Hit & run and insurance UPDATE

MrsE_2

I posted this in the arms wondering about punishment, now I would like some advive on insurance.

DH had an accident last week.

He was waiting at the lights (red), when a van hit him from behind.

He didn't see her coming in the mirror, so was really shocked at the jolt (she hit his big tow bar so thankfully no damage to his car).

He took a moment to gather his wits & then jumped out, as he got out he realised she was reversing & trying to drive away.

So he jumped in front of the van & shouted at her to stop & she started hitting him (not hard but threateningly with the van), she screamed if he didn't get out of the way she was going to run him over.

While this was going on, he was shouting for someone/anyone to call the police (his phone was in the car), a passerby did & photographed her van with the reg number;)

DH spoke to the police & they told him to download a foam, fill it in & return it (which he has). He was still in shock directly after it happened & told them "she was going to run me over", not SHE DID HIT ME A FEW TIMES TO TRY & SCARE ME OUT OF THE WAY.

Now I think there is a major difference there.

He handed the form in this morning & they said they would be in touch in about two weeks.

UPDATE

Wasn't just no papers, turns out it was totally false plates & all.


ETA
DH says she had some front driving a van with false plates in that area - as there are loads of police cars with yabbadabadoo machines.........
Makes you wonder what she had in the van that she was prepared to run someone over to escape being stopped by the police..........

So how do things stand if he claims on insurance for the few days loss of earnings he's had?
As he has no one to claim from, is he claiming from himself?
In other words will they only get any payout back in increased premiums?

SECOND UPDATE
Police contacted the witness & he still had the pic on his phone. DH had taken the number down wrong (remember he had just been smacked from behind in his car & then hit bodily in the front a few times by the van).
He had to go in this morning & give a statement, after he had done so the police said the witness had said the same (DH wasn't sure how long he was there & if he had seen it all).
They also told DH she was "known" to them & had an other incident not too long ago & they would phone her & tell her to come in.

I don't think he said to them to look at the CCTV (traffic lights on the Kings Road, there must be CCTV), but they know that anyway, they must do.

So just have to wait for them to get back in touch with him I guess.

He also has an appointment with a doctor today (from his insurance) about his back, because he's still pretty bad on & off. He has lost quite a few £££ in work:(

Third update
Well she turned up at the police station to be interviewed WITH a solicitor in tow, denied hitting his car & said he was the aggressor (aggressor in what if she didn't do anything;)).
If she was accosted by an aggressive man why not report it to the police;)
Thankfully the witness tells the real story & she's "known" to the local police station anyway.
So its with the CPS, fingers crossed they will prosecute her.

Forth update
She was found guilty today:j:j:j:j
Sentencing will be done another day:T
There is Justice

She used the frightened woman, but it didn't wash as
1. DH had a very credible witness
2. It was rush hour the Kings Road - so hardly alone with him.
3. She didn't go to the police until she was forced too after they tracked her down.

FIFTH UPDATE.
She got community service:D
Shes got to pay compensation (does my DH get this?)
She has costs to pay:)

CHR15

Why has he lost earnings? I thought there was no damage to his car

MrsE_2

CHR15 wrote: »

Why has he lost earnings? I thought there was no damage to his car

4 & a half days.

His back is sore (he went to hospital on the day & doctors a couple of days later), he has a pre-existing back condition (major op a few years ago) & anything like this (or gardening or even lifting a case the wrong way) can hurt his back.

Inactive

But there is, he can claim from the uninsured scheme that is available, or from his own insurers of course.

MrsE_2

Wow frankly I'm stunned.

He was hit from behind by a hit & run illegal van driver with false number plates, who then attempted to run him over in her quest to escape before the police were called, actually was hit a few times with the van in the body.

He's self employed & lost 4.5 days of work & you suggest he shouldn't try & claim his loss of earnings back, that apart from the accident & the attempt at running him over he should just take the financial hit & swallow it?

He's no shirker-bad-back-on-benefits, he works damn hard & we claim nothing, just pay in. How dare you suggest he's a faker. He had a major op about 7 years ago, the outcome was reduced pain or a wheelchair - depending on how it went. He plumped for the op & risked the wheelchair because of the constant pain he suffered. Wonder how many on benefits with a bad back would risk that sort of op?

Is it so wrong to try & claim his loss of earnings from his insurance? Isn't that partly why he pays it? (a few thousand a year).

MrsE_2

master_of_nothing wrote: »

i cant see how a no damage accident would cause a bad back

bet he was gutted theres no one to claim money from

He already had the bad back.

The reason their was no damage to his is because she hit his large tow bar. Had she not have been trying to run him over the likelyhood is the inprint of his towbar will be in the front of the van.

MrsE_2

master_of_nothing wrote: »

Do you know more than you are letting on

How do you know the driver was 'illegal'

There is no trace, the police have confirmed its not a real plate.

I'm unsure why you are so hostile to the victim here

MrsE_2

master_of_nothing wrote: »

you do realise that a tow bar does not prevent your car being damaged. If his car was not damaged, i cant see how he wasnt

The tow bar is joined to the car, its not held in place by a magic magnet

Whatever, because of this criminal he lost 4 & a half days of work.

Why are you so hostile to him?

Inactive

MrsE wrote: »

Whatever, because of this criminal he lost 4 & a half days of work.

Why are you so hostile to him?

Ignore him Mrs E. it seems that he/she is hostile to everyone on here, our latest troll it seems.:rolleyes:

MrsE_2

master_of_nothing wrote: »

i cant see how an accident can be so bad to damage his back, but not cause any damage to his car

Either there is damage (you will need to get under the car and have a look at where to tow bar joins the chassis) or this is just compensation culture

So if illegal drivers hit us out & about and we loose earnings (& buy perscriptions) we should all smile sweetly & suffer it.

I guess you are employed & earn when you are off sick?

MrsE_2

Inactive wrote: »

But there is, he can claim from the uninsured scheme that is available, or from his own insurers of course.

He's worried that if he does this, they will just get it back in premiums

So he's wondering is it best to just suffer the loss of earnings incase the premium load is greater:mad:

Any opinions?