Urgent Help : Accident

DUTR

yaz2010 wrote: »

I have heard that in such cases, the car which was behind is held responsible. Any idea about this?

Most of the time that is the case (naturally the crash for cash ones are not) However you are in a difficult situation with regards negating liability as you say you don't even remeber the other vehicle's presence.

lincroft1710

yaz2010 wrote: »

I have heard that in such cases, the car which was behind is held responsible. Any idea about this?

You are expected to drive so that there is enough of a gap between you and the car in front so that if it comes to a sudden halt, you can stop safely without hitting it, so yes usually a rear end collision is the fault of the following vehicle.

There are exceptions.

DUTR

lincroft1710 wrote: »

You are expected to drive so that there is enough of a gap between you and the car in front so that if it comes to a sudden halt, you can stop safely without hitting it, so yes usually a rear end collision is the fault of the following vehicle.

There are exceptions.

I guess that as the OP posted " The dent is on the front bumper towards the left side and the car in front has got a dent on the right rear bumper." and it was S/S traffic I wonder if the person in front did swap lanes and hadn't realised the OP behind (perhaps in the blind spot).

Car_54

For future incidents, remenber that exchanging phone numbers is NOT enough.

First, the law requires you to give name address and reg number, and also the name and address of the owner if different, plus insurance details if anyone is injured.

Second, for your own protection, what good is a phone number if the other guy gives you a false number, doesn't answer, etc....

yaz2010

Thanks for the useful info. We have taken each other's cars photos. I have got his REG and I believe he must have taken the picture of my reg as well.

The other person said it was his girl friends car.

yaz2010

If the driver did not have insurance on that car, can they still file a claim ?

DUTR

yaz2010 wrote: »

If the driver did not have insurance on that car, can they still file a claim ?

Yes, the other driver just wouldn't have 3rd party liability cover.

McKneff

Its unlikely that the car was not insured.
Even if he as the driver was not insured to drive it, then yes a claim can still be made by the owner of
the car and especially since you are 100% to blame.


Hold your hands up to it, pass all the details on to your insurance company. That's what you pay them for .
If you don't claim for your own vehicle then you wont lose any NCD.


The person you hit only needs to inform his insurance company for info only. It is easier if he deals directly wth your insurance company and much faster

Quentin

McKneff wrote: »

Hold your hands up to it, pass all the details on to your insurance company. That's what you pay them for .
If you don't claim for your own vehicle then you wont lose any NCD.

No.

You always lose NCD (unless it is protected) when your insurer has to pay out on your behalf and no-one else can be pursued to reimburse them what you have cost them.
It makes no difference whether or not you claim for your own vehicle or a third party vehicle is the subject of the claim


Though if the OP is letting the insurer deal with the third party repairs and has damage to his own car that will cost more than his excess to repair then he may as well claim for his own repairs too, as both repairs will only count as a single claim on his record.

Car_54

yaz2010 wrote: »

Thanks for the useful info. We have taken each other's cars photos. I have got his REG and I believe he must have taken the picture of my reg as well.

The other person said it was his girl friends car.

Yes, but none of that either meets your legal obligations or, possibly more importantly, protects you if the other driver is a wrong 'un.

Could you trace him from a mobile number or a reg number if he didn't want to be traced?