Advice! Someone crashed into my parked car

Tilt

APK2013 wrote: »

I don't have a problem paying the insurance company. If I make a claim on my insurance I'll gladly pay it.

I'm simply asking my insurance to do their job and act on the incident. Isn't that what I paid for? Fully comp insurance with legal cover? Why would I then have to pay my excess for them to participate with the legal proceedings?

Well unfortunately this is when you find out how good your insurance company really are... when you need em most!!!

Tilt

APK2013 wrote: »

If I pay my excess then my insurance premium will go up for the next 5 years. Probably averaging the same price as to get the car fixed - a max of £1,500.

If I can't get the 3rd party to claim then I'd rather pay for the repair myself and keep it away from the insurance company for the sake of my premium going up for a no fault claim...

You still have the option of taking the matter through the small claims court. The threat of that my change things dramatically.

AdrianC

APK2013 wrote: »

I'm simply asking my insurance to do their job and act on the incident.

They have already.

Isn't that what I paid for?

Yep.

Fully comp insurance

Which means they will pay for damage to your own car.

with legal cover?

Who you've already consulted, and they've said that you have no leg to stand on.

Why would I then have to pay my excess

Because if you claim, then your insurer are paying out. You will have made a claim on your policy.

for them to participate with the legal proceedings?

Because the legal proceedings stand no chance of success.

APK2013

Thank you everyone for the advice - all taken on board.

If you are interested in the outcome I'll post an update when Diamond get an "updated" witness statement from the taxi driver.

Thanks again!

Tilt

But the OP has a witness to say that the TP was there... that's providing the witness will either do an affidavit or even better, attend court himself.

AdrianC

Tilt wrote: »

But the OP has a witness to say that the TP was there... that's providing the witness will either do an affidavit or even better, attend court himself.

Not quite.

The OP has a witness to say _somebody_ hit his car then drove off.
He also has a piece of paper with a phone number and a registration.

BUT

He has nothing but supposition to say those details relate to the person who hit the car. The witness certainly can't testify that they do.

APK2013

The witness saw the offender because he..."got out to check the damage to his own car, then drove off". Or words to that effect.

The witness confirmed the reg of the car and provided the description of the driver.

I parked infront of the taxi, so he would have only been a Corsa away.

AdrianC

APK2013 wrote: »

The witness confirmed the reg of the car

Did he?
<goes back to re-read>
Ah, yes - you slipped it in to post 7. Sorry, I missed that first time round.

OK, that's definitely stronger, but it's still not watertight - they could easily be cloned plates. The second note may have been left by another witness, with their own phone number. Why aren't they answering it? <shrug>

Stoke

Fill us in on how it goes. I've really had enough of people driving off after an accident. I see it regularly. I've seen someone physically dent a door to the point that it couldn't be opened yet drive off. Luckily, I was there to provide a witness statement for the victim.

Strider590

APK2013 wrote: »

What can I do here? The guy is now denying he was there and there was no incident citing "no damage to his car". My insurance company (Diamond) are saying that witness statements don't mean anything...but they have asked the taxi driver again for a detailed description of the car and driver.

All Diamond are interested in is me paying my excess and losing my no claims rather than getting the 3rd party insurance to pay. So far I've refused to pay it.

They (the other insurance co) always deny liability in these cases, I had the exact same happen to me, paid my excess, then got paid back after it was all settled.