Car pranged, driver refused to give details

Car pranged, driver refused to give details

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Discussion

martinbiz

3,047 posts

144 months

Friday 25th May 2018
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WJNB said:
I would worry about giving my personal details home address etc to a belligerent maybe violent individual at an accident scene. How vulnerable foes that make me & my family to an unsolicited visit?
Should the occasion arise I'd report my actions to the police asap & risk prosecution with the defence that I felt threatened.
So you would start the whole process by lying at the beginning, seems a good way to gorolleyes

Flumpo

3,685 posts

72 months

Friday 25th May 2018
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WJNB said:
I would worry about giving my personal details home address etc to a belligerent maybe violent individual at an accident scene. How vulnerable foes that make me & my family to an unsolicited visit?
Should the occasion arise I'd report my actions to the police asap & risk prosecution with the defence that I felt threatened.
Totally agree, I’ve never had a crash, but depending on the other party I will give the basic details, nothing more.

They can have my name, reg, insurance company and maybe my phone number. I can’t see anyone being fussed about an address and I certainly wouldn’t give it out. To many scammers about.

Red Devil

13,055 posts

207 months

Saturday 26th May 2018
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Flumpo said:
WJNB said:
I would worry about giving my personal details home address etc to a belligerent maybe violent individual at an accident scene. How vulnerable foes that make me & my family to an unsolicited visit?
Should the occasion arise I'd report my actions to the police asap & risk prosecution with the defence that I felt threatened.
Totally agree, I’ve never had a crash, but depending on the other party I will give the basic details, nothing more.

They can have my name, reg, insurance company and maybe my phone number. I can’t see anyone being fussed about an address and I certainly wouldn’t give it out. To many scammers about.
The 'basic details' includes your address. See RTA 1988 Section 170(2).
You could of course decline to provide that at the scene and do so instead at a police station per 170(6).
Not sure how you think you could prevent the information becoming known to the TP though.
The issue of someone 'being fussed' is not in your gift to decide.

wildoliver

8,766 posts

215 months

Saturday 26th May 2018
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Don't forget the new scam where someone crashes in to you just to get your address!

Can't imagine why anyone would be fussed about your address either. What use would that be to someone needing to claim off your insurance and potentially having to write to you?

ElectricPics

761 posts

80 months

Saturday 26th May 2018
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Gavia said:
ElectricPics said:
Can of worms for the other party - in the event of admitting liability for an incident their policyholder failed to inform them of the insurer will have cancelled their policy and possibly even pursed them for the costs.
You’ve just made that up haven’t you?
No. It happened to the driver of a car that hit me while I was on my bike in 2016 - on a cycle path no less. My solicitors, Messrs. Sue, Grabbit & Run, started a personal injury claim with his insurer for a broken wrist with complications. As he ignored every letter from my solicitor and hadn't informed his insurer of the incident they cancelled his policy in line with their conditions, while still eventually accepting liability as he was insured up to the point of the incident.

Gavia

7,627 posts

90 months

Saturday 26th May 2018
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ElectricPics said:
Gavia said:
ElectricPics said:
Can of worms for the other party - in the event of admitting liability for an incident their policyholder failed to inform them of the insurer will have cancelled their policy and possibly even pursed them for the costs.
You’ve just made that up haven’t you?
No. It happened to the driver of a car that hit me while I was on my bike in 2016 - on a cycle path no less. My solicitors, Messrs. Sue, Grabbit & Run, started a personal injury claim with his insurer for a broken wrist with complications. As he ignored every letter from my solicitor and hadn't informed his insurer of the incident they cancelled his policy in line with their conditions, while still eventually accepting liability as he was insured up to the point of the incident.
That’s not grounds to cancel a policy, but putting that aside, it’s not what you asserted. You stated that his insurers would cancel his policy and the TP would be up st creek as they would pursue him for costs, which they can’t do if accepting liability.

ElectricPics

761 posts

80 months

Sunday 27th May 2018
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Gavia said:
ElectricPics said:
Gavia said:
ElectricPics said:
Can of worms for the other party - in the event of admitting liability for an incident their policyholder failed to inform them of the insurer will have cancelled their policy and possibly even pursed them for the costs.
You’ve just made that up haven’t you?
No. It happened to the driver of a car that hit me while I was on my bike in 2016 - on a cycle path no less. My solicitors, Messrs. Sue, Grabbit & Run, started a personal injury claim with his insurer for a broken wrist with complications. As he ignored every letter from my solicitor and hadn't informed his insurer of the incident they cancelled his policy in line with their conditions, while still eventually accepting liability as he was insured up to the point of the incident.
That’s not grounds to cancel a policy, but putting that aside, it’s not what you asserted. You stated that his insurers would cancel his policy and the TP would be up st creek as they would pursue him for costs, which they can’t do if accepting liability.
They've accepted liability to pay me, but apparently have written to him suggesting that they'll be after him for costs as he failed to meet the terms of his policy. I've never heard of anything like this before to be honest and there may be more to it that doesn't just concern the incident in question I suppose.

vonhosen

40,198 posts

216 months

Sunday 27th May 2018
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Doesn't have to be your home address, just an address you can be contacted at.

Gavia

7,627 posts

90 months

Sunday 27th May 2018
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ElectricPics said:
They've accepted liability to pay me, but apparently have written to him suggesting that they'll be after him for costs as he failed to meet the terms of his policy. I've never heard of anything like this before to be honest and there may be more to it that doesn't just concern the incident in question I suppose.
Sorry, but why would they share that info with you? It’s completely irrelevant to you and you have no right to know it.

They can’t cancel a policy for that reason alone either. They can cancel it if there are other reasons, but only after the accident and can’t chase him for costs, unless they’re cancelling the policy for non-disclosure, or something equally material. Again though, they wouldn’t share that info with you.

ElectricPics

761 posts

80 months

Sunday 27th May 2018
quotequote all
Gavia said:
ElectricPics said:
They've accepted liability to pay me, but apparently have written to him suggesting that they'll be after him for costs as he failed to meet the terms of his policy. I've never heard of anything like this before to be honest and there may be more to it that doesn't just concern the incident in question I suppose.
Sorry, but why would they share that info with you? It’s completely irrelevant to you and you have no right to know it.

They can’t cancel a policy for that reason alone either. They can cancel it if there are other reasons, but only after the accident and can’t chase him for costs, unless they’re cancelling the policy for non-disclosure, or something equally material. Again though, they wouldn’t share that info with you.
They didn't share it with me. Surely that's bleedin' obvious.

Gavia

7,627 posts

90 months

Sunday 27th May 2018
quotequote all
ElectricPics said:
Gavia said:
ElectricPics said:
They've accepted liability to pay me, but apparently have written to him suggesting that they'll be after him for costs as he failed to meet the terms of his policy. I've never heard of anything like this before to be honest and there may be more to it that doesn't just concern the incident in question I suppose.
Sorry, but why would they share that info with you? It’s completely irrelevant to you and you have no right to know it.

They can’t cancel a policy for that reason alone either. They can cancel it if there are other reasons, but only after the accident and can’t chase him for costs, unless they’re cancelling the policy for non-disclosure, or something equally material. Again though, they wouldn’t share that info with you.
They didn't share it with me. Surely that's bleedin' obvious.
Then how do you know? For clarity, they wouldn’t share it with your solicitors either.

WJNB

2,637 posts

160 months

Sunday 27th May 2018
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Red Devil said:
You could of course decline to provide that at the scene and do so instead at a police station per 170(6).
.
That's what I imagine I'd do but am aware come the moment .....

Rovinghawk

13,300 posts

157 months

Sunday 27th May 2018
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Flumpo said:
I can’t see anyone being fussed about an address and I certainly wouldn’t give it out.
I'm sorry but I disagree totally. If someone woudn't give their address under those circumstances I'd be massively suspicious & presume they're trying to wriggle out of any responsibility.

If they left without giving their address I'd do what I did the last time it happened- the other driver finished up in court & had the law explained by magistrates.

lyonspride

2,978 posts

154 months

Sunday 27th May 2018
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ukaskew said:
Thanks everyone. I forgot to mention that she thought 'it wasn't a problem as my car was old' (2008 Focus!).
That's probably why she just drove off "it's only an old shed, it doesn't matter, and the owner is beneath me in terms of social class".

ElectricPics

761 posts

80 months

Sunday 27th May 2018
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Gavia said:
Then how do you know? For clarity, they wouldn’t share it with your solicitors either.
The guy lives a few miles from me. We have mutual contacts. He's what I would generously describe as someone who operates his business and personal life on the fringes of legality. Perhaps even someone who regards telling the truth as a lifestyle choice.

Gavia

7,627 posts

90 months

Sunday 27th May 2018
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ElectricPics said:
Gavia said:
Then how do you know? For clarity, they wouldn’t share it with your solicitors either.
The guy lives a few miles from me. We have mutual contacts. He's what I would generously describe as someone who operates his business and personal life on the fringes of legality. Perhaps even someone who regards telling the truth as a lifestyle choice.
Ah right, so you got the information second or third hand and it has a much bigger back story, as I suggested, rather than the simple”don’t tell your insurer and they’ll cancel your policy” as you originally positioned it.

irc

7,166 posts

135 months

Tuesday 29th May 2018
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," if it wasn't for her appalling attitude I might have let it go"

For a minor scratch is it worth having an accident to declare at renewal time for the next few years? .