Neighbour damaged car

Robisere

bigadaj wrote: »

If the other car is on motobility then any claim won't presumably make much difference to that driver in any case.

Incorrect. Current Motability excess is £100. Motability insurer is RSA. She will have no problem with RSA, providing she informs them correctly. I cannot state this as true, but my feeling from 22 years of Motability and 2 incidents (neither my fault) is that they will pay up, but you would need to inform your own insurer. Can you get a quote from a friendly local bodyshop? Show her that and tell her that you know it will cost her £100 anyway.

At the end of a Motability 3-year lease, a car returned in good condition means a £250 cheque to the customer. Any repair work under insurance is taken into account, although it is usually ignored. However, if the Motability customer does not inform Motability and RSA of any damage to their vehicle or another's, but has it done "cash in hand", they are open to having Motability payments and the car, withdrawn.

It's Hobson's Choice I suppose.

macman

Remind her (perhaps via a brief letter) of her legal obligation to stop after an accident and supply her details, including insurance?
What is the approx value of your beat up old car? And what is your excess?

tylertoxic

Excess would be 450 so there is no chance I will be paying that for some scratches, car isn't worth it. Car is probably at a push worth maybe 1-1.2k though if I wanted to replace it on auto trader now I would be looking at 2k+ which isn't much to most people but a lot to me!

I was under the impression if I went to her insurers directly or if I took her to small claims and dealt with her insurers there I could by-pass my insurance other than letting them know someone hit me but I don't wish to claim through them and that would minimize any further cost to me as I would presumably be able to keep my no claims.

m0bov

Have you reported it to 101?

Retrogamer

m0bov wrote: »

Have you reported it to 101?

No point.
They'll tell you it's a civil matter and to go away.

wgl2014

Retrogamer wrote: »

No point.
They'll tell you it's a civil matter and to go away.

Fail to provide details is an offence however unless reported within 24hrs Police will not record it or do any follow up. Admittedly all that would be done anyway would be for a 172 notice to be sent out and if responded to the OP would be provided with the driver and insurance details.

If the OP knows her name and insurance company anyway it would make no difference.

Retrogamer

wgl2014 wrote: »

Fail to provide details is an offence however unless reported within 24hrs Police will not record it or do any follow up. Admittedly all that would be done anyway would be for a 172 notice to be sent out and if responded to the OP would be provided with the driver and insurance details.

If the OP knows her name and insurance company anyway it would make no difference.

All a section 172 notice will do is get the OP the name of the driver and their address. Since they're neighbours i'd assume these details are already known

wgl2014

Insurance details would also be provided if held.

But yes I agree that with these circs it would not make any difference. ��

Warwick_Hunt

Retrogamer wrote: »

No point.
They'll tell you it's a civil matter and to go away.

Even when at least two criminal offences have been comitted?

Retrogamer

Warwick_Hunt wrote: »

Even when at least two criminal offences have been comitted?

If they're like the police in my area they'll disregard it unless you're someone important and claim they don't have the resources available due to all the more major crimes occurring.