Police - The Police are "investigating", given her an incident number and say there have been no sightings on ANPR/traffic cameras - A house opposite the junction has the whole thing on CCTV, however, again, no reg plate or clear view of the driver up-close...
Her insurer are saying that as she can't provide a registration then it will be treated as a fault claim on her behalf - How is this possible with the evidence she has? By that logic, if you woke up to see your car has been written off overnight, you obviously have no reg plate to provide, is that your fault? SURELY NOT!
So, let's assume it does have to be treated as a fault claim (which is completely ridiculous)... Because she has informed her insurer of the accident, if she decides to fix the car without going through them (as it's cheaper than her excess) will she lose her NCB? Basically, what will she have to do come renewal time assuming they say it's her fault?
I'm not an insurance pro (but I have car insurance like most of us), and my understanding is that the insurance company (by saying 'at fault claim') is basically saying 'there is nobody else we can make a claim from'. Also having had an accident, the financial implications (to the annual premium) will likely be the same whether the repairs are paid for by the insurance company or by the policy holder - it's the risk that's being insured against, and the policy holder (albeit through no fault of their own) is now deemed more risky that before the accident. Always seems a poor show to me (especially if someone else is to blame) but that's how it is. Hope the other driver is found.
95JO said:
Hi PH,
Hoping to gain some clarity on this issue...
So, early this morning my girlfriend was stationary (and indicating) to turn right at a T-junction when she was rear-ended... The driver got out of his vehicle, apologised and admitted fault (audio recorded on my girlfriends front-facing dash cam), agreed to exchange details and asked her to pull over. As she is reversing, he waits for a few seconds before driving off to the left, meaning she missed his reg plate on the front-facing dash cam unfortunately... However, she did remember that it was a Silver Ford Kuga with the MA16XXX reg plate.
She tried to follow him but he erratically overtakes multiple cars and disappears into the distance (again, recorded on dash cam but too distant to make out the reg plate).
She contacted her insurance to inform them as well as the Police - The Police are "investigating", given her an incident number and say there have been no sightings on ANPR/traffic cameras - A house opposite the junction has the whole thing on CCTV, however, again, no reg plate or clear view of the driver up-close...
Her insurer are saying that as she can't provide a registration then it will be treated as a fault claim on her behalf - How is this possible with the evidence she has? By that logic, if you woke up to see your car has been written off overnight, you obviously have no reg plate to provide, is that your fault? SURELY NOT!
So, let's assume it does have to be treated as a fault claim (which is completely ridiculous)... Because she has informed her insurer of the accident, if she decides to fix the car without going through them (as it's cheaper than her excess) will she lose her NCB? Basically, what will she have to do come renewal time assuming they say it's her fault?
There are two different considerations.Hoping to gain some clarity on this issue...
So, early this morning my girlfriend was stationary (and indicating) to turn right at a T-junction when she was rear-ended... The driver got out of his vehicle, apologised and admitted fault (audio recorded on my girlfriends front-facing dash cam), agreed to exchange details and asked her to pull over. As she is reversing, he waits for a few seconds before driving off to the left, meaning she missed his reg plate on the front-facing dash cam unfortunately... However, she did remember that it was a Silver Ford Kuga with the MA16XXX reg plate.
She tried to follow him but he erratically overtakes multiple cars and disappears into the distance (again, recorded on dash cam but too distant to make out the reg plate).
She contacted her insurance to inform them as well as the Police - The Police are "investigating", given her an incident number and say there have been no sightings on ANPR/traffic cameras - A house opposite the junction has the whole thing on CCTV, however, again, no reg plate or clear view of the driver up-close...
Her insurer are saying that as she can't provide a registration then it will be treated as a fault claim on her behalf - How is this possible with the evidence she has? By that logic, if you woke up to see your car has been written off overnight, you obviously have no reg plate to provide, is that your fault? SURELY NOT!
So, let's assume it does have to be treated as a fault claim (which is completely ridiculous)... Because she has informed her insurer of the accident, if she decides to fix the car without going through them (as it's cheaper than her excess) will she lose her NCB? Basically, what will she have to do come renewal time assuming they say it's her fault?
1) She has been involved in an accident.
2) She may make a claim.
Being involved in an accident doesn't result in you losing NCB, making claims can (even if you have protected NCB provided you've made enough claims as per policy).
Being involved in an accident affects you as a future insurable risk, so it can result in your premium increasing even if you didn't make a claim from it.
A non fault accident can still result in an increased insurable risk, but an at fault accident is likely to result in a higher increase in insurable risk than a non fault accident.
So
She's informed them she's had an accident.
If she doesn't make a claim & fixes it herself it will not affect NCB (provided of course this bloke doesn't turn up claiming she reversed into him).
The insurance company, on the facts & in absence of anything to the contrary, will record the accident as a non fault collision no claim made.
For future renewals she has to declare the non fault accident & it 'may' affect her premium a bit.
Edited by vonhosen on Thursday 15th August 22:49
95JO said:
I was under the impression that this type of hit and run would be treated similarly to an uninsured driver accident?
i.e. The insurers waive the excess (in most cases) and deem it a non-fault, retain NCB etc etc...
I don't think any of that is normally correct. Some insurers may treat it like that, but it's not standard.i.e. The insurers waive the excess (in most cases) and deem it a non-fault, retain NCB etc etc...
InitialDave said:
Can you upload what footage you do have via Youtube or something? Maybe someone more eagle-eyed can wok it out.
Even if you can only work out one letter, that leaves two unknowns rather than three, changes it to a few hundred possible permutations rather than over ten thousand.
Can’t be that many silver Kugas starting MA16... would the police not be able to look this up, after all a crime would appear to have been committed.Even if you can only work out one letter, that leaves two unknowns rather than three, changes it to a few hundred possible permutations rather than over ten thousand.
abzmike said:
InitialDave said:
Can you upload what footage you do have via Youtube or something? Maybe someone more eagle-eyed can wok it out.
Even if you can only work out one letter, that leaves two unknowns rather than three, changes it to a few hundred possible permutations rather than over ten thousand.
Can’t be that many silver Kugas starting MA16... would the police not be able to look this up, after all a crime would appear to have been committed.Even if you can only work out one letter, that leaves two unknowns rather than three, changes it to a few hundred possible permutations rather than over ten thousand.
Sebring440 said:
Pericoloso said:
I doubt there's enough staff time available to input 100s of possible reg plate combinations.
Seriously?Do you not understand how computers, databases, searches, etc, work?
I could see a person sitting at a computer inputting MA16 A?? over and over until he found a Kuga.
Sorry for not knowing everything.
Yeah, they use 24 of the 26 letters in the three digits of that number plate format (I and Q unused). That's 13,824 potential combinations, but if you know one letter for sure, that drops to only 576 combinations.
You can easily knock out a list of all these combinations as MA16*** plates. If you had access to the DVLA database, it'd be a piece of piss to run a list of all suitable cars.
You might be able to screen-scrape a website to get a list of everything.
Or you might get lucky by searching for "Ford Kuga MA16", seeing what plates that gets you in dealer ads etc, and then checking plates nearby in that series (similar cars tend to be registered in batches).
Doing that last one, for instance, I can tell you that MA16PVZ is indeed a silver Ford Kuga... But there is absolutely nothing to say it's that Ford Kuga.
You can easily knock out a list of all these combinations as MA16*** plates. If you had access to the DVLA database, it'd be a piece of piss to run a list of all suitable cars.
You might be able to screen-scrape a website to get a list of everything.
Or you might get lucky by searching for "Ford Kuga MA16", seeing what plates that gets you in dealer ads etc, and then checking plates nearby in that series (similar cars tend to be registered in batches).
Doing that last one, for instance, I can tell you that MA16PVZ is indeed a silver Ford Kuga... But there is absolutely nothing to say it's that Ford Kuga.
Pericoloso said:
No I don't ,obviously.
I could see a person sitting at a computer inputting MA16 A?? over and over until he found a Kuga.
Sorry for not knowing everything.
It's not quite typewriters or Windows 3.1 these days old man. I'm not an IT guy but even I know it'll be very easy to do a search in the database - MA16A**, filter for Ford, Kuga, Silver. Out of the 676 possible combinations that would result, I would imagine there would be very few silver Ford Kugas, and even fewer registered in the general area of the incident that would be the first avenues of investigation.I could see a person sitting at a computer inputting MA16 A?? over and over until he found a Kuga.
Sorry for not knowing everything.
The Police could do a VODS check using the partial reg, make model and colour. It may reveal a dozen or so matches.
But would they then have to visit and inspect all the possible matches?
What if the offending car has already been repaired?
Some may be leased or company cars, not located at the registered keepers address.
Was in fact the Kuga on cloned plates?
If it was a murder, they'd do all these enquiries.
For a hit and run accident, where the victim had insurance. Then no, they won't have the staff/time.
But would they then have to visit and inspect all the possible matches?
What if the offending car has already been repaired?
Some may be leased or company cars, not located at the registered keepers address.
Was in fact the Kuga on cloned plates?
If it was a murder, they'd do all these enquiries.
For a hit and run accident, where the victim had insurance. Then no, they won't have the staff/time.
Something like this
Also MA16 ZHM
sql said:
SELECT reg FROM cars WHERE reg LIKE '%MA16%' AND COLOR='silver' AND MAKE='ford' AND MODEL='kuga'
MA16 EPF is a silver ford kuga - but there are a fair amount of grey ford kugas (much more common than silver)Also MA16 ZHM
Edited by meatballs on Friday 16th August 00:38
95JO said:
Hi PH,
Hoping to gain some clarity on this issue...
So, early this morning my girlfriend was stationary (and indicating) to turn right at a T-junction when she was rear-ended... The driver got out of his vehicle, apologised and admitted fault (audio recorded on my girlfriends front-facing dash cam), agreed to exchange details and asked her to pull over. As she is reversing, he waits for a few seconds before driving off to the left, meaning she missed his reg plate on the front-facing dash cam unfortunately... However, she did remember that it was a Silver Ford Kuga with the MA16XXX reg plate.
She tried to follow him but he erratically overtakes multiple cars and disappears into the distance (again, recorded on dash cam but too distant to make out the reg plate).
She contacted her insurance to inform them as well as the Police - The Police are "investigating", given her an incident number and say there have been no sightings on ANPR/traffic cameras - A house opposite the junction has the whole thing on CCTV, however, again, no reg plate or clear view of the driver up-close...
Her insurer are saying that as she can't provide a registration then it will be treated as a fault claim on her behalf - How is this possible with the evidence she has? By that logic, if you woke up to see your car has been written off overnight, you obviously have no reg plate to provide, is that your fault? SURELY NOT!
So, let's assume it does have to be treated as a fault claim (which is completely ridiculous)... Because she has informed her insurer of the accident, if she decides to fix the car without going through them (as it's cheaper than her excess) will she lose her NCB? Basically, what will she have to do come renewal time assuming they say it's her fault?
Going by your utterly daft logic, anyone could smash there car up, half pissed, park it up overnight and then phone there insurers the next morning....Hoping to gain some clarity on this issue...
So, early this morning my girlfriend was stationary (and indicating) to turn right at a T-junction when she was rear-ended... The driver got out of his vehicle, apologised and admitted fault (audio recorded on my girlfriends front-facing dash cam), agreed to exchange details and asked her to pull over. As she is reversing, he waits for a few seconds before driving off to the left, meaning she missed his reg plate on the front-facing dash cam unfortunately... However, she did remember that it was a Silver Ford Kuga with the MA16XXX reg plate.
She tried to follow him but he erratically overtakes multiple cars and disappears into the distance (again, recorded on dash cam but too distant to make out the reg plate).
She contacted her insurance to inform them as well as the Police - The Police are "investigating", given her an incident number and say there have been no sightings on ANPR/traffic cameras - A house opposite the junction has the whole thing on CCTV, however, again, no reg plate or clear view of the driver up-close...
Her insurer are saying that as she can't provide a registration then it will be treated as a fault claim on her behalf - How is this possible with the evidence she has? By that logic, if you woke up to see your car has been written off overnight, you obviously have no reg plate to provide, is that your fault? SURELY NOT!
So, let's assume it does have to be treated as a fault claim (which is completely ridiculous)... Because she has informed her insurer of the accident, if she decides to fix the car without going through them (as it's cheaper than her excess) will she lose her NCB? Basically, what will she have to do come renewal time assuming they say it's her fault?
"Yes Admiral, it was hit whilst parked up last night whilst I was tucked up in bed"
See the problem here??
It sucks, but it's why you have insurance. Regardless of where blame is apportioned of whether or not you make a claim, being involved in an accident and undertaking your duty to inform insurers means your premiums would likely have risen in any case.
It feels like a big deal now, but in the grand scheme of things, it's not something worth stressing too much over.
It feels like a big deal now, but in the grand scheme of things, it's not something worth stressing too much over.
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