Guy hit the back of me..

Sgt_Pepper_2

sharpy2010 wrote: »

Look, not everybody is an expert in insurance, and the insurance company know that.

They won't start going "WHY HAVEN'T YOU ALREADY TOLD US ABOUT THIS???????", they'll merely note down the details and move forward with the claim.

Stop with the made up horror stories, they don't exist.

Well the op like every other insured driver got a policy document clearly stating the terms and conditions he signed up to.

What horror story have I made up?

sharpy2010

Ok perhaps not making things up, but you are certainly scaremongering for no need :-(

Sgt_Pepper_2

sharpy2010 wrote: »

Ok perhaps not making things up, but you are certainly scaremongering for no need :-(

No not scaremongering.

Read #6 where he wa, advised to inform his insurance company. If appears not to want to do so. If pushed what has the other driver got to lose by claiming off the op?

sharpy2010

All depending on the circumstances, but this certainly looks like it will go 50-50 blame, thus they'll both lose some/all of their no claims bonus.

kev225

A lot of good advice given on what your insurers tell you you must do, which is fine, but often by doing the 'right' thing you get screwed over.

A few extra questions:

• Did you give him your insurance details, policy number, etc?
• Did he take the contact number of the pedestrian witness?

If he doesn't have your policy number or the witness' contact number and if the damage was non-existent as you say, I would be inclined to simply not report the incident to your insurers and deny all knowledge if/when they inevitably call to notify you of a claim.

If he has no evidence it's simply your word against his that the incident ever occurred (he could have your details from a long list of people).

He'd lose any NCD over a tiny scratch.

He's risking having to fork out for his full excess himself.


I would answer his next call, find out his plans without admitting to anything yourself (he could be recording the phone call, not legally admissible but awkward) . Then choose what path you want to take.

Perhaps slightly immoral advice but hell, he's the one being unreasonable in the first place, right?

Sgt_Pepper_2

kev225 wrote: »

A lot of good advice given on what your insurers tell you you must do, which is fine, but often by doing the 'right' thing you get screwed over.

A few extra questions:

• Did you give him your insurance details, policy number, etc?
• Did he take the contact number of the pedestrian witness?

If he doesn't have your policy number or the witness' contact number and if the damage was non-existent as you say, I would be inclined to simply not report the incident to your insurers and deny all knowledge if/when they inevitabley call to notify you of a claim.

If he has no evidence it's simply your word against his that the incident ever occurred (he could have your details from a long list of people).

He'd lose any NCD over a tiny scratch.

He's risking having to fork out for his full excess himself.


I would answer his next call, find out his plans without admitting to anything yourself (he could be recording the phone call, not legally admissible but awkward) . Then choose what path you want to take.

Perhaps slightly immoral advice but hell, he's the one being unreasonable in the first place, right?

All he needs is the ops reg number to start a claim.

kev225

Sgt_Pepper wrote: »

All he needs is the ops reg number to start a claim.

Having the OP's reg number and address only proves he's able look at a car in the driveway of a house.

Sgt_Pepper_2

kev225 wrote: »

Having the OP's reg number and address only proves he's able look at a car in the driveway of a house.

Well if you want to play that game you could deny most collisions.

kev225

Sgt_Pepper wrote: »

Well if you want to play that game you could deny most collisions.

True, and in most situations I wouldn't condone it, however:

zudecke wrote: »

...there was a car behind me trying to squeeze past while I was clearly parking...
...There was superficial, very minor 1 scratch to his car...
...I have a witness who claims it was the other drivers fault.

I think the only way to deal with people like that is to play rough.
It's only my opinion, like I said early, perhaps not the whiter than white approach.

mum2one

newbie1980 wrote: »

she was saying he was trying to squeeze past maybe he just missjudged it!!!!!!!!!

I know she said he squeezed past, but as she was coming out of the parking space, unfortunately she would liable.

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