Traffic lights car went into the back of my car..

chinna

Hi,
Monday was staionary at the traffic lights, a woman went into the back of my car with her car. We parked up further down the road and she apologised, she said no damage on mines and hers, said to her I will take to garage and she can come with me she agreed for tues.
Monday evening she texts and says she wants to come with her husband to check car and can I have your address which I give, then she texts back for number plate which I give her.

She then says she can't make it, told her I will be home Tuesday, she then goes there was no damage. Doesn't come Tuesday so I text her in morning to ask insurance details no reply all day, I go to police station and officer goes your insurance company will do that for you.

So I ring her at 4:30 no answer, now she texts me her insurance details and incident number, and says I have not given her mines.

Don't have no witnesses has everyone just drove off, but I do have recording on my phone where she says sorry and that she didn't brake etc...

Never been involved in anything like this before but it comes across as she's planning something, might be wrong but something does not seem right.

Just wanted some advice or hopefully someone would gain something from this..

Thanks for your help.

Retrogamer

It does seem a little strange.

You've forfilled your obligation to her by giving her your name and address details.
Insurance details aren't mandatory.

You could tell her you haven't given her your insurance details as you weren't liable for the accident but that might change the tone of how things are progressing just now.

Did you get the car checked over?
If not, i would get a garage to check over everything on the rear end. Sometimes there is damage underneath behind the bumper or inside the boot under carpets. You could get a hose pipe and use it to spray water all over the boot area to make sure there are no leaks (sometimes slight impacts can distort the shell and are is difficult to see)

With the way she's acting though it might be worth informing your insurance of the accident for notification purposes only. This "may" affect your premium next renewal as some insurers (but not all) will increase premiums for non fault accidents.
It means your insurance can't come back and bite you later with non declared accidents and if the third party is really planning something (hopefully not) it puts you in a much better position than telling them at the last minute.

chinna

Retrogamer wrote: »

It does seem a little strange.

You've forfilled your obligation to her by giving her your name and address details.
Insurance details aren't mandatory.

You could tell her you haven't given her your insurance details as you weren't liable for the accident but that might change the tone of how things are progressing just now.

Did you get the car checked over?
If not, i would get a garage to check over everything on the rear end. Sometimes there is damage underneath behind the bumper or inside the boot under carpets. You could get a hose pipe and use it to spray water all over the boot area to make sure there are no leaks (sometimes slight impacts can distort the shell and are is difficult to see)

With the way she's acting though it might be worth informing your insurance of the accident for notification purposes only. This "may" affect your premium next renewal as some insurers (but not all) will increase premiums for non fault accidents.
It means your insurance can't come back and bite you later with non declared accidents and if the third party is really planning something (hopefully not) it puts you in a much better position than telling them at the last minute.

Thanks for your reply. You have good knowledge. Will keep this updated.

Just been to see my brother in law who was involved in something similar. Told me that the 3rd party at no time asked for his insurance. Their insurance contacted him direct to arrange everything courtesy car repairs etc. As the 3rd party was at fault. His insurance was not involved.

Shown him the video after the incident and he was surprised that the woman would do anything as she clearly admits liability. Unless he said she didn't know it was on record but it was right in front of her.

So will do this tomorrow go to a garage to check over the car. Do not want to go through insurance incase I end up paying.
Then will notify insurance company tomorrow.

If anyone as more advice please add.

Thanks.

rudekid48

If you have got her insurance details then all you need to do is contact them yourself and ask to speak to their Third Party Claims team. Liability will not be an issue if she drove into the back of you. They will then arrange for your car to be inspected / repaired and should provide you with a hire car whilst your car is away.
You should also notify your own insurer but be clear that you are telling them for information purposes only and that you plan to deal with the TP insurer yourself.

chinna

rudekid48 wrote: »

If you have got her insurance details then all you need to do is contact them yourself and ask to speak to their Third Party Claims team. Liability will not be an issue if she drove into the back of you. They will then arrange for your car to be inspected / repaired and should provide you with a hire car whilst your car is away.
You should also notify your own insurer but be clear that you are telling them for information purposes only and that you plan to deal with the TP insurer yourself.

Just an update... Before I could do anything, got phone call in morning from her insurance and surprised that we are both insured by the same insurer. They said this during the message left.

So I ring them and they say she as told them what happened and that would I like to get my car checked. I said she went into the back of my car yes I do as long as she admits liability. Then I said I only want do this this if she admits liability.
And they go by law you have to notify us and I will put you through to the claims department for notification. When I spoke to the claims department they said its recoverable and that it won't effect my no claims etc. And do I want to get car checked.
I said I do if there's damage underneath. Then they you have too pay the excess I go but you told me she was at fault. Then she goes you will get that back later without making it clear. It was like getting interrogated. They want to check my licence etc the lot.

So they are arranging for someone to look at car.

chinna

Update.. just couldn't understand why I had to pay the excess, third party and me both with the same insurance company, kept on being told that they needed to speak to the the third party. So I rang again got told they had to speak to third party. explained to them that the third party had already informed you of what had happened. Finally got to speak to someone who agreed with me and said the third party had admitted full liability so could not understand why I had to pay excess so he waived it.

londonTiger

great opportunity to catch a fraduster in the act.

you're right it's your word against hers, on the same token it's her word against yours and it's a matter of who is more beleivable. You have all the record of you attempting to contact her. Keep a screengrab of your call list. you also dont have any reason to lie - you got rearended you're the victim. (unless shes dasterdly enough to claim you reversed into her)