Hit whilst parked, but there's a twist...
Discussion
A friend lent me their car to use, infact a very nice car so I made sure it had top notch insurance etc whilst it was in my care on top of the owners cover. The aspect of the policy covering me expired on Friday so I left the car in a corporate car park where my office is over the week-end waiting for it to be picked up today. But unfortunately having got to it this morning there's a note in the windscreen from several people who saw a car reverse into my car and drive off 
I have plenty of witnesses and the other cars reg etc but in order to get the owners details what's the best way of going about things? I'd prefer not to involve the owner who lent me the car just because it's annoying for him, but appreciate I may have to. Thanks.
I have plenty of witnesses and the other cars reg etc but in order to get the owners details what's the best way of going about things? I'd prefer not to involve the owner who lent me the car just because it's annoying for him, but appreciate I may have to. Thanks.
Petrus1983 said:
A friend lent me their car to use, infact a very nice car so I made sure it had top notch insurance etc whilst it was in my care on top of the owners cover. The aspect of the policy covering me expired on Friday so I left the car in a corporate car park where my office is over the week-end waiting for it to be picked up today. But unfortunately having got to it this morning there's a note in the windscreen from several people who saw a car reverse into my car and drive off I have plenty of witnesses and the other cars reg etc but in order to get the owners details what's the best way of going about things? I'd prefer not to involve the owner who lent me the car just because it's annoying for him, but appreciate I may have to. Thanks.
Police. I have plenty of witnesses and the other cars reg etc but in order to get the owners details what's the best way of going about things? I'd prefer not to involve the owner who lent me the car just because it's annoying for him, but appreciate I may have to. Thanks.If they have details from witnesses, they'll get in contact, at which point, insurers can sort it out.
You'll have to tell the owner, be straight.
'fess up immediately. can you imagine if the roles were reveresed, you would be livid. if its a nice car then its a fair call to say its his pride and joy, the last thing you do is go behind their back and try to sort out this sort of thing without their knowledge or you wont stay friends for long.
as for insurance, assume its covered by his insurance if you werent driving and it happened on the saturday or the sunday?...
as for insurance, assume its covered by his insurance if you werent driving and it happened on the saturday or the sunday?...
t I've pranged his car) 
So you hadnt returned the car, let the extra insurance expire and think it will be fine in a private car park?
You need to get the owner involved as you technically have no claim as there is no insurance policy in place.
Might get even more messy if its a private parking area - did you have the OK to leave it there? Along with if the other driver refutes the claim the police more than likely will do nothing.
You need to get the owner involved as you technically have no claim as there is no insurance policy in place.
Might get even more messy if its a private parking area - did you have the OK to leave it there? Along with if the other driver refutes the claim the police more than likely will do nothing.
As long as the owner has insurance it'll have to go through his insurance company, though as long as the culprit can be traced it won't be a claim against the owners policy. If the owner can't be traced then it between you and the owner to decide whether it will go down as the owners fault claim, or whether you are going to cancel the claim and pay for the damage privately.
AndrewW-G said:
IIRC, if nobody is hurt (as was the case) then the Police will most likely tell you that its a civil matter and to speak to your insurers
no, because the other driver "refused to stop at the scene of an accident" which is a crime.I had a similar situation where somebody pulled out causing me to swerve into the kerb to avoid hitting them. I followed them to try and get them to stop, but they started making dangerous manoeuvre so I took the car details to the Police, who tracked him down and gave me the details.
filski666 said:
AndrewW-G said:
IIRC, if nobody is hurt (as was the case) then the Police will most likely tell you that its a civil matter and to speak to your insurers
no, because the other driver "refused to stop at the scene of an accident" which is a crime.I had a similar situation where somebody pulled out causing me to swerve into the kerb to avoid hitting them. I followed them to try and get them to stop, but they started making dangerous manoeuvre so I took the car details to the Police, who tracked him down and gave me the details.
filski666 said:
AndrewW-G said:
IIRC, if nobody is hurt (as was the case) then the Police will most likely tell you that its a civil matter and to speak to your insurers
no, because the other driver "refused to stop at the scene of an accident" which is a crime.I had a similar situation where somebody pulled out causing me to swerve into the kerb to avoid hitting them. I followed them to try and get them to stop, but they started making dangerous manoeuvre so I took the car details to the Police, who tracked him down and gave me the details.
2. it was on a public highway.
3. you witnessed /were involved in the incident
OP has no cover, doesnt own the car or was a witness.
Similarities?
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