Hit & Run my parked car. One independent witness. Best way to deal.

Tilt

Silver-Surfer wrote: »

Well they had a look and it was the same colour. I wouldn't be giving the op any hope it would be actually tested as that's never going to happen for a damage only bump.

Not giving any hope, just telling it as it was about 25 years ago. I agree that unless we are talking injuries, the police aren't going to go that far these days. In any event, the OP could go after the RK of the car directly after obtaining the details from the DVLA and have a court decide (if necessary).

dimension7

If my insurer is successful in getting their claim recovered from the third party eventually, is there is way for me to recover my access from the TP insurance directly, now that I have informed them.

tripled

If your insurer recovers the full cost of the claim from the third party, your insurer should refund your excess.

rudekid48

tripled wrote: »

If your insurer recovers the full cost of the claim from the third party, your insurer should refund your excess.

No. Your excess is an uninsured loss, you have to reclaim it yourself from the TP insurer. More often than not it is not your insurer that you pay the excess to but the repairing garage, or it is deducted from any total loss payout.

dimension7

rudekid48 wrote: »

No. Your excess is an uninsured loss, you have to reclaim it yourself from the TP insurer. More often than not it is not your insurer that you pay the excess to but the repairing garage, or it is deducted from any total loss payout.

Okay so what would be the process of claiming it back if my insurer has successfully recovered their loss from TP. Do you know?

Would it be relatively straightforward or more complicated.

rudekid48

dimension7 wrote: »

Okay so what would be the process of claiming it back if my insurer has successfully recovered their loss from TP. Do you know?

Would it be relatively straightforward or more complicated.

If the claim is settled in your favour then a quick letter with a copy of the receipt should be sufficient.

tripled

rudekid48 wrote: »

No. Your excess is an uninsured loss, you have to reclaim it yourself from the TP insurer. More often than not it is not your insurer that you pay the excess to but the repairing garage, or it is deducted from any total loss payout.

So lets say I had a claim against a third party and my insurer handled it (or passed it on to a claims management firm), they would claim the costs minus the excess and leave me to pursue the difference?

My understanding was they would retain it unless/until they got the full value of the claim back. In my case, because I went direct to the third party insurance I didn't have to worry about any of this!

rudekid48

tripled wrote: »

So lets say I had a claim against a third party and my insurer handled it (or passed it on to a claims management firm), they would claim the costs minus the excess and leave me to pursue the difference?

My understanding was they would retain it unless/until they got the full value of the claim back. In my case, because I went direct to the third party insurance I didn't have to worry about any of this!

Your own insurer will not refund or pursue any excess that you have paid out. That's the point of an excess - you agree to pay x amount of any claim yourself. It is therefore an uninsured loss and so not covered by your own policy. It can be claimed back from the TP insurer though for a non fault claim or in part for split liability. You can either DIY the claim or use a claims handler / accident management co.
It can be confusing now with some insurers (e.g. Admiral) automatically palming people off to accident management co's, which can make people think that it is their own insurer claiming things back for them.

dimension7

Either way it seems to me now that allowing my insurer to pursue the claim on my behalf is the best option. The evidence I have is quite strong. While there has been a lot of "Nothing will happen" in this thread, I think there is a case to pursue this, otherwise we'd all be damaging each others cars and walking away, no sweat.

Its the only way the other party insurer will have to pursue to defend the claim I am making. Given I have had my long weekend ruined, I would like the TP to try and defend themselves, let them try running around for a change.

neilmcl

dimension7 wrote: »

Either way it seems to me now that allowing my insurer to pursue the claim on my behalf is the best option. The evidence I have is quite strong. While there has been a lot of "Nothing will happen" in this thread, I think there is a case to pursue this, otherwise we'd all be damaging each others cars and walking away, no sweat.

Its the only way the other party insurer will have to pursue to defend the claim I am making. Given I have had my long weekend ruined, I would like the TP to try and defend themselves, let them try running around for a change.

Why have you concluded that? You've only spoken to the TP insurer today, give them a bit of time to contact their customer.