Crashed again...

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voteforpedro

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Some w****r went into back of me while I was stationary today. Damage is minimal but he refused to give me any details. Traffic was absolutely gridlocked so I figured it was pointless phoning the police as they would never get to us.

I phoned the police and they said to take all my documents down to the police and they will give me a reference number to forward to my insurance company. My insurance expires at noon tomorrow...

Considering I already have a huge claim - is it worth chasing it or should I just let it go? I have literally 12 hours to decide and make the claim...

If I claim, do I need to declare it as a claim even if it wasn't my fault? What are the implications as there is already a pending claim on the policy... If it gets repaired, does it become a category C? I can't even take it to a repairer as the policy ends tomorrow and I don't plan to re-insure it.

Literally the last hour of driving the car and this happens. What are the odds, eh?
 
Another question:

If my missus can drive cars third party on her fully-comp policy, does that car need to be insured?
 
I believe it does need to have its own insurance also, but i may be wrong
 
No it only allows you to drive a vehicle that is fully insured, otherwise you'd insure yourself on an old mini then drive everywhere in your uninsured RS6!
No claim bonus is no "claim" bonus, it's irrelevant whose fault it is unless you can claim off the other persons insurance.
 
your car would have to be insured for the misses to drive on her policy, car would only be a cat anything if the insurance company wrote it off and you or someone else bought it and put back on the road, cat d just neads mot, cat c would nead vic test then mot, you have to declare any claim even when its not your fault, insurance companys will do anything not to pay dont give them the excuse, also it does not matter that you policy runs out v v soon at time of accident it was insured, claim I would.
 
a6george said:
your car would have to be insured for the misses to drive on her policy, car would only be a cat anything if the insurance company wrote it off and you or someone else bought it and put back on the road, cat d just neads mot, cat c would nead vic test then mot, you have to declare any claim even when its not your fault, insurance companys will do anything not to pay dont give them the excuse, also it does not matter that you policy runs out v v soon at time of accident it was insured, claim I would.
Click to expand...

But if I have to claim, that will effect my premiums even if it wasn't my fault?
 
sounds like your in a bit of a pickle then mate. why does this **** always happen at the wrong times, i feel for you dude and hope you get it sorted soon
 
did you not take his registration down? he can be traced and the insurance company found easily if he had any. If not, your on your own mate.

you would have to claim on his insurance thru your own company, or claim on yourself which will lose your ncb and your premiums on future insurance will rise to the default figure for someone with no ncb.

The rear driver is always to blame in law, but you must identify them first. Ask the council if the area and time / incident were covered on cctv.
 
I was parked up walking back to my car and an old git crashed into it! Not my fault at all but I have to declare it on my insurance (tried not to but they said my information was incorrect f-in sake) anyways my insurance went up £400 for a claim that wasn’t my fault Cheers Elephant!!!! :thumbsup:
 
file the report then to the insurance asap with his reg and a witness statement, then ask the council if the street is on cctv surveillance, the insurance company will trace him themselves but cctv is gold dust if its available too.
 
if he leaves the scene without providing details he has committed a more serious offence than running into the back of you.
if the police want to prosecute all those at fault in an accident for careless driving they can, they choose not to as it would flood the courts.
I learned this to my detriment when some officious little c'#t of a copper said "we will not be prosecuting you on this occasion" when I ran into the back of some granny who did an emergency stop to let some one out of a junction!

I take it you got his description reg number etc? if so did you explain to the plod that he has left the scene of an accident? what happens if you develop a delayed back compliant as a result of the minor collision? sounds unlikely but unless the copper you spoke to is an orthopaedic surgeon then he should have at least explained the law to you.

The onus will be on him to provide a reason why he left the scene of an accident, a witness would be nice but I assume you didnt do that by your story. whether you choose to claim is up to you after that, without a guilty party it is going to come off your policy.

more than likely that he either has no MOT or no insurance which he didnt want to fess up to. given the damage he probably thinks you are unlikely to pursue it. make sure you do pursue it so these uninsured ******* learn the hard way when their car is crushed.
 
Personally, i wouldnt, unless theres mega damage.

Your in a ****** position, but at the end of the day, if your involved in ANY accident, your fault or not, your statistically a higher risk. You're already finding it difficult to get insured due to your previous accident, adding another one is only going to serve to make it more difficult still, and more expensive to boot.

If its just a bit of crazing on the bumper or whatever, i recon you'll be better off not bothering. If hes stoved the rear end in and bent the rear quarter or other panel work thats not easily repaired however, then its a different story.
 
jcb makes a fair point, but then its likely that if hes dodgy the car will be registered in someone elses name, who has no idea who was driving etc etc.

The only way you were getting him done was by getting the police to the scene.
 
aragorn said:
Personally, i wouldnt, unless theres mega damage.

Your in a ****** position, but at the end of the day, if your involved in ANY accident, your fault or not, your statistically a higher risk. You're already finding it difficult to get insured due to your previous accident, adding another one is only going to serve to make it more difficult still, and more expensive to boot.

If its just a bit of crazing on the bumper or whatever, i recon you'll be better off not bothering. If hes stoved the rear end in and bent the rear quarter or other panel work thats not easily repaired however, then its a different story.
Click to expand...

This is generally how I feel. I'm trying to sell the car too... I can't let it sit on my drive for X months while the claim is settled on the off-chance they may pay out to get my bumper resprayed...

At the very least I would like to see the c*nt punished but I don't think the police will pursue it.
 
I take it you where in the tqs? Have to say I would go with some of the other comment, if the damage is slight then cut your losses, don't report it and chop a few quid of the asking price. If the damage is bad then go down the insurance route.
 
Just get a quote for the damage repair, if it's less than about £600 then pay for it yourself, if more then you'll need to do some maths. You'll have an excess of anywhere between £300-£400 quid plus your premium will go up by at least £300, so it's not rocket science. If it's just paint damage then you'll have to swallow it or better still knock it off the asking price it as suggested. No point spending more money on a car you are selling.
 
Easy to say after the event but how many of us have phones that take pictures?
Using that here would be good as you'd have pics of the scene, the person and car involved etc..
 
most body shops will want to fit new bumper and that even with the slightest knock and that will cost about £700 unless you know someone
 
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