How should I approach this?

[Racehorse]

Looking for some help and advice please.

was hit from behind by a person who apologised. The car had 2 reg numbers on, 1 of these (trade plate number) was inside the windscreen. When I asked the individual for insurance details and name they were relucant to give me them and in the end gave me the trade motor company details they were working for and first name along with mobile number for the motor company. I took plenty of pictures including one of the person who hit me. The individual told me the trade plate number was the one to go off.

When I rang my insurance company and reported it, I explained the 2 number plates part and gave both numbers along with explaining that the 3rd party works for car trader. I got a call saying they were struggling to find insurance details using reg and it is a foreign car. They had contacted the motor company and spoke to owner but the owner said they need the drivers consent to give details lol.
I explained to use the trade plate number to find insurance details. The insurance company had put me through to solicitors to deal with personal injury and the solicitors had found the insurance details using trade plate and provided insurance name and a claims contact. They also said they would email my car insurance company with these details.

The individual who hit me contacted my car insurance company and said wants to settle privately, they maybe going out of country and there is no insurance. When my car insurance company told me this, I explained I do not wish to settle privately and they need to contact and get insurance detaills. They rang individual back who said they would ask their friend and ring back with insurance details next day.

I am just confused why car insurance company cannot find insurance details when solicitors did themselves. I do not understand this foriegn car stuff either as the motor company he was driving for is based in UK anyway. Also why would they ask a friend for insurance details

[finlo]

West Yorkshire?

[finlo]

Was suspecting dodgy Bradford outfit.

[InitialDave]

I would continue as you are, through your own insurance company, don't get dragged into the quagmire of the other driver "sorting it themselves" (they almost certainly won't).

It may take a long time to all get closed out, however.

[Racehorse]

InitialDave said:

I would continue as you are, through your own insurance company, don't get dragged into the quagmire of the other driver "sorting it themselves" (they almost certainly won't).

It may take a long time to all get closed out, however.

Why are insurance struggling so much to find insurance details

[Racehorse]

finlo said:

Was suspecting dodgy Bradford outfit.

Ah ok. Any advice?

[InitialDave]

Racehorse said:

Why are insurance struggling so much to find insurance details

Probably looking for a normal policy in the same name as the person who hit you.

Rather than a trade policy.

I suspect a chunk of very linear/scripted actions carried out without any opportunity for deviation to "process" things, and giving up at the first inkling of a Computer Says No situation.

[Earthdweller]

If he hasn't given you satisfactory details it's a police matter as it's classed as a fail to stop Collision .. therefore it is a reportable collision

The Trade plates supersede the vehicle plates and the insurance for the trade will be the one liable .. the car itself may not, indeed is quite probably not insured in its own right

There is also a an offence of failing to display the trade plate correctly

Report it to your local police force and let them chase it

[Racehorse]

InitialDave said:

Racehorse said:

Why are insurance struggling so much to find insurance details

Probably looking for a normal policy in the same name as the person who hit you.

Rather than a trade policy.

I suspect a chunk of very linear/scripted actions carried out without any opportunity for deviation to "process" things, and giving up at the first inkling of a Computer Says No situation.

When I had a look at the car reg plate on DVLA it was not taxed. The insurance company used car reg plate and said it was not insured.

It was at this point I said why are not using trade plate to find insurance.

Im guessing solicitors have a better database so were able to find?

[Racehorse]

Earthdweller said:

If he hasn't given you satisfactory details it's a police matter as it's classed as a fail to stop Collision .. therefore it is a reportable collision

The Trade plates supersede the vehicle plates and the insurance for the trade will be the one liable .. the car itself may not, indeed is quite probably not insured in its own right

There is also a an offence of failing to display the trade plate correctly

Report it to your local police force and let them chase it

Where is the trade plate meant to be? This one was inside the car windscreen

[InitialDave]

Racehorse said:

When I had a look at the car reg plate on DVLA it was not taxed. The insurance company used car reg plate and said it was not insured.

It was at this point I said why are not using trade plate to find insurance.

Im guessing solicitors have a better database so were able to find?

I suspect they just have either a better attitude to it, or are less railroaded by "this is how you process a claim" internal procedures.

[Earthdweller]

Racehorse said:

Earthdweller said:

If he hasn't given you satisfactory details it's a police matter as it's classed as a fail to stop Collision .. therefore it is a reportable collision

The Trade plates supersede the vehicle plates and the insurance for the trade will be the one liable .. the car itself may not, indeed is quite probably not insured in its own right

There is also a an offence of failing to display the trade plate correctly

Report it to your local police force and let them chase it

Where is the trade plate meant to be? This one was inside the car windscreen

It's supposed to be affixed to the exterior of the vehicle front and rear

Lazy delivery drivers don't bother and stick one in the windscreen and frequently don't bother with the rear one

That is an offence of failing to properly display the trade plates

The vehicle doesn't need to be taxed, insured or MOT'd if it's being driven on trade plates but it does need to be roadworthy

Edited by Earthdweller on Wednesday 28th January 19:43

[Racehorse]

InitialDave said:

Racehorse said:

When I had a look at the car reg plate on DVLA it was not taxed. The insurance company used car reg plate and said it was not insured.

It was at this point I said why are not using trade plate to find insurance.

Im guessing solicitors have a better database so were able to find?

I suspect they just have either a better attitude to it, or are less railroaded by "this is how you process a claim" internal procedures.

Thanks that probable.

Why do they keep saying foreign car? Even if it is foreign car its being driven on uk road by trader so whats foreign aspect got to do with anything

[Earthdweller]

Racehorse said:

Thanks that probable.

Why do they keep saying foreign car? Even if it is foreign car its being driven on uk road by trader so whats foreign aspect got to do with anything

It doesn't matter if the car is U.K. registered, foreign registered or unregistered (new/import yet to be reg)

The insurance and identity it is being driven on and insured under is the trade policy which can be identified by the number on the trade plate which is unique just like a normal plate and registered to the trade user it was issued to

[Racehorse]

Earthdweller said:

Racehorse said:

Thanks that probable.

Why do they keep saying foreign car? Even if it is foreign car its being driven on uk road by trader so whats foreign aspect got to do with anything

It doesn't matter if the car is U.K. registered, foreign registered or unregistered (new/import yet to be reg)

The insurance and identity it is being driven on and insured under is the trade policy which can be identified by the number on the trade plate which is unique just like a normal plate and registered to the trade user it was issued to

Thanks how on earth do insurance company claim agent not know this. She kept saying its a foreign car

[Strangely Brown]

Racehorse said:

Earthdweller said:

Racehorse said:

Thanks that probable.

Why do they keep saying foreign car? Even if it is foreign car its being driven on uk road by trader so whats foreign aspect got to do with anything

It doesn't matter if the car is U.K. registered, foreign registered or unregistered (new/import yet to be reg)

The insurance and identity it is being driven on and insured under is the trade policy which can be identified by the number on the trade plate which is unique just like a normal plate and registered to the trade user it was issued to

Thanks how on earth do insurance company claim agent not know this. She kept saying its a foreign car

Because she is very poorly trained and does not know her job. If this is your insurance company escalate it and get someone competent to chase it.

[stevemcs]

We used to have to list the trade plates on the MID, trade plates cover road tax only.

[Earthdweller]

stevemcs said:

We used to have to list the trade plates on the MID, trade plates cover road tax only.

That's incorrect ... it's an insurance policy h which negates the need for MOT/RFL

The trade plate is linked to the trade insurance policy

[stevemcs]

Seems to indicate mot is required ?

[M4cruiser]

I'm guessing the trade plate number looks like a foreign plate, i.e. the arrangement of letters and numbers isn't the UK one of AB21XYZ, but could be A12NR3CT which could be a legal plate in Russia or somewhere.
The person saying it's foreign doesn't know what trade plates are.