Finding registered keeper of a vehicle.
Discussion
KungFuPanda said:
Just a bit of an update.
No, my car isn't insured on a third party basis. It is in fact insured fully comp. I only wrote that it was insured on a third party basis to stop people recommending that I merely claim on my own insurance. Yes, I know I can do that but I would have preferred to pay for my own damage if I had no joy with the third party.
Well, armed with just a registration number and description of the third party vehicle, I reported the matter to the Police last Sunday. After a MID search, I called the third party insurer to report the matter with them on Monday. After a couple of hours, they called back to say that their client denies liability. Even though their client admits using that car park, they deny hitting my vehicle.
Before approaching the car park for CCTV, I called the third party insurer again on Thursday to get the finer details of the client's denial of liability. They advised they would take their client's instructions.
I get a call this morning from the third party insurer advising that their client has cleaned their car and noticed damage to the front nearside wing area. She also admits being at the car park on the day the damage occurred. They are therefore willing to deal with my claim and have provided an email to that effect.
They will either arrange for their own garage to repair my car or approve a quote from my own garage. Whilst my car is off the road, they will also provide a like for like hire vehicle. For a week's messing around, I'm tempted to penalise them by going to an AMC and getting a like for like A8 at £280 a day. But then again, maybe not...
Going into like-for-like credit hire through some bandits at an extortionate daily rate is what costs us all heavily on our insurance premiums, doing it out of spite would be ridiculously petty.No, my car isn't insured on a third party basis. It is in fact insured fully comp. I only wrote that it was insured on a third party basis to stop people recommending that I merely claim on my own insurance. Yes, I know I can do that but I would have preferred to pay for my own damage if I had no joy with the third party.
Well, armed with just a registration number and description of the third party vehicle, I reported the matter to the Police last Sunday. After a MID search, I called the third party insurer to report the matter with them on Monday. After a couple of hours, they called back to say that their client denies liability. Even though their client admits using that car park, they deny hitting my vehicle.
Before approaching the car park for CCTV, I called the third party insurer again on Thursday to get the finer details of the client's denial of liability. They advised they would take their client's instructions.
I get a call this morning from the third party insurer advising that their client has cleaned their car and noticed damage to the front nearside wing area. She also admits being at the car park on the day the damage occurred. They are therefore willing to deal with my claim and have provided an email to that effect.
They will either arrange for their own garage to repair my car or approve a quote from my own garage. Whilst my car is off the road, they will also provide a like for like hire vehicle. For a week's messing around, I'm tempted to penalise them by going to an AMC and getting a like for like A8 at £280 a day. But then again, maybe not...
That said, I'm glad it was a positive outcome and you should be too. It could have ended considerably worse.
ConnorW said:
Going into like-for-like credit hire through some bandits at an extortionate daily rate is what costs us all heavily on our insurance premiums, doing it out of spite would be ridiculously petty.
That said, I'm glad it was a positive outcome and you should be too. It could have ended considerably worse.
Hitting my car, driving off, not leaving any details and then only admitting liability once facing pressure from her own insurer is not only immoral but illegal. That said, I'm glad it was a positive outcome and you should be too. It could have ended considerably worse.
I have the option open to me of taking a vehicle on credit hire. The rate of £280 per day is the rate agreed by the Association of British Insurers in a written agreement with subscribing CHO's.
elanfan said:
Now teach them a lesson and report them for leaving the scene of an accident, failing to exchange details etc. Maybe it might teach them a lesson as they obviously thought they'd get away with it!
I already reported the matter to the Police the day after it happened. Hopefully, they will pay her a visit.Edited by KungFuPanda on Saturday 29th July 15:38
KungFuPanda said:
Hitting my car, driving off, not leaving any details and then only admitting liability once facing pressure from her own insurer is not only immoral but illegal.
I have the option open to me of taking a vehicle on credit hire. The rate of £280 per day is the rate agreed by the Association of British Insurers in a written agreement with subscribing CHO's.
You seem to be wanting to justify that car hire.... the cost of it won't come out of her pocket, it'll be shouldered by her insurance company (who is blameless) in this, and the rest of us.I have the option open to me of taking a vehicle on credit hire. The rate of £280 per day is the rate agreed by the Association of British Insurers in a written agreement with subscribing CHO's.
If you truly do need a replacement car I'd suggest speaking to her insurance company and seeing if they will accommodate you. I'm sure they'd be keen to avoid the £280/day, even if that figure has been approved by the ABI.
I'm not going to but I won't be dictated to by other PHers as to why I should or shouldn't go to a CHO. What about Annie's Dad on here? People have been singing his praises in the past and he provides cars on credit.
This whole incident has pissed me off no end. Being on here means that I'm one of those people that takes pride in my car and don't see it as merely white goods.
This whole incident has pissed me off no end. Being on here means that I'm one of those people that takes pride in my car and don't see it as merely white goods.
KungFuPanda said:
I'm not going to but I won't be dictated to by other PHers as to why I should or shouldn't go to a CHO. What about Annie's Dad on here? People have been singing his praises in the past and he provides cars on credit.
This whole incident has pissed me off no end. Being on here means that I'm one of those people that takes pride in my car and don't see it as merely white goods.
No one is dictating anything to you. Just pointing out that if your intention is to inflict some kind of financial injury on the person who hit you by means of taking out a disproportionate credit hire agreement, then it's misplaced since she won't be the one paying for it. The fact you mentioned it twice seemed to suggest (to me anyway) that you were seeking validation to go ahead and do it, and that you were looking at this event as some kind of serendipitous opportunity to score a fancy car for your troubles.This whole incident has pissed me off no end. Being on here means that I'm one of those people that takes pride in my car and don't see it as merely white goods.
Each to their own of course but I don't personally seek to cause an undue financial burden on anyone who isn't directly responsible for injuring me (in this case the third party's insurance company). I know there are a lot of people out there (not saying you are) who think of these things along the lines of "everyone else does it, why not me?", but I don't subscribe to that attitude.
KungFuPanda said:
For a week's messing around, I'm tempted to penalise them by going to an AMC and getting a like for like A8 at £280 a day...
Eh? A week's "messing around"? They called their client, she denied it. She then realised it was likely she HAD actually hit your car, admitted as much to her insurance company who are now happy to pay out. Where have you been messed around? The insurance company can only go on a he said/she said scenario and as for her, it IS possible she genuinely didn't realise.
Some companies do need a kick in the balls occasionally, this doesn't sound like one of those.
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