Car accident

Ebe_Scrooge

In that case I'd go directly to the other guy's insurance. With 2 independent witnesses it should be pretty clear-cut. ( You're right, your girlfriend would not be classed as independent ).

tykesi

Sounds like you've got an excellent case. I think I'd contact his insurer in the first instance like you say and see if they'll deal with you. It'll work out cheaper for them in the long run to deal directly with you I think so makes sense that they would do it. If not, a credit hire company is the place to start, you claiming through your insurer would be the last resort.

Good luck

thegentleway

Thank you for the advice, much appreciated.

McKneff

If you have 2 independent witnesses then go for number 3, by far the quickest and cleanest.....

InsideInsurance

thegentleway wrote: »

Thanks. I do not have legal cover so option 1 is out. I guess I should approach his insurer directly in the first instance. If they don't deal with me then I will use an accident management co. Has anyone dealt with them?

1) isnt out, its a simple letter you have to write with a photocopy of your receipt of paying your excess or letter from your insurer showing the excess was deducted if its a total loss.

Claiming directly from the TPI is certainly the best option, assuming you havent started anything with your own insurer other than reporting it, but just because they will be liable based on witnesses etc that wont mean they will roll over instantly to admit it and if you are worried about recovering your excess then negotiating liability is certainly more challenging than that.

Strider590

thegentleway wrote: »

Hi,

Some kid ran into the back of my car last night. He did not give me his insurance details and sped off.

Just curious as to how you know it was a "kid"?

It was night (by your own admission), it happened behind you and he sped off. You'd have had a fraction of a second to look at the driver and even if it were daylight, that probably wouldn't have been enough time to get a look at him.

Was this accident the culmination of a series of events with this person?
If your in contact with the Police over this and you fail to disclose what might seem to be irrelevant information, then any legal action against them could easily fail.

AdrianC

thegentleway wrote: »

I really can’t see how he could dispute liability. He ran into the back of me and two witness saw the event. I really can't see how more clear cut it could be?

It wasn't him, he wasn't there, the plate was cloned, you wrote it down wrongly, his car was at the garage...

thegentleway

InsideInsurance wrote: »

1) isnt out, its a simple letter you have to write with a photocopy of your receipt of paying your excess or letter from your insurer showing the excess was deducted if its a total loss.

Claiming directly from the TPI is certainly the best option, assuming you havent started anything with your own insurer other than reporting it, but just because they will be liable based on witnesses etc that wont mean they will roll over instantly to admit it and if you are worried about recovering your excess then negotiating liability is certainly more challenging than that.

I started a claim with my insurance company as I thought that's what I was supposed to do. I have given them all the information but since then I have e-mailed them to inform them that I will be claiming directly from the third party.

thegentleway

Strider590 wrote: »

Just curious as to how you know it was a "kid"?

It was night (by your own admission), it happened behind you and he sped off. You'd have had a fraction of a second to look at the driver and even if it were daylight, that probably wouldn't have been enough time to get a look at him.

Was this accident the culmination of a series of events with this person?
If your in contact with the Police over this and you fail to disclose what might seem to be irrelevant information, then any legal action against them could easily fail.

He came out of the car and gave me some abuse. I got to see the driver very clearly and asked him three times for his insurance details. I would be able to recognise him. The accident occured after a series of events but I have given the police all the information.

thegentleway

AdrianC wrote: »

It wasn't him, he wasn't there, the plate was cloned, you wrote it down wrongly, his car was at the garage...

I can recognise the driver and so can two independent witnesses, the plate matches the make, model, and colour of the car I described. There is CCTV on the roundabout before the incident. I really can't see how he can wriggle out of this one.