Can you contact other partys insurance company?

aviii

Came back to find my car had be hit.
I am awaiting to find out if i can get video evidence.
As the other driver just drive away.

Can i contact that drives insurance company and deal with them direct? Send them a quote for the damage?
Or will i still have to go through my insurance?

I have heard some people making a claim with the other drive insurance company privately and not through theirs.

I am not sure how true that is. My understand is that it will cost the insurance company less.

McKneff

You can deal directly with the other insurance compny . But you must inform your own insurance company ifmthe incident and lett them know youvare dealing with the other party yorself

McKneff

Dont send them a quote yet.mthe other driver has to accept blame first .

rs65

McKneff wrote: »

Dont send them a quote yet.mthe other driver has to accept blame first .

No need to wait. OP, send them a note of why their policyholder is responsible with an estimate of cost - or phone and they might just deal with everything for you.

dacouch

You can get the other Insurers details including their telephone number from https://www.askmid.com for a small fee (It may be free if you use your mobile to look it up)

AdrianC

Of course you can contact the other driver's insurer. They will contact their policyholder, and ask for their version of events.

Now, who's going to be surprised if they say "Nope, not me"?

Lukleton

You can contact the other drivers insurance company, but they're under no obligation to deal with you directly if they don't want to - it's in their best economic interest to do so, however if they do not feel their driver was involved or if they have issues regarding the circumstances they may refuse.

If you do decide to go through the other insurance company, you'll have to do the chasing etc on your own as your own insurance company will be unlikely to pursue them on your behalf as you'll not be issuing a claim through them.

Previous poster was correct about you having a liability to notify your insurance company of the incident though, it's likely written into your policy terms and conditions.

If you're happy to do most of the chasing, and if your car is a Total Loss to likely receive a slightly lower offer as the third party insurer tries to save costs then go ahead!

loskie

you should also report it to the police

Le_Kirk

aviii wrote: »

.....As the other driver just [STRIKE]drive [/STRIKE]drove away.

Which registration number are you going to use? Do you think you will get the number from the video?

Nasqueron

I was hit by a car when cycling. After getting back from A&E, the next day I called the insurer, as it was a weekend and I didn't have a policy number the automated system just kept kicking me out so I spoke to them on the first working day, the driver still hadn't reported it (not sure why, police attended, he was 100% at fault) and they wouldn't let me make a claim until he had spoken to them. Once he has eventually reported it they were fine with me talking to them and making a claim.

With your hit and run, unless you have proof (the CCTV showing the car clearly or a witness) you'll be stuffed as you won't know who it was. If you have proof you can start making a claim and they will have to speak to their client.