[Closed] so...somebody bumped my car.

Inform the insurance. He's already scarpered once and since the police have logged the incident with the intention of taking it forwards I'd be damn sure I was compliant with my terms and conditions! (ie. reporting any accident)

You're supposed to tell your insurance co about any and all 'accidents'.
TBH I'm not sure why you're being nice to someone who hit your car and decided to just drive off.

For future reference: always park next to a nice car.

Surely the process of charging him also includes them making sure his insurance has to cover your damage? Would seem crazy if not. Or can you not give his number plate details and evidence of fault (crime ref etc) and then let your insurance sort it out?

I'd report to insurance quoting the PC name and crime ref as they are more likely to be given the driver details.

No experience of this but that's my suggestion!

So, all I really want is the driver to stump up the cash for the repairs

Can't see that happening. That's why we have insurance. Unless you mean you want the driver's insurance to stump up.

Stake out at the garden centre on a sunny Sunday. Middle of the road criminals are creatures of habit. Take him/her/they out with nunchucks between the hanging baskets and the gift section that has dog calendars.

No sure what no claims protection issues you’re thinking of, it’s a non-fault claim. The only issue would be if he’s not insured, in which case you want your insurance co on the case anyway.

Either way, phone your insurance co.

Tell your insurance. mainly because anything that involves paint may be a fair bit more than £600 as it's very labour intensive.
Insurance companies do this all the time and when it's not your fault and when they can recoup costs from the other party they're usually pretty good at getting stuff sorted. From experience they'll probably tie up your excess for a bit but pay it back when the no-fault has been confirmed.

Also, if they drove off, what makes you think they're the type of driver that'd come to an agreement to pay for the repair work? That said, they may not have insurance either - have you run their plate on askMID.com?

If they'd stopped and offered to pay then fair enough, but they've driven off so they deserve all they get.

If you're fully comp then give your insurance co the other drivers reg and any police incident or crime ref numbers you have. The insurance co are able to access the info on the police reports. Your car will be repaired quicker although it may take a while for them to get the money out of the other insurer so you may have to deal with a higher premium for a bit but this is why you pay them. If you don't want your insurers to do it then a solicitor will be able to do the same work- legal cover on your insurance or pay for it yourself. The police may pass your contact details to the other driver but cannot force them to contact you. They're highly unlikely to give you the other drivers details and the other driver is under no obligation to respond to any communication from you.

As above, first stop is your insurance.

Secondly, you can request vehicle information from the DVLA if you have 'reasonable cause'. Obviously this will give you the registered keeper though, who may not have been the driver.

wasn't aware of that website (askmid) - yes it is insured! Off to have a chat with our insurers then.

Just to add, we had the council nicely take the nose off our car, I expected it to be a write off due to the age but they paid for it to be repaired and for hire cars for the duration. Don't think it really affected our premium that much and it was my wife who was a new driver that it went against! That was settled entirely through their insurance though so probably didn't involve as much in the way of admin costs.

Do people not know how insurance works. You claim from your insurance, you pass them the details, they fix your car. They deal with the other party, not you. All you need is the reg as a minimum and they will track down the driver.

And you are supposed to inform them of all accidents (and points etc.), regardless of whether you claim or not. Your choice whether you do but if they find out it could impact future claims.

Was anyone else expecting them to be hit by a VW Transporter?

No, I thought it was going to be Will Smith.

What's he getting charged with?

Leaving the scene of an accident is not a minor issue.
I'm guessing thier car was un insured or otherwise illegal.

Getting jiggy with it.

Nana nana nah

Diver has 7 days to report the accident I believe.

Police should give you the drivers details once it's reported, had it once when a very driver knocked me off my bike and refused to give details, I guess he thought I'd give up. Bi seem to recall it was months before the details were provided though.

North of the wall and it’s 24 hours to report and the police will not pass on the offending drivers details.

Yeah it’s a shitty catch 22 paradox. Illegal for driver to leave the scene (and not report with 24hrs). But the offending party somehow still has GDPR (or whatever) rights so the police won’t give you the details even after they have done the lookup.

Askmid will get you the registered keeper’s insurer for £4.

But if you are insured it should should just be a matter of informing your insurer and they can sort it. The only real problem would be in they deemed you partially at fault (then it could affect NCD).

stumpyjon
Full Member

Do people not know how insurance works

Yup. Loads appear to treat it like a ticket you need to have rather than a product to use as and when necessary