Damage to boundary wall by car

Rummy123

Hello
I've moved and my house has been empty for a while. During that time a car drove into my back boundary wall and demolished it - 6 metres worth. When we found it we made enquiries of the police and LA but no-one could tell us what had happened. We had the wall rebuilt ourselves (not to the same standard ie block not brick due to cost). Since then we've met the driver responsible who tells us he informed his insurers (they never contacted us) and had assumed the case was resolved. We're now chasing up with his insurers but they're asking us for photo's etc before and after (which we don't have) and all the bills (which we haven't kept). What can we do? We didn't claim on our insurance by the way.
Thank-you

InsideInsurance

With no evidence of the damage nor any receipts for its repair you are going to significantly struggle. What sort of value were the repair costs?

Is the rest of the wall still brick and just one section block or did you replace the whole wall with block?

The TP is admitting damage, as long as the value is relatively small the insurer may agree to make the payment simply to save the cost of arguing and messing about but it effectively would be a goodwill gesture.

Rummy123

Hello
Thanks for replying. The total cost was £1900, about half of which was labour. Of course, we are now kicking ourselves for not getting all the evidence etc beforehand.

The damaged wall was a side boundary wall so all 6m was replaced with block. The rear facing part of the wall remains Accrington brick.

Many thanks

tasticz

can you ask the person who damaged your wall to see if they took any pics of the damage?

you need to be careful though how you word it as if they sense you have no pics they might say no then your back to square one. you need to make them believe something like you don't want to claim extra so if they have any pics to compare or something...

Aretnap

Can whoever did the work provide copies of the invoices - or some of them at least?

somethingcorporate

Agreed, ask the people that built your wall for a copy of the invoice, it'll be better than nothing.

[Deleted User]

Out of curiosity if the insurance company knew about the damage and knew you didn't know who caused it. What is their defence with regards to not contacting you? Surely they are legally obliged to make contact?
After all they knew the location etc and if the driver admitted it to them their surely in a very precarious position?

TSx

newbieboy wrote: »

Out of curiosity if the insurance company knew about the damage and knew you didn't know who caused it. What is their defence with regards to not contacting you? Surely they are legally obliged to make contact?
After all they knew the location etc and if the driver admitted it to them their surely in a very precarious position?

Their job is to defend their policyholder. and pay out in the event of there being legal liability. Ultimately, they only need become involved if a court claim is made (although obviously it makes sense for them to be involved before hand).

They certainly have no obligation to contact the third party, and unfortunately, if you want to make a claim, you need to have evidence to be able to support it.

[Deleted User]

True true.

Surely if the car driver reported to police as he is legally required to it should have gotten reported to the OP though?

Failure to report accident?

Aretnap

On the face of it the driver is certainly guilty of failure to report an accident - he should have reported it to the police as well as his insurers. However his insurers don't have an equivalent obligation AFAIK and the fact that he failed to report it doesn't really affect their liability - the OP can still only claim for losses he can provide evidence of.