Insurance database for a claim

[phil_cardiff]

Not sure this is the right section but here goes...

A relative got hit on a roundabout, totally not his fault apparently. He took the person's name and address but didn't note down the reg number correctly, nor get her telephone number.

His insurance company have written to the 3rd party requesting details of her car, the accident etc but she hasn't replied in a month.

According to the address she gave me she lives near me and I could probably get her reg number based on the description of the car (distinctive). Would that actually help though? Could my Uncle's insurance company use this info to find her insurer and start claiming against them? Or is it a waste of time and this will be treated as an uninsured driver claim?

Thanks in advance.

[RoadToad84]

Yes, definitely worth doing. Reg number is the key

[phil_cardiff]

RoadToad84 said:

Yes, definitely worth doing. Reg number is the key

Thanks. Always wanted to be a PI!

[Captain_Morgan]

Once you have the reg this will advise the insurance status

https://askmid.com/

[phil_cardiff]

Captain_Morgan said:

Once you have the reg this will advise the insurance status

https://askmid.com/

Thanks. I shall go sleuthing tonight.

[andburg]

might not need to sleuth too hard

I ddi say google maps but it appears they blur the number plate

[phil_cardiff]

andburg said:

might not need to sleuth too hard

I ddi say google maps but it appears they blur the number plate

Yeah I did Google maps and found her car but no plate. Gives me hope for my recce.

[Turbobanana]

anonymous said:

[redacted]

You're doing it wrong. Big moustache, Hawaiian shirt and a red 308GTS.

[kestral]

phil_cardiff said:

Not sure this is the right section but here goes...

A relative got hit on a roundabout, totally not his fault apparently. He took the person's name and address but didn't note down the reg number correctly, nor get her telephone number.

His insurance company have written to the 3rd party requesting details of her car, the accident etc but she hasn't replied in a month.

According to the address she gave me she lives near me and I could probably get her reg number based on the description of the car (distinctive). Would that actually help though? Could my Uncle's insurance company use this info to find her insurer and start claiming against them? Or is it a waste of time and this will be treated as an uninsured driver claim?

Thanks in advance.

Your relative has got what they need. The name and address of the driver. The registration is not so important.

It goes. County Court claim on the name and address of driver.

Defendant receives County Court documents.

Defendant pass County Court documents to his insurance company or defends the claim himself.

No registration required.

The name and address of the driver IS the key.

You don't sue a car.

[TwigtheWonderkid]

kestral said:

Your relative has got what they need. The name and address of the driver. The registration is not so important.

It goes. County Court claim on the name and address of driver.

Defendant receives County Court documents.

Defendant pass County Court documents to his insurance company or defends the claim himself.

No registration required.

The name and address of the driver IS the key.

You don't sue a car.

But Op's relative has passed it to their insurers. Who have written to TP but got no reply. A reg number will enable the insurers to find out who the TP's insurers are and go directly to them. So the reg number is key. The OP's relative should not be undermining their insurer by getting them involved in the claim and then suing the tp themselves.

[kestral]

TwigtheWonderkid said:

But Op's relative has passed it to their insurers. Who have written to TP but got no reply. A reg number will enable the insurers to find out who the TP's insurers are and go directly to them. So the reg number is key. The OP's relative should not be undermining their insurer by getting them involved in the claim and then suing the tp themselves.

The thing is the OP's relative don't know if the car is insured.

The root of all insurance claims is having the name and address of the driver who was negligent. That is the key. If there is an insurance policy on the car we do not know that,then the OP'S relatives can try and approach the negligent person's insurers. But even then it is possible that for some reason the insurer may not pay out. So the OP is back to square one. The driver is always the person who is sued, the insurer just pays out by indemnity IF it chooses to. I expect you of all people to know that.

[TwigtheWonderkid]

kestral said:

TwigtheWonderkid said:

But Op's relative has passed it to their insurers. Who have written to TP but got no reply. A reg number will enable the insurers to find out who the TP's insurers are and go directly to them. So the reg number is key. The OP's relative should not be undermining their insurer by getting them involved in the claim and then suing the tp themselves.

The thing is the OP's relative don't know if the car is insured.

The root of all insurance claims is having the name and address of the driver who was negligent. That is the key. If there is an insurance policy on the car we do not know that,then the OP'S relatives can try and approach the negligent person's insurers. But even then it is possible that for some reason the insurer may not pay out. So the OP is back to square one. The driver is always the person who is sued, the insurer just pays out by indemnity IF it chooses to. I expect you of all people to know that.

That's true, but they aren't answering the letters. If we can get a reg number, and if the car is insured, the OP's relative's insurers can go direct to tp insurers. The tp insurers can then write to the tp telling them they've been accused of causing damage and asking for an accident report. Makes it a lot harder for the tp to ignore.

[e21Keith]

But how do you prove you were involved in an accident with the 3rd party if you don't even have the correct registration number of their car?

The other party could just cry "identity theft" and coming up with the correct registration number now, having already given a wrong one, not sure how that helps.

Sorry if I'm being cynical, but if they haven't replied to letters so far, they seem to be trying to get away with it!