Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • th3 ax3
    • By th3 ax3 3rd Dec 17, 9:06 PM
    • 8Posts
    • 0Thanks
    th3 ax3
    Could really do with some advice please please....
    • #1
    • 3rd Dec 17, 9:06 PM
    Could really do with some advice please please.... 3rd Dec 17 at 9:06 PM
    Earlier this year sometime in July I received a letter from an insurance company saying that there had been an incident involving my car saying I had hit a parked car in a private car park of their client and the driver was looking to claim compensation for damages.
    I did not remember this incident occurring at all but contacted my insurance company straight away to help with what to do. Checked my car and found a very minor scruff on the front corner and honestly think that was there when we bought the car in March. Firmly believing that I hadnt done anything and this was all a simple mixup, I asked the insurance company to find out where I was that day (i have telematic insurance) and if they can find out more.

    Further to investigation, CCTV footage was provided to my insurance company from the private car park and they said they were going to settle the matter as I could be seen on cctv parking into a spot, stopping and then reversing and then parking somewhere else in the car park. We received this information from our insurance company in September and were told that this would count as a claim and havent heard anything from our insurance since.

    Tonight two police officers came to our residence to caution me!! They said that I had committed a driving offence as they had reviewed the CCTV footage they can see there was evidence of the other car being hit but i failed to leave details or tell the police. I do not remember this incidence at all or having collided with the car because if I had thought i did, i would have stopped and left details (honestly) so even if CCTV footage shows a collision i do not think i should be charged with an offence as I genuinely did not realise I had hit the other car. Like I said I dont remember hitting any car and the stopping to reverse was probably me thinking the space was too tight (i just passed my driving test in February)

    We live in Glasgow Scotland and they said this claim will be given forward to the procurator fiscal and we should wait to see what they say..

    The insurance is already so high and we’re really struggling financially at the moment so this really has knocked me tonight. Dont really know who to call or do so could really do with some advice/guidance. I know the CCTV footage is not really looking good if it does indeed show me stopping whilst parking, but I genuinely dont remember hitting someone. Last thing I need is prison sentence or huge fine or points which will mean I wont be able to afford driving next year

Page 1
    • BoGoF
    • By BoGoF 3rd Dec 17, 9:21 PM
    • 2,717 Posts
    • 1,951 Thanks
    BoGoF
    • #2
    • 3rd Dec 17, 9:21 PM
    • #2
    • 3rd Dec 17, 9:21 PM
    Think you have made this up. No way would the police get involved.
    • th3 ax3
    • By th3 ax3 3rd Dec 17, 9:24 PM
    • 8 Posts
    • 0 Thanks
    th3 ax3
    • #3
    • 3rd Dec 17, 9:24 PM
    • #3
    • 3rd Dec 17, 9:24 PM
    I wish I had!! Honestly I am at a loss for words. Really dont know why police have got involved, I know that its a criminal offence to not exchange details but I have no idea why ai have been cautioned when my insurance company has already settled in September. Strange thing is they didnt leave any paperwork either so I have got no paper trail, they came took my details, confirmed it was me driving and then said youll hear from proscurator fiscal and then left. I was almost in tears and then hubby said to try posting on this website
    • ACG
    • By ACG 3rd Dec 17, 9:29 PM
    • 15,879 Posts
    • 8,133 Thanks
    ACG
    • #4
    • 3rd Dec 17, 9:29 PM
    • #4
    • 3rd Dec 17, 9:29 PM
    Did they see YOU or your car?
    If the car, then how can the police issue anything against you as it could have been anyone driving. It could be false plates, it could be anything.
    • EssexExile
    • By EssexExile 3rd Dec 17, 9:31 PM
    • 2,482 Posts
    • 1,656 Thanks
    EssexExile
    • #5
    • 3rd Dec 17, 9:31 PM
    • #5
    • 3rd Dec 17, 9:31 PM
    I see no reason to think this is made up, I've attended trials on similar situations. Once you get some paperwork through I'd seek legal advice (I don't mean on a forum).

    You won't go to prison, unless Scotland is very difference from down here.
    Tall, dark & handsome. Well two out of three ain't bad.
    • Money_Grabber13579
    • By Money_Grabber13579 3rd Dec 17, 9:36 PM
    • 2,847 Posts
    • 1,374 Thanks
    Money_Grabber13579
    • #6
    • 3rd Dec 17, 9:36 PM
    • #6
    • 3rd Dec 17, 9:36 PM
    Do the police normally get involved at all, if the accident took place on private land?
    Northern Ireland club member No 382
    • th3 ax3
    • By th3 ax3 3rd Dec 17, 9:39 PM
    • 8 Posts
    • 0 Thanks
    th3 ax3
    • #7
    • 3rd Dec 17, 9:39 PM
    • #7
    • 3rd Dec 17, 9:39 PM
    The CCTV footage from the supermarket car park apparently (according to my insurance company and police) shows my car (with its P sign and reg plate). I have apparently been cautioned for ‘failure to stop and exchange details’

    I was thinking of calling my insurance company again tomorrow and asking if I could see the CCTV footage and about how much damages they’ve paid out. Ive got legal cover as part of my insurance so would I be covered if I was to appeal to a points/fine decision by procutaor fiscal once I hear from them
    Last edited by th3 ax3; 03-12-2017 at 9:44 PM.
    • sevenhills
    • By sevenhills 3rd Dec 17, 9:43 PM
    • 757 Posts
    • 268 Thanks
    sevenhills
    • #8
    • 3rd Dec 17, 9:43 PM
    • #8
    • 3rd Dec 17, 9:43 PM
    I see no reason to think this is made up, I've attended trials on similar situations. Once you get some paperwork through I'd seek legal advice (I don't mean on a forum).

    You won't go to prison, unless Scotland is very difference from down here.
    Originally posted by EssexExile
    Shadow chancellor Ed Balls is fined £900 and given five penalty points for failing to stop after a car crash in West Yorkshire.

    http://www.bbc.co.uk/news/uk-england-bradford-west-yorkshire-28658217

    • th3 ax3
    • By th3 ax3 3rd Dec 17, 9:51 PM
    • 8 Posts
    • 0 Thanks
    th3 ax3
    • #9
    • 3rd Dec 17, 9:51 PM
    • #9
    • 3rd Dec 17, 9:51 PM
    Thing is if I knew I’d hit someone whilst parking that day and thats why I parked somewhere else, surely one would go and check either his/her car and the other person’s car to see the damage which obviously didnt happen.

    Like I said, Ive had my near misses this year (even scraped my hubbys car reversing on driveway) in my first year of driving but dont remember any sound/impact that day at all in the car park. I mustve thought it was too tight that day, reversed and parked somewhere else and gone in to shop (in the process scraping this guys car apparently).

    • BoGoF
    • By BoGoF 3rd Dec 17, 10:07 PM
    • 2,717 Posts
    • 1,951 Thanks
    BoGoF
    So why did you move your car to a different space on the night of the incident?
    Last edited by BoGoF; 04-12-2017 at 1:34 PM. Reason: Typo
    • unholyangel
    • By unholyangel 3rd Dec 17, 10:22 PM
    • 11,597 Posts
    • 8,734 Thanks
    unholyangel
    I wish I had!! Honestly I am at a loss for words. Really dont know why police have got involved, I know that its a criminal offence to not exchange details but I have no idea why ai have been cautioned when my insurance company has already settled in September. Strange thing is they didnt leave any paperwork either so I have got no paper trail, they came took my details, confirmed it was me driving and then said youll hear from proscurator fiscal and then left. I was almost in tears and then hubby said to try posting on this website
    Originally posted by th3 ax3
    Civil liability and criminal liability are separate.

    The payout by your insurance company was to make good the repairs, not to discharge liability of the criminal offences. The bad news is that failing to stop & failing to report are separate offences.

    If you really weren't aware of causing any damage then ideally you would have argued the toss before your insurers settled the claim in september.

    As others have said, if/once you receive documentation through, get proper advice.
    Money doesn't solve poverty.....it creates it.
    • Aretnap
    • By Aretnap 3rd Dec 17, 10:29 PM
    • 2,842 Posts
    • 2,338 Thanks
    Aretnap
    Do the police normally get involved at all, if the accident took place on private land?
    Originally posted by Money_Grabber13579
    A car park is a public place if the general public use it. Who owns it is irrelevant. So no it's not unusual for the police to get involved on an accident in a privately owned (eg supermarket) car park.
    Last edited by Aretnap; 03-12-2017 at 10:32 PM.
    • maninthestreet
    • By maninthestreet 3rd Dec 17, 11:21 PM
    • 15,155 Posts
    • 13,582 Thanks
    maninthestreet
    You need the CCTV footage to see if you really did hit the other car.
    "You were only supposed to blow the bl**dy doors off!!"
    • pappa golf
    • By pappa golf 4th Dec 17, 12:34 AM
    • 7,711 Posts
    • 7,986 Thanks
    pappa golf
    why was CCTV footage passed to a private company?


    what date was this incident supposed to have happened?
    • wgl2014
    • By wgl2014 4th Dec 17, 10:18 AM
    • 411 Posts
    • 241 Thanks
    wgl2014
    Seems a waste of Police resources to bother investigating this but there you go.....

    You would seem to have a defence that you were unaware of the collision and therefore could not be expected to stop/ exchange details but it doesn't do you any favours that you moved to a different space immediately after the supposed collision.

    If it comes back that you have to go to court (and it may not, police of PF may decide it's not worth proceeding with) you will have time to decide what to do.

    I would want to see the CCTV and find out what damage was caused to the other car before running with an unaware defence.
    • th3 ax3
    • By th3 ax3 5th Dec 17, 1:17 AM
    • 8 Posts
    • 0 Thanks
    th3 ax3
    Thanks guys, really do appreciate all the advice. Going to contact insurance company re possible legal cover and will try seeing the cctv footage as well of this incident in June!
    • sleepyjones
    • By sleepyjones 11th Dec 17, 7:49 PM
    • 3,704 Posts
    • 291,417 Thanks
    sleepyjones
    If you received the letter in July and only bought the car in March then there's a possiblility that it was the previous owner?
    Did they tell you the date / is there a date stamp on the CCTV footage?
    • elsien
    • By elsien 11th Dec 17, 7:56 PM
    • 15,419 Posts
    • 38,709 Thanks
    elsien
    So why did you move your car to a different space on the night of the incident?
    Originally posted by BoGoF
    Because you've realised the space is a bit tight and decided to look for a better one? I've done that before now and managed to not hit anyone in the process.
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

973Posts Today

6,280Users online

Martin's Twitter
  • RT @SF_England: @MartinSLewis Thanks Martin, just so everyone is aware- check your payslips between when you graduated and the following Ap?

  • Sorry to bubble burst. But each day a lot of people tweet me this. I think it doesn't show any other votes until t? https://t.co/uRny62NRc1

  • Today's Twitter poll: I want to find out are people generally happy. So how happy are you today? PS I did the same? https://t.co/3Gw9ylu2H2

  • Follow Martin