Christmas Day Hit and Run
Discussion
Hi All,
My parked car was hit really hard on the o/s rear corner and the driver did not stop. I heard the bang in my house, and went outside. A witness had already seen the hit and run car but could not tell the make/model or reg as it was raining, and dark (10:30pm). He knows it was silver in colour though.
The 101 controller requested me to report accident in person at Police desk tomorrow.
Having not been in this position before...where do I stand in terms of the insurance and my no claims not being affected? The car will almost certainly be a write-off due to the extensive damage to the chassis and wheel etc.
I am truly gutted at the moment, as I was very attached to my car (an excellent example of an Mondeo ST220).
My parked car was hit really hard on the o/s rear corner and the driver did not stop. I heard the bang in my house, and went outside. A witness had already seen the hit and run car but could not tell the make/model or reg as it was raining, and dark (10:30pm). He knows it was silver in colour though.
The 101 controller requested me to report accident in person at Police desk tomorrow.
Having not been in this position before...where do I stand in terms of the insurance and my no claims not being affected? The car will almost certainly be a write-off due to the extensive damage to the chassis and wheel etc.
I am truly gutted at the moment, as I was very attached to my car (an excellent example of an Mondeo ST220).
b
ds. Any cctv in the area you might be able to view? Also, if your car is badly damaged, the offending car is also likely to be, and might have been left nearby so it might be worth a drive around if you can use another car. If you absolutely can't identify the car you should be able to make a claim through the Motor Insurers Bureau
https://www.mib.org.uk/making-a-claim/claiming-aga... but I've no experience of that myself.
ds. Any cctv in the area you might be able to view? Also, if your car is badly damaged, the offending car is also likely to be, and might have been left nearby so it might be worth a drive around if you can use another car. If you absolutely can't identify the car you should be able to make a claim through the Motor Insurers Bureau https://www.mib.org.uk/making-a-claim/claiming-aga... but I've no experience of that myself.
Sorry to hear this OP. MIB won't be any use here as you must be able to identify the other vehicle.
You will need to make a claim to your insurer and your no claims discount will be impacted if it is not protected. This will be recorded as an "at fault" claim as your insurer doesn't have the third party to claim off and so your premiums will most likely go up in future. You will need to pay your excess if repairing your Mondeo.
You will need to make a claim to your insurer and your no claims discount will be impacted if it is not protected. This will be recorded as an "at fault" claim as your insurer doesn't have the third party to claim off and so your premiums will most likely go up in future. You will need to pay your excess if repairing your Mondeo.
How much is your car worth Jim? (Not what you value it at, what the insurers will value it at).
Once you report it and claim to your insurers this accident is going to cost you on your insurance for several years. Probably 5 years. If you are on your wife's insurance as a named driver, it will also raise her premiums.
Even if you end up not claiming, once you inform them it's going to have an impact.
Even if you have protection on your NCB your premium will go up.
Once you report it and claim to your insurers this accident is going to cost you on your insurance for several years. Probably 5 years. If you are on your wife's insurance as a named driver, it will also raise her premiums.
Even if you end up not claiming, once you inform them it's going to have an impact.
Even if you have protection on your NCB your premium will go up.
TTmonkey said:
How much is your car worth Jim? (Not what you value it at, what the insurers will value it at).
Once you report it and claim to your insurers this accident is going to cost you on your insurance for several years. Probably 5 years. If you are on your wife's insurance as a named driver, it will also raise her premiums.
Even if you end up not claiming, once you inform them it's going to have an impact.
Even if you have protection on your NCB your premium will go up.
You do not know any of that. You're guessing. You have no idea who he is insured with, who his wife is insured with, and their attitude to one claim. All the things you've said might happen, not will happen.Once you report it and claim to your insurers this accident is going to cost you on your insurance for several years. Probably 5 years. If you are on your wife's insurance as a named driver, it will also raise her premiums.
Even if you end up not claiming, once you inform them it's going to have an impact.
Even if you have protection on your NCB your premium will go up.
TwigtheWonderkid said:
TTmonkey said:
How much is your car worth Jim? (Not what you value it at, what the insurers will value it at).
Once you report it and claim to your insurers this accident is going to cost you on your insurance for several years. Probably 5 years. If you are on your wife's insurance as a named driver, it will also raise her premiums.
Even if you end up not claiming, once you inform them it's going to have an impact.
Even if you have protection on your NCB your premium will go up.
You do not know any of that. You're guessing. You have no idea who he is insured with, who his wife is insured with, and their attitude to one claim. All the things you've said might happen, not will happen.Once you report it and claim to your insurers this accident is going to cost you on your insurance for several years. Probably 5 years. If you are on your wife's insurance as a named driver, it will also raise her premiums.
Even if you end up not claiming, once you inform them it's going to have an impact.
Even if you have protection on your NCB your premium will go up.
Oh, forgot to say also, as soon as you report it to your insurers, even if you don't claim, they'll add it to the shared insurance database which means you'll have to declare it to all other insurers when you try to get quotes.
Only speaking through experience. I was even charged an increased premium on my wife's insurance two years after my incident. Retrospectively. The accident I didn't claim for. In the car I wasn't in at the time.
Of course, you technically have to declare it. Because not declaring it is against your insurers terms and conditions.
cptsideways said:
Any local pubs they may have come from? worth asking.
It's also worth asking plod if a car fitting the description is known to them, the fact it was hit & run indicates the driver may have previous imho.
It's also worth asking plod if a car fitting the description is known to them, the fact it was hit & run indicates the driver may have previous imho.
JimClark49 said:
A witness had already seen the hit and run car but could not tell the make/model or reg as it was raining, and dark (10:30pm). He knows it was silver in colour though.
Yep, ask in the local pubs and the police if anyone knows anyone with a silver car.It a stty situation 
If I were in that situation I would be thinking about what value I could get out of the car as it stands and buying another. Are and not getting involved with insurance at all.
For me, insurance is to cover me if I injure somebody or damage something very valuable, it is generally not worth claiming to replace my own stuff!
tty situation If I were in that situation I would be thinking about what value I could get out of the car as it stands and buying another. Are and not getting involved with insurance at all.
For me, insurance is to cover me if I injure somebody or damage something very valuable, it is generally not worth claiming to replace my own stuff!
Thanks for the replies everyone.
I went around to look for the car, but just could not find anything. I am in Coventry at present, so quite a large city to find the car.
Police could not do anything without the reg, or any CCTV evidence (which they told me is my responsibility to get - so far unsuccessfully).
The worse part is that i have 3 years NCD, and was waiting to achieve the 4th year in order to 'protect'. If I make a claim through insurance, I will lost those 3 years.
Really not sure what to do. Stressed and angry that somebody could just do this.
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I went around to look for the car, but just could not find anything. I am in Coventry at present, so quite a large city to find the car.
Police could not do anything without the reg, or any CCTV evidence (which they told me is my responsibility to get - so far unsuccessfully).
The worse part is that i have 3 years NCD, and was waiting to achieve the 4th year in order to 'protect'. If I make a claim through insurance, I will lost those 3 years.
Really not sure what to do. Stressed and angry that somebody could just do this.
[url][img]JimClark49 said:
Really not sure what to do. Stressed and angry that somebody could just do this.
That's an insurance write off. No question. Isn't worth fixing unless you have the skills to DIY. You need to weigh up what 3yrs ncd (and declaration of a fault claim for next 5 yrs) will cost you vs how much you'll get back in a claim payout.
What's the car worth pre smash?
I'd be looking into stripping it for parts, engine /box, interior seats/trim and front end panels will always find a home.
Really sorry to hear about this, OP.
The person who hit your car really did give it a bloody good whack - I'm guessing they were not insured, pissed, or both.
Annoyingly, your insurance company will almost certainly not pay out what the car is worth to you. I can see (damage aside) that it's a really nice Mondeo ST220, which I expect is your pride and joy. The insurance company will see it as an "old Mondeo", and cut you a cheque accordingly.
My only piece of advice to you now is DO NOT ACCEPT THE FIRST OFFER the insurance company makes. When it comes to the pay out from an insurance write off, the insurance company will invariably chance their arm with a low-ball bid. Those who don't want to rock the boat, or who are uncomfortable with negotiation will take the first offer, which the insurance company will be banking on.
However, the insurance company will fully expect a small proportion of customers to reject the first offer, and make a counter offer. Be one of those customers, whatever you do.
The person who hit your car really did give it a bloody good whack - I'm guessing they were not insured, pissed, or both.
Annoyingly, your insurance company will almost certainly not pay out what the car is worth to you. I can see (damage aside) that it's a really nice Mondeo ST220, which I expect is your pride and joy. The insurance company will see it as an "old Mondeo", and cut you a cheque accordingly.
My only piece of advice to you now is DO NOT ACCEPT THE FIRST OFFER the insurance company makes. When it comes to the pay out from an insurance write off, the insurance company will invariably chance their arm with a low-ball bid. Those who don't want to rock the boat, or who are uncomfortable with negotiation will take the first offer, which the insurance company will be banking on.
However, the insurance company will fully expect a small proportion of customers to reject the first offer, and make a counter offer. Be one of those customers, whatever you do.
Thanks for all the additional advice and support. Much appreciated. I don't have the expertise to remove all bits from the car, which is a shame, because the engine has only done 95k and still feels strong and reliable. The interior, including seats, are unmarked and in excellent condition.
Green Dubber - I am in Stoke Green.
Green Dubber - I am in Stoke Green.
JimClark49 said:
Thanks for all the additional advice and support. Much appreciated. I don't have the expertise to remove all bits from the car, which is a shame, because the engine has only done 95k and still feels strong and reliable. The interior, including seats, are unmarked and in excellent condition.
Green Dubber - I am in Stoke Green.
OK mate, thought it looked a bit Coundon like which is where I'm visiting today so was going to keep an eye out for anything left smashed up at the side of the road. Green Dubber - I am in Stoke Green.
What a massive ball ache, no doubt a battle on the cards with the insurance co. I had similar with my mint but relatively old, so low value Audi a few years back
DuraAce said:
That's an insurance write off. No question. Isn't worth fixing unless you have the skills to DIY.
You need to weigh up what 3yrs ncd (and declaration of a fault claim for next 5 yrs) will cost you vs how much you'll get back in a claim payout.
What's the car worth pre smash?
I'd be looking into stripping it for parts, engine /box, interior seats/trim and front end panels will always find a home.
I agree with this, as much of a sYou need to weigh up what 3yrs ncd (and declaration of a fault claim for next 5 yrs) will cost you vs how much you'll get back in a claim payout.
What's the car worth pre smash?
I'd be looking into stripping it for parts, engine /box, interior seats/trim and front end panels will always find a home.
t it is to be in that position.Suspect parting it out and not getting insurance involved (unless matey who hit it magically appears) is your overall best bet.
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