Small accident. Perp seemed decent but now gone awol
Discussion
V8fan said:
From OP: "We swapped details (name, phone and reg but not insurance)". Not getting the insurance details is the problem.
This will tell you if the car is insured, but you'll need somebody in the industry to find out the actual company:
https://www.ownvehicle.askmid.com/
Err, you can request insurance details directly on askmid.com, don't need an "insider". Not sure if the accident details are then available to your insurer though.This will tell you if the car is insured, but you'll need somebody in the industry to find out the actual company:
https://www.ownvehicle.askmid.com/
Slightly different from OP, but I had a similar incident many years ago.
Post incident the chap admitted fault and offered to pay cash. I took his number and reg and we had a few conversations about the best route. I said I would repair it and it would be £350. He said he wasnt paying that as he had a mate that would do it. I told him either I do it at that price or insurance (damaged a road wheel, rear bumper and panel behind bumper.
It ends up I go through my insurance after the quote comes to £650.
I inform the other guy, who now has no leg to stand on as he offered me an amount (basically admitting fault)
But - my excess was £750 so my insurers wouldnt process the claim.
My broker then played the ace and used a 3rd party claims company against the other driver,
My insurance was not affected, got the claim sorted and paid out. His insurance company footed the bill and my car was repaired by a main dealer.
perhaps its worth looking into ??
Post incident the chap admitted fault and offered to pay cash. I took his number and reg and we had a few conversations about the best route. I said I would repair it and it would be £350. He said he wasnt paying that as he had a mate that would do it. I told him either I do it at that price or insurance (damaged a road wheel, rear bumper and panel behind bumper.
It ends up I go through my insurance after the quote comes to £650.
I inform the other guy, who now has no leg to stand on as he offered me an amount (basically admitting fault)
But - my excess was £750 so my insurers wouldnt process the claim.
My broker then played the ace and used a 3rd party claims company against the other driver,
My insurance was not affected, got the claim sorted and paid out. His insurance company footed the bill and my car was repaired by a main dealer.
perhaps its worth looking into ??
Vantagemech.. said:
Slightly different from OP, but I had a similar incident many years ago.
Post incident the chap admitted fault and offered to pay cash. I took his number and reg and we had a few conversations about the best route. I said I would repair it and it would be £350. He said he wasnt paying that as he had a mate that would do it. I told him either I do it at that price or insurance (damaged a road wheel, rear bumper and panel behind bumper.
It ends up I go through my insurance after the quote comes to £650.
I inform the other guy, who now has no leg to stand on as he offered me an amount (basically admitting fault)
But - my excess was £750 so my insurers wouldnt process the claim.
My broker then played the ace and used a 3rd party claims company against the other driver,
My insurance was not affected, got the claim sorted and paid out. His insurance company footed the bill and my car was repaired by a main dealer.
perhaps its worth looking into ??
How is he going to speak to his insurers when he's already renewed his policy recently stating that he's been involved in no accidents in the last 5 years?Post incident the chap admitted fault and offered to pay cash. I took his number and reg and we had a few conversations about the best route. I said I would repair it and it would be £350. He said he wasnt paying that as he had a mate that would do it. I told him either I do it at that price or insurance (damaged a road wheel, rear bumper and panel behind bumper.
It ends up I go through my insurance after the quote comes to £650.
I inform the other guy, who now has no leg to stand on as he offered me an amount (basically admitting fault)
But - my excess was £750 so my insurers wouldnt process the claim.
My broker then played the ace and used a 3rd party claims company against the other driver,
My insurance was not affected, got the claim sorted and paid out. His insurance company footed the bill and my car was repaired by a main dealer.
perhaps its worth looking into ??
Durzel said:
How is he going to speak to his insurers when he's already renewed his policy recently stating that he's been involved in no accidents in the last 5 years?
He doesnt use his insurers, he uses a 3rd party claim company.As in my situation, my excess meant my insurers wouldnt pursue the claim. Its easier for you to get your insurers to do it obviously, but its an option. Id guess the claim company would take a % for the claim.
RogerDodger said:
If you are not going to pursue the money I'd certainly not tell the insurer. It has sod all to do with them and will only increase your risk to them for a while. No way is the other guy going to report this to his.
Many "dereks" on here will wail about this like insurers are some kind of legal entity to which we must all bow down to.
I'd suck it up and move on. Unless £250 is a lot fo money to you.
Insurers are indeed legal entities. They are usually the type of legal entity known as a limited company. Many "dereks" on here will wail about this like insurers are some kind of legal entity to which we must all bow down to.
I'd suck it up and move on. Unless £250 is a lot fo money to you.
Telling a fib to an insurer is unwise. This is not because of any principle of deference. It is because being dishonest in relation to a financial transaction has been frowned upon by the law of all civilised countries since 97,000 BC.
The accident has a lot more than sod all to do with the insurer, because it is a factor in the assessment of risk. Insurance is a business that is all about the assessment of risk.
Those who do not appreciate these very simple concepts should feel free to go and live in caravans and cultivate an enthusiasm for dags.
(Notes that RogerDodger's PH user name is ... RogerDodger.)
Do I now obtain a derek badge?
OP, ring your insurer and come clean. Tell them you had a shunt but misunderstood the reporting obligation and did not mention this before. Say sorry. The insurer might say OK, do not do that again, keep calm and carry on. It might say pay some extra premium. It might bin the policy, and if it does that you could ask the Insurance Ombudsman to get the insurer to cut you some slack.
Policy binnage at this point might (I said might) be unlikely under the recently revised legislation on consumer insurance.
Better to 'fess up soon than to let the point hang there and potentially bite you on the bum later. If next week you have a big smash at the other end of the car, you claim for that, and the person who comes to check out the damage notices pre-existing damage or signs of repair at the other end of the car, a chain of enquiry might begin.
Policy binnage at this point might (I said might) be unlikely under the recently revised legislation on consumer insurance.
Better to 'fess up soon than to let the point hang there and potentially bite you on the bum later. If next week you have a big smash at the other end of the car, you claim for that, and the person who comes to check out the damage notices pre-existing damage or signs of repair at the other end of the car, a chain of enquiry might begin.
Breadvan72 said:
RogerDodger said:
If you are not going to pursue the money I'd certainly not tell the insurer. It has sod all to do with them and will only increase your risk to them for a while. No way is the other guy going to report this to his.
Many "dereks" on here will wail about this like insurers are some kind of legal entity to which we must all bow down to.
I'd suck it up and move on. Unless £250 is a lot fo money to you.
Insurers are indeed legal entities. They are usually the type of legal entity known as a limited company. Many "dereks" on here will wail about this like insurers are some kind of legal entity to which we must all bow down to.
I'd suck it up and move on. Unless £250 is a lot fo money to you.
Telling a fib to an insurer is unwise. This is not because of any principle of deference. It is because being dishonest in relation to a financial transaction has been frowned upon by the law of all civilised countries since 97,000 BC.
The accident has a lot more than sod all to do with the insurer, because it is a factor in the assessment of risk. Insurance is a business that is all about the assessment of risk.
Those who do not appreciate these very simple concepts should feel free to go and live in caravans and cultivate an enthusiasm for dags.
(Notes that RogerDodger's PH user name is ... RogerDodger.)
Do I now obtain a derek badge?
Volountarily telling you insurers about that kind of incident just makes you a mug.
Edited by anonymous-user on Thursday 21st November 08:44
By no means obvious, because of your failure to express yourself with clarity, and your possible misunderstanding of what the term "legal entity" means. Insert Inigo de Montoya meme here. BTW, "the police" are not a legal entity.
No comments on the dishonesty aspect? Hey, you do you.
Edit to respond to edit: "makes you a mug". Do you apply the same ethical standard to all of your financial dealings?
Maybe sell a car, and when the buyer asks if the car has ever been in an accident, say that it has not although you know that is has? Maybe apply for a job, and when asked if you have ever been thrown in jail, omit to mention that time when you absent mindedly did a ten year spree as a serial killer and had to do two weeks community service for it?
Morality aside, think of self interest. Telling fibs to insurers can be a thing that comes back to haunt you. You save a few quid on the premium, and then later lose a big chunk of money when the insurer is able to get out of paying for your written off car because of the penny-pinching fib. Who is a mug now?
No comments on the dishonesty aspect? Hey, you do you.
Edit to respond to edit: "makes you a mug". Do you apply the same ethical standard to all of your financial dealings?
Maybe sell a car, and when the buyer asks if the car has ever been in an accident, say that it has not although you know that is has? Maybe apply for a job, and when asked if you have ever been thrown in jail, omit to mention that time when you absent mindedly did a ten year spree as a serial killer and had to do two weeks community service for it?
Morality aside, think of self interest. Telling fibs to insurers can be a thing that comes back to haunt you. You save a few quid on the premium, and then later lose a big chunk of money when the insurer is able to get out of paying for your written off car because of the penny-pinching fib. Who is a mug now?
Edited by anonymous-user on Thursday 21st November 09:08
Breadvan72 said:
OP, ring your insurer and come clean. Tell them you had a shunt but misunderstood the reporting obligation and did not mention this before. Say sorry. The insurer might say OK, do not do that again, keep calm and carry on. It might say pay some extra premium. It might bin the policy, and if it does that you could ask the Insurance Ombudsman to get the insurer to cut you some slack.
Policy binnage at this point might (I said might) be unlikely under the recently revised legislation on consumer insurance.
Better to 'fess up soon than to let the point hang there and potentially bite you on the bum later. If next week you have a big smash at the other end of the car, you claim for that, and the person who comes to check out the damage notices pre-existing damage or signs of repair at the other end of the car, a chain of enquiry might begin.
I’d sadly not take Breadvan‘s wise advice. Sounds like a way to increase your premium for no real point. Yes yes, dodgy (with a small d - this isn’t a big deal, but fessing up could add hundreds over a few years as your “details” are loaded)Policy binnage at this point might (I said might) be unlikely under the recently revised legislation on consumer insurance.
Better to 'fess up soon than to let the point hang there and potentially bite you on the bum later. If next week you have a big smash at the other end of the car, you claim for that, and the person who comes to check out the damage notices pre-existing damage or signs of repair at the other end of the car, a chain of enquiry might begin.
If they are ignoring you now & you have no address, I’d take it as a life lesson......it’s effectively a scratch you’re fixing yourself.
If you can, try to offer to go with them to try to recoup some.....or, as someone said, tell them you’ve got it done for £175 but would accept £125. But I wouldn’t make a toothless threat about going through insurance.
Either way, you can move on, and if the former, karma will bite their the future.
& next time.....get photos, a short video clip of them agreeing to pay....and INSURANCE details.
Fraud always has a big F. But, as you say, all the scumbags are those proles over there. We posh middle class motorists would never do F word stuff. Have you seen my latest Porsche with the megabucks optional megabrakes? I said on the finance form that my bonus this year was bigger than France.
Torquey said:
I'd just text the person one last time to say you are passing it onto his insurance company since there has been no contact.
If he responds you may get your £250 if he doesn't then live with the scratch or get it done cheaper.
Yep, this has been my most recent contact with him. He doesn't know if I did or didn't make a report to police or did or didn't inform my insurance company. He's yet to respond, and that's a few days ago now. Doesn't look like he will.If he responds you may get your £250 if he doesn't then live with the scratch or get it done cheaper.
RogerDodger said:
If you are not going to pursue the money I'd certainly not tell the insurer. It has sod all to do with them and will only increase your risk to them for a while. No way is the other guy going to report this to his.
Many "dereks" on here will wail about this like insurers are some kind of legal entity to which we must all bow down to.
I'd suck it up and move on. Unless £250 is a lot fo money to you.
Yea, I think this is where I'm going with this one. Will ring around and try and get a cheaper quote. The damage is seriously minimal but I'm a bit of a perfectionist. Many "dereks" on here will wail about this like insurers are some kind of legal entity to which we must all bow down to.
I'd suck it up and move on. Unless £250 is a lot fo money to you.
Wacky Racer said:
The first thing you should do when you have an accident is take a few photographs (if possible) from various angles and then the other party are on the backfoot, they can't deny they weren't there or you crashed into them etc.
I did take some photos of the damage when I got the car home.Vantagemech.. said:
Slightly different from OP, but I had a similar incident many years ago.
Post incident the chap admitted fault and offered to pay cash. I took his number and reg and we had a few conversations about the best route. I said I would repair it and it would be £350. He said he wasnt paying that as he had a mate that would do it. I told him either I do it at that price or insurance (damaged a road wheel, rear bumper and panel behind bumper.
It ends up I go through my insurance after the quote comes to £650.
I inform the other guy, who now has no leg to stand on as he offered me an amount (basically admitting fault)
But - my excess was £750 so my insurers wouldnt process the claim.
My broker then played the ace and used a 3rd party claims company against the other driver,
My insurance was not affected, got the claim sorted and paid out. His insurance company footed the bill and my car was repaired by a main dealer.
perhaps its worth looking into ??
This is certainly interesting, I will look into this, thanks!Post incident the chap admitted fault and offered to pay cash. I took his number and reg and we had a few conversations about the best route. I said I would repair it and it would be £350. He said he wasnt paying that as he had a mate that would do it. I told him either I do it at that price or insurance (damaged a road wheel, rear bumper and panel behind bumper.
It ends up I go through my insurance after the quote comes to £650.
I inform the other guy, who now has no leg to stand on as he offered me an amount (basically admitting fault)
But - my excess was £750 so my insurers wouldnt process the claim.
My broker then played the ace and used a 3rd party claims company against the other driver,
My insurance was not affected, got the claim sorted and paid out. His insurance company footed the bill and my car was repaired by a main dealer.
perhaps its worth looking into ??
Breadvan72 said:
OP, ring your insurer and come clean. Tell them you had a shunt but misunderstood the reporting obligation and did not mention this before. Say sorry. The insurer might say OK, do not do that again, keep calm and carry on. It might say pay some extra premium. It might bin the policy, and if it does that you could ask the Insurance Ombudsman to get the insurer to cut you some slack.
Policy binnage at this point might (I said might) be unlikely under the recently revised legislation on consumer insurance.
Better to 'fess up soon than to let the point hang there and potentially bite you on the bum later. If next week you have a big smash at the other end of the car, you claim for that, and the person who comes to check out the damage notices pre-existing damage or signs of repair at the other end of the car, a chain of enquiry might begin.
This is an interesting one too, I had considered it. If the damage was more than £250 worth, I'd probably go down this avenue.Policy binnage at this point might (I said might) be unlikely under the recently revised legislation on consumer insurance.
Better to 'fess up soon than to let the point hang there and potentially bite you on the bum later. If next week you have a big smash at the other end of the car, you claim for that, and the person who comes to check out the damage notices pre-existing damage or signs of repair at the other end of the car, a chain of enquiry might begin.
Regarding your point on pre-existing damage, my reply would be "Ah that little scratch? Was there when I bought it" (car is a 15 yr old sports car and only worth £3-4k)
meatballs said:
Err, you can request insurance details directly on askmid.com, don't need an "insider". Not sure if the accident details are then available to your insurer though.
From what I can tell, MID will only tell you if a vehicle is or isn't insured. I've checked his reg and it is.markyb_lcy said:
This is an interesting one too, I had considered it. If the damage was more than £250 worth, I'd probably go down this avenue.
Regarding your point on pre-existing damage, my reply would be "Ah that little scratch? Was there when I bought it" (car is a 15 yr old sports car and only worth £3-4k)
Lying liars gonna lie. Ever thought of standing for the Tory party? Promising career ahead. Regarding your point on pre-existing damage, my reply would be "Ah that little scratch? Was there when I bought it" (car is a 15 yr old sports car and only worth £3-4k)
Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff