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I had a car accident what do i need to do

samsung_laptop
samsung_laptop Posts: 301 Forumite
in Motoring
Can someone tell me what I need to do as earlier today someone drove in to the back of my car. When the person got out the car he said his car was going for a mot next week but I didn't think nothing of it at the time, I then asked him for his details and he went back to the car and started to phone someone, He then came back and said his dads coming now and they will pay to have my car repaired without going through the insurance, So I said I will get a few quotes and get back to them but I think it's going to cost more than the cars worth so if I go through the insurance they will write it off. I then took the car to my mate as something was rubbing and when I told him he mentioned the mot he checked dvla website and it's showing the mot run out last month and the tax was due the beginning of this month. So what should I do now as I've never had a accident.
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Comments

  • Torry_Quine
    Torry_Quine Posts: 18,887 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    You need to contact your insurer which you needed to do even if settled privately.
    Lost my soulmate so life is empty.

    I can bear pain myself, he said softly, but I couldna bear yours. That would take more strength than I have -
    Diana Gabaldon, Outlander
  • samsung_laptop
    samsung_laptop Posts: 301 Forumite
    Why do I need to contact them
  • Silver-Surfer_2
    Silver-Surfer_2 Posts: 1,850 Forumite
    samsung_laptop wrote: »
    Why do I need to contact them

    Because you've had ab accident and agreed to inform them when you took out the policy.
  • Mr.Generous
    Mr.Generous Posts: 4,022 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    contact them urgently before the other guy denys everything. hopefully you took some pics?
    Mr Generous - Landlord for more than 10 years. Generous? - Possibly but sarcastic more likely.
  • Silver-Surfer_2
    Silver-Surfer_2 Posts: 1,850 Forumite
    samsung_laptop wrote: »
    Can someone tell me what I need to do as earlier today someone drove in to the back of my car. When the person got out the car he said his car was going for a mot next week but I didn't think nothing of it at the time, I then asked him for his details and he went back to the car and started to phone someone, He then came back and said his dads coming now and they will pay to have my car repaired without going through the insurance, So I said I will get a few quotes and get back to them but I think it's going to cost more than the cars worth so if I go through the insurance they will write it off. I then took the car to my mate as something was rubbing and when I told him he mentioned the mot he checked dvla website and it's showing the mot run out last month and the tax was due the beginning of this month. So what should I do now as I've never had a accident.

    Who's tax and mot ran out yours or his?

    See if he has insurance here. https://ownvehicle.askmid.com
  • samsung_laptop
    samsung_laptop Posts: 301 Forumite
    Mr.Generous wrote: »
    contact them urgently before the other guy denys everything. hopefully you took some pics?
    No the camera on my phone is broken.
  • Silver-Surfer_2
    Silver-Surfer_2 Posts: 1,850 Forumite
    samsung_laptop wrote: »
    No the camera on my phone is broken.


    But you have his name and address, registration number and the name and address of the owner if it's not his car?
  • forgotmyname
    forgotmyname Posts: 32,956 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Because you had an accident and they need to be notified. There is a chance that they will say its too costly and they cannot afford it.

    You insurance will wonder why it took you so long to notify them.
    Censorship Reigns Supreme in Troll City...

  • marleyboy
    marleyboy Posts: 16,698 Forumite
    10,000 Posts Combo Breaker
    You NEED to declare it with your insurance, regardless of whether you settle outside the policy. Do it A.S.A.P. Hopefully you have the other drivers details, leave it any longer than you already have, there is nothing to stop the other driver denying any knowledge of the accident.
    :A:dance:1+1+1=1:dance::A
    "Marleyboy you are a legend!"
    MarleyBoy "You are the Greatest"
    Marleyboy You Are A Legend!
    Marleyboy speaks sense
    marleyboy (total legend)
    Marleyboy - You are, indeed, a legend.
  • samsung_laptop
    samsung_laptop Posts: 301 Forumite
    Silver-Surfer wrote: »
    Who's tax and mot ran out yours or his?

    See if he has insurance here. https://ownvehicle.askmid.com
    His vehicle is showing as no mot or tax. I've just checked and his car does have insurance.
This discussion has been closed.
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