Note on windscreen

Altarf

Billy_Bullocks wrote: »

There could be an independent witness, it could be on cctv. We don't know how the third party discovered who was responsible for the damage.

So with such evidence would the insurance deny the claim if the policy holder denied it and said don't pay?

Knowing how reluctant insurers are to pay out even when you are the insured, I would conclude they would refuse.

With all that evidence sue the person that caused the damage and then let them claim from their insurance. Oh whoops, you don't know who caused the damage and can't find out...

George_Michael

Altarf, for someone who professes to know so much about how insurance companies operate in the UK, I'm amazed that you didn't know anything about the motor insurance database and how anyone can get information from it.

Billy_Bullocks

Altarf wrote: »

Knowing how reluctant insurers are to pay out even when you are the insured, I would conclude they would refuse.

With all that evidence sue the person that caused the damage and then let them claim from their insurance. Oh whoops, you don't know who caused the damage and can't find out...

If they cover passenger then sue the insurance company.

Altarf

Billy_Bullocks wrote: »

If they cover passenger then sue the insurance company.

It gets better! Have you completely lost the plot?

You have no evidence of who caused the damage and you sue an insurance company.

A company that you had to establish using the insurance company database as the owner of the car didn't tell you.

A company who's policyholder has told them they know nothing about the incident.

Good luck with that.

motorguy

8elarus wrote: »

How patronising! UP YOURS!

I always wondered the mentality of people who damage other peoples cars - now i know.

dacouch

In the OP's situation, her Insurers will pay the claim against her, whether she agrees to it or not.

The law has changed since the Roberts case and now requires third party insurance to cover "Any use" rather than the old "Use" of the vehicle.

Nasqueron

Altarf wrote: »

It gets better! Have you completely lost the plot?

You have no evidence of who caused the damage and you sue an insurance company.

A company that you had to establish using the insurance company database as the owner of the car didn't tell you.

A company who's policyholder has told them they know nothing about the incident.

Good luck with that.

Unfortunately the OP put in their original post

Called insurance and then mum confessed she did open the door too wide and slammed it into a white car parked next to us. Had to ring the insurance back and change the story

and

No remorse AT ALL (may be a little for posting here), as notified the insurance company straight away, called back when mum explained what happened and notified them of MY responsibility.

So OP insurance knows the accident happened. If they cover passengers getting out, they will pay up if a claim is made. The OP cannot stop them doing it as their insurance policy says the insurer chooses if they wish to settle as per this next comment:

@sooler, was advised by insurance company not get involved as they'll deal with the other driver. Passed the driver contact detail and name they left in the note (no reg number unfortunately).

Same principle if there is a witness to the incident

Billy_Bullocks

Altarf wrote: »

It gets better! Have you completely lost the plot?

You have no evidence of who caused the damage and you sue an insurance company.

A company that you had to establish using the insurance company database as the owner of the car didn't tell you.

A company who's policyholder has told them they know nothing about the incident.

Good luck with that.

Remember what I said about evidence?

kmb500

kmb500 wrote: »

eh... we all make mistakes, sometimes it's just much easier to just ignore it and move on. A while ago I opened my door far too fast (I was in a rush) and it smashed into the brand new BMW parked next to me. The car looked awful and my door was fine. After checking there were no security cameras around, I thought it was easiest to drive away and park somewhere else.

cajef wrote: »

What a nice person you are.:eek:

Well... I am sure the BMW driver had much more money than me to pay for the damage. Rather him than me. Sorry.

agrinnall wrote: »

So this seems like poetic justice then.

https://forums.moneysavingexpert.com/discussion/5375544

haha, very good.

Altarf

Billy_Bullocks wrote: »

Remember what I said about evidence?

And what you misunderstood about the Road Traffic Act.