Driver reversed into me from driveway

WastingMyTime

Your insurance company are being lazy. You really need to call them constantly and tell them that you are not satisfied with their advice. Take it higher up the food chain as well and start making them earn their money.

If everyone who banged into a car chose to say that it was a 50/50 fault, the insurance will never be paying out.

Go to CAB for advice as well as this stalemate is intolerable.

The only one who is suffering is you, so start demanding action and don't settle with the insurance telling you they can't do anything.

scotsbob

Other driver reversed into main road, that driver is at fault.

Other driver left the scene of an accident without stopping, that driver is at fault.

Notify police of failure to stop then get your car fixed and send the other driver the bill.

netlang

I did a similar thing last year whereby I reversed out of my drive and hit a car parked opposite and partially obstructing my exit from my driveway. It was entirely my fault as I hit a stationery car and I owned up immediately.

A few years ago my wife was sitting in her parked car (in a parking space) with the engine switched off and another car hit her rear door. The case ended up in court and unbelievably the judge said she was at fault. The insurance company completely disagreed with the verdict and did not take her NCB off her and they said it would cost them too much to appeal. It might have been because the insurance company sent a barrister to the court and the other party represented himself so the Judge took his side.

So who knows what the outcome would likely be

scaredofdebt

Which insurance company is it OP? I'll avoid them if I can.

atrixblue.-MFR-.

he was reversing into main road he collided with you end of.

tell your insurance co to develop a back bone.

andygb

atrixblue.-MFR-. wrote: »

he was reversing into main road he collided with you end of.

tell your insurance co to develop a back bone.

I agree, but I do hope that both parties are not insured by the same company, because this sounds like a common tactic to me.

longtimelurkersam

Actually there is a way for your insurer to proceed without the repairs being undertaken or you paying your excess etc. If you can convince a garage to give you a pro-forma invoice and NOT an estimate/quote this will be sufficient for them to start proceedings. I say “convince” as not all garages get what you are after and think you are pulling a fast one.

What it means is that the pro-forma invoice is the price the garage agree to do the work for and if they take a panel off and it is worse underneath then that is their tough luck, the insurers will pay no more (although they may come directly after you) I don’t know the extent of your damage and whether a garage might think there may be underlying damage but this could be a way to move it forward.

I know about it as I am in the same position and a year later my insurer is issuing proceedings based on this. I had the bumper removed and it was evident that whilst some minor damage to panels it was superficial and so the pro-forma invoice was prepared with this knowledge in mind.

arcon5

Can you have your mate repair it for cheaper then sue the guy for the repair costs? He'll pass details of the claim to the insurer but it'll progress.

Strider590

When you say he's now claiming it was 50/50, is that from his mouth or is his insurance company saying this?

They nearly always claim this, even before the 3rd party sends in their report.

Tilt

This is silly.

Assuming you have fully comp cover, your insurers are obliged to deal with the matter. You may have to pay your excess when the car is repaired but that is all.

Your excess is then recovered from the third party along with any other un-insured losses (such as car hire etc).

As previously mentioned, it is an offence to leave the scene of an accident without exchanging details and you should of reported the matter to the police within 24 hours of the incident.