Forced off road by dangerous driver, damage to car

[Hondashark]

Fast and Spurious said:

I hope your rhs arm gets better soon!

I don't even know what one of those is. But it sounds painful.

[Dingu]

oyster said:

Letter before action followed my MCOL.

I’d also sue your insurance company based on their ‘no contact’ response. That’s shocking.

Assuming your witness is sound, and the police can issue some kind of report, a county court judge may well side with you. For a very small outlay, it’s worth it.

Suing the insurer would be a waste of time and money. They would pay on the claim, if they don’t feel there is realistic chances of recovering the costs then they aren’t going to waste money doing so.

[Youforreal.]

Cheers for all the replies gents :-)

Just off the phone with my insurance company and mentioned the insurance ombudsman, that seems to have changed their tune, all details taken on the police incident report (this far) and they will be approaching the police for further information and his insurance company as well it seems.

I’ve a lot of other stuff going on at the moment and none good so just a hassle I didn’t need right now, life getting in the way of a good time again.

[Oceanrower]

Hondashark said:

Fast and Spurious said:

I hope your rhs arm gets better soon!

I don't even know what one of those is. But it sounds painful.

I’d imagine it’s the opposite one to the lhs…

[119]

oyster said:

Letter before action followed my MCOL.

I’d also sue your insurance company based on their ‘no contact’ response. That’s shocking.

Assuming your witness is sound, and the police can issue some kind of report, a county court judge may well side with you. For a very small outlay, it’s worth it.

With every chance they will just declare being broke, in benefits, can’t afford it.

But they might be able to afford paying back at £2/ month.

[fatjon]

Zetec-S said:

Why do people automatically assume their insurance will skyrocket after a claim? Mrs ZS has had a couple of relatively minor "at fault" claims over the years and it never had a noticeable impact on her premiums. I've been hit by an uninsured driver who did a runner and again it didn't really affect my premiums.

I get it sucks, but you pay for insurance to cover you for this sort of thing. If it was a couple of hundred quid then yes I'd look to sort myself, but for £2k I'd leave it with my insurance company.

I was hit while completely stationary. Zero fault on my part at all. The other guys insurance paid for everything. I informed Admiral (my insurer) as a courtesy. My premium doubled.

[Pit Pony]

fatjon said:

I was hit while completely stationary. Zero fault on my part at all. The other guys insurance paid for everything. I informed Admiral (my insurer) as a courtesy. My premium doubled.

I wrote off a car because I'm not a driving god and made a mistake, the premium at renewal was doubled. When I shopped around it ended up at 70% my original premium via a different company.

Apparently if you are 40, never previously had a crash and you then crash, it's likely that you'd become complacent, and the statistics will show that you are now less likely to have a crash, compared to someone with a 23 year crash free driving record..

[Pica-Pica]

Oceanrower said:

Hondashark said:

Fast and Spurious said:

I hope your rhs arm gets better soon!

I don't even know what one of those is. But it sounds painful.

I’d imagine it’s the opposite one to the lhs…

Unless, of course, the hand is no longer attached to the arm. In that case the acronym is meaningless, but not ‘armless.

[davek_964]

fatjon said:

I was hit while completely stationary. Zero fault on my part at all. The other guys insurance paid for everything. I informed Admiral (my insurer) as a courtesy. My premium doubled.

I'd be quite surprised if a premium doubled entirely due to a non fault claim.

I had a fault claim with Admiral 18 months ago which made no noticeable difference to my premium.

[Oceanrower]

Pica-Pica said:

Oceanrower said:

Hondashark said:

Fast and Spurious said:

I hope your rhs arm gets better soon!

I don't even know what one of those is. But it sounds painful.

I’d imagine it’s the opposite one to the lhs…

Unless, of course, the hand is no longer attached to the arm. In that case the acronym is meaningless, but not ‘armless.

In that case, would you not know your rhs from your elbow?

[Forester1965]

OP, you could have made a claim directly with the other driver's insurer. Your own insurer may still allow you to do this but you may need their permission.

The Police gave you the other driver's details and insurance because the other driver was obliged to give you that information by law if he'd stopped at the time and you'd requested it.

[BertBert]

Forester1965 said:

OP, you could have made a claim directly with the other driver's insurer. Your own insurer may still allow you to do this but you may need their permission.

The Police gave you the other driver's details and insurance because the other driver was obliged to give you that information by law if he'd stopped at the time and you'd requested it.

As covered in the first reply

[surveyor]

Quite a lot of years ago I changed lanes in traffic, and it transpired pulled in front of someone who was approaching my lane at speed. They hit the curb to avoid me. My bad. I stopped and gave them my details.

They called me the next day to say their car was pulling badly to the left, and they were given our insurer's details.

I later found out that the insurance company paid out around £5k, mostly for whiplash.

Clearly, there is a way to claim without contact.