Hit & run and insurance UPDATE

MrsE_2

SailorSam wrote: »

The 'insurance pot' that you can claim from if you are hit by a hit and run driver will only cover damage to the vehicle, not for personal injuries.
The other option for personal injuries would be to claim from the 'Criminal Injuries' but i don't think in this case you could, your husband has not been off work long enough.

Wonder why the insurance company seem so keen to get involved then

mcjordi

hi mrsE..
as other have said ignore that hatefilled troll
but get the car checked asap as a bump on the tow bar can cause unseen damage underneath such as a damaged chasis and also the inside of the bumper could be damaged as they are not designed to take 2 or more smacks
Hope MrE gets well soon...

iamana1ias

His premiums will increase now anyway because of the accident regardless of whether he claims. He'll have to declare it for 3-5 years.

You may have been better posting this on the insurance forum, by the way.

(And it's P-R-Escription )

Inactive

SailorSam wrote: »

The 'insurance pot' that you can claim from if you are hit by a hit and run driver will only cover damage to the vehicle, not for personal injuries.
The other option for personal injuries would be to claim from the 'Criminal Injuries' but i don't think in this case you could, your husband has not been off work long enough.

Things must have changed then, my neighbour got a pay out from the " insurance pot " for injuries that he received from an uninsured driver, but that was while ago.

MrsE_2

mcjordi wrote: »

hi mrsE..
as other have said ignore that hatefilled troll
but get the car checked asap as a bump on the tow bar can cause unseen damage underneath such as a damaged chasis and also the inside of the bumper could be damaged as they are not designed to take 2 or more smacks
Hope MrE gets well soon...

I did wonder that.

I haven't mentioned it to him, thought I would wait a few days.

Lucky its a good big towbar & she hit it square on, so cracked it & they bumped off each other.

Fairly sturdy van though, not a tinny transit, it was a VW transporter.

Amazing to think a nearly middle-aged woman is driving with false plates in central London & is prepared to run someone over so as to not be stopped


ETA, thank you, he is feeling a little better everyday.
If his spine wasn't a bit "delicate" it wouldn't have been nearly so painful.
I wrote a car off a couple of years ago, left the road on ice, skid sent me faster & faster and I ended up in a ditch. Was really sore for a couple of days but no lasting damage (besides a mortal fear of icy mornings).

mcjordi

you dont have to take it to ford. a local accident repair centre could and usually do a free qoute and should be able to tell if theres any damage..

yeah i hate the ice and snow too

goldspanners

MrsE, im shocked that you found some of the replies shocking.
after the thread about your daughters accident and the replies you received on that why would some of the replies on this thread shock you after knowing what some folk on here are like.
dont listen to the ones telling you not to claim. if it was me who had been rear ended by someone with fake plates threatening to run me over i would be claiming and especially seeing as he lost 4 days of work,as a taxi driver if he isnt working then he isnt getting paid so its not in his interest to stay off work.

MrsE_2

mcjordi wrote: »

you dont have to take it to ford. a local accident repair centre could and usually do a free qoute and should be able to tell if theres any damage..

yeah i hate the ice and snow too

He only takes it to Ford:rolleyes::rolleyes::rolleyes::rolleyes::rolleyes::rolleyes::rolleyes:

I have a 3 mile drive before I reach gritted roads in the winter:eek::eek::eek:

MrsE_2

goldspanners wrote: »

MrsE, im shocked that you found some of the replies shocking.
after the thread about your daughters accident and the replies you received on that why would some of the replies on this thread shock you after knowing what some folk on here are like.
dont listen to the ones telling you not to claim. if it was me who had been rear ended by someone with fake plates threatening to run me over i would be claiming and especially seeing as he lost 4 days of work,as a taxi driver if he isnt working then he isnt getting paid so its not in his interest to stay off work.

Thanks DD claim is looking good (at least the woman who crossed a main road in front of her without looking stopped).
They (her & her insurers) just won't respond. DDs have given them 21 days.
But she will still suffer with her preimums next year, despite the other lady crossing a major road without looking/giving way.
DD has a car she bought brand new 2 months before which has been in an accident, it must affect the value a little?

My one & only ever insurance claim was all my fault (& thankfully no other party involved) & my insurance is starting to come down again;)
Quoted less than £400 this year:j
Shame my road tax will be nearly that soon the way they are putting it up:mad::mad::mad:

ETA, still not sure if its worth him claming, what with a £400 (quoted above) & the likelyhood they will just increase his premiums.

Quentin

Inactive wrote: »

Indeed, however they will consider a claim for injury.

No, this is bad advice.

Your own motor insurance policy doesn't cover you for sustaining injuries yourself, (but does cover you should a third party make a claim against you for causing injury to them)