Van damaged car, chances of a claim?

[Centurion07]

It might.

It might not.

[blaineuk]

Amazon do use delivery companies to deliver, the drivers then sub to these companies, if it was one of the companies vehicle it will have cameras and hi tech tracking on it, but is its an owner driver it will not. Chances are the same driver will be back as they like to keep drivers on a regular route, so keep a look out for him.

[ResQ1]

CaptainMorgan said:

I thought that, but then I've got the van on camera, GPS tracking is pretty accurate on their app, plus he delivers the exact moment he goes out of shot. We'll see, I'll keep you all updated. It's lose lose anyway, even if they payout then I'll get shafted declaring the accident for the next 5 years.

Does the video you have show the impact and the registration / fleet number of the van ? Or is it just the van in the street near your vehicle ? If not, then I'm sorry to say from an insurers point of view, what you have is a video of a white van in your street, that could be one of their insured vehicles....or not.

For the GPS tracking, I'm certainly not an expert, my understanding is that the delivery app position is based on the courier reporting successful delivery of each parcel (maybe someone else on here who works as an Amazon driver could confirm) rather than a GPS tracker in the vehicle.

Don't get me wrong, I really do hope you are able to get it all sorted out by the van driver or his insurance, its just that 25 years in the insurance claims arena has made me somewhat cynical.

[CaptainMorgan]

ResQ1 said:

Does the video you have show the impact and the registration / fleet number of the van ? Or is it just the van in the street near your vehicle ? If not, then I'm sorry to say from an insurers point of view, what you have is a video of a white van in your street, that could be one of their insured vehicles....or not.

For the GPS tracking, I'm certainly not an expert, my understanding is that the delivery app position is based on the courier reporting successful delivery of each parcel (maybe someone else on here who works as an Amazon driver could confirm) rather than a GPS tracker in the vehicle.

Don't get me wrong, I really do hope you are able to get it all sorted out by the van driver or his insurance, its just that 25 years in the insurance claims arena has made me somewhat cynical.

The cctv shows the van rolling down the hill, driver chasing it, then it hits my car. It’s not clear enough for a registration.

The GPS tracking does work all the time, when I ordered a parcel Friday I followed a guy up the road, it pings every 30 seconds. The van was in the footage for 4-5 minutes.

I’ve sent the claim form and they’re planning to get back to me within 24hrs apparently. I’ll just have to keep my fingers crossed.

Edited by CaptainMorgan on Tuesday 10th November 10:08

[AJL308]

ResQ1 said:

Unfortunately, there's very little chance of a successful claim unless you have evidence specifically proving which vehicle hit yours, i.e showing or stating the registration or fleet identification number of the vehicle. Without that, its going to be one persons word against another which "white van" hit yours.

As the law stands, its up to the person making the claim (you) to prove their your loss, i.e that the other person was the one involved in the accident, that they caused all the damage being claimed for and that they are liable for your loss. The other person
doesn't have to prove it wasn't them... the burden of proof rests with the claimant.

Without this the claim is pretty much bound to fail, sorry.

Disagree. He has video of the incident, presumably time-stamped. The neighbours parcel delivery will be timed to the second.

[AJL308]

CaptainMorgan said:

ResQ1 said:

Unfortunately, there's very little chance of a successful claim unless you have evidence specifically proving which vehicle hit yours, i.e showing or stating the registration or fleet identification number of the vehicle. Without that, its going to be one persons word against another which "white van" hit yours.

As the law stands, its up to the person making the claim (you) to prove their your loss, i.e that the other person was the one involved in the accident, that they caused all the damage being claimed for and that they are liable for your loss. The other person
doesn't have to prove it wasn't them... the burden of proof rests with the claimant.

Without this the claim is pretty much bound to fail, sorry.

I thought that, but then I've got the van on camera, GPS tracking is pretty accurate on their app, plus he delivers the exact moment he goes out of shot. We'll see, I'll keep you all updated. It's lose lose anyway, even if they payout then I'll get shafted declaring the accident for the next 5 years.

But you can claim for any premium increase you suffer because of it.

Actually, this thread has just reminded me that I need to get back on to my insurance company to pursue something. Last year I was parked and someone reversed into my car - no visible damage but I got his details. I drove off and a hundred yards or so down the road my brakes decided to spray fluid all over the place and totally crap out. Had to leave the car. So, I notified my insurance company of the accident and that the other guy was at fault.

Few months later my other half is getting a quote for her car which I'm a driver on. Can't recall the details but I think they knocked me back for non disclosure. I had no idea what they were talking about as I'd completely forgotten the incident. It took me days to remember it after having finally talked to my insurers. I didn't even report it as a claim, just as information in case it did actually become a claim. In the event, the brake failure in my car was totally unconnected to the bump and was due to a corroded pipe.

In the end it resulted in a 70 increase in her policy but makes no difference to any of the three policies I have, which I find totally bizarre. Anyway, I now need to turn it into a claim because it's cost me in that I'm paying her the additional premium and who knows whether it will affect me in future.

[AJL308]

ResQ1 said:

Does the video you have show the impact and the registration / fleet number of the van ? Or is it just the van in the street near your vehicle ? If not, then I'm sorry to say from an insurers point of view, what you have is a video of a white van in your street, that could be one of their insured vehicles....or not.

For the GPS tracking, I'm certainly not an expert, my understanding is that the delivery app position is based on the courier reporting successful delivery of each parcel (maybe someone else on here who works as an Amazon driver could confirm) rather than a GPS tracker in the vehicle.

Don't get me wrong, I really do hope you are able to get it all sorted out by the van driver or his insurance, its just that 25 years in the insurance claims arena has made me somewhat cynical.

His neighbours Amazon account will show an exact time of delivery, surely?

[CaptainMorgan]

AJL308 said:

His neighbours Amazon account will show an exact time of delivery, surely?

Yeah, I have the screenshot of the email you get sent when it's signed for.

Car was hit at 1717, parcel delivered 1719, van drives off at 1720 when another neighbour comes out of her house, driver spots her coming out the house and floors it up the road. You can see the neighbour in the footage come out of the house too.

[CaptainMorgan]

So I had a email asking for a few details, I managed to get the tracking info from the app showing it was delivered when it was. Sent that off with the photo of the parcel, they're investigating and will get back to me as soon as they have news.

Drove the car round the block, still drives as it should thankfully, I'm quite impressed given the wack it took. It's off to the dealer Monday, they done some work on it before and I was happy so hopefully it'll be all good.

[CaptainMorgan]

Update, I got an email end of last week with the drivers name, reg number, insurer & his policy number. I've contacted them and now I'm waiting for them to get back to me.

[Boosted LS1]

Great result :-)

[R56Cooper]

CaptainMorgan said:

Update, I got an email end of last week with the drivers name, reg number, insurer & his policy number. I've contacted them and now I'm waiting for them to get back to me.

Good stuff. From what you've said, it sounds like you have a decent chance of succeeding.

The standard of proof is "the balance of probabilities" or in other words, whether, on the evidence, the occurrence of the event was more likely than not.

[Pinkie15]

R56Cooper said:

CaptainMorgan said:

Update, I got an email end of last week with the drivers name, reg number, insurer & his policy number. I've contacted them and now I'm waiting for them to get back to me.

Good stuff. From what you've said, it sounds like you have a decent chance of succeeding.

The standard of proof is "the balance of probabilities" or in other words, whether, on the evidence, the occurrence of the event was more likely than not.

I'd say this more than enough for 'balance of probabilities':

CaptainMorgan said:

The cctv shows the van rolling down the hill, driver chasing it, then it hits my car. It’s not clear enough for a registration.

Edited by CaptainMorgan on Tuesday 10th November 10:08

[CaptainMorgan]

Final update, the guy hadn't told his insurance company, they asked for the footage and for photos of the damage before paying out pretty quickly, no issues!

Hopefully next months renewal isn't too painful.

[The Rotrex Kid]

Great news