Not at fault but insurance not helping.

marilogan

Someone crashed into my parked car outside my home last night. I witnessed it and have other witnesses. I ran down to my car and follow the driver. He pulled into a car park and fled the scene. I have pictures of the damage to his car and his registration. The police have been contacted and they are now investigating it as a hit and run. My insurance are REFUSING to pay as the hit and run driver hasn't willingly givien me his details. I have to pay £700 excess and get my NCB affected. Is there anything else I can do? Until the hit and run driver confesses my insurance are refusing to go down the "No Fault root" even though I'm NOT at fault. I can't afford £700.

worried_jim

I would imagine they don't have insurance hence doing a runner. To find out put their reg details into askmid.com

http://m.askmid.com/mt/www.askmid.com/mobile/

marilogan

Hi. They definitely have insurance. My insurance company have contacted theirs but they've not made a claim. My insurance are refusing to pay and go down the no fault root until the other driver confesses.

rudekid48

Why did you agree to a £700 excess if you can't afford to pay it?

Your insurer will deal with your claim and repair your vehicle under your own policy but don't confuse 'fault' with 'blame'. If your insurer cannot recover their outlay from the other party (or their insurer) then it is classed as a 'fault' claim irrespective of who was actually to 'blame' for the accident.

If they deal with it under your policy then you will need to pay the excess that you agreed to when taking out the policy and your NCB will be affected.

As per previous poster - you could try askmid and see if the other car is insured and try claiming directly off the third party insurer (if there is one) but judging by the actions of the driver it's unlikely that he will cooperate...

worried_jim

You just contact their insurance (after getting the details from askmid) and claim directly from them- nothing to do with you insurance.

marilogan

I agreed to £450 compulsory and £250 voluntarily. I don't know if the driver was possibly drunk or had illegal substances on him that he would flee. All I think I can do now is wait for the police to conclude their investigation and hope they can get the other driver to plead guilty and confess.

worried_jim

And in the meantime contact their insurance company and put a claim in.

OnanTheBarbarian

The main aspect here is to get the insurers of the offending vehicle to deal with the claim. To force them to do this and deal as RTA insurer the other driver needs to be identified. If the driver is identified then the insurer has to deal, unless they can show that their policyholder had sold the car prior to the collision.

Your worst case scenario here is the MIB Untraced Driver Agreement, which would pay in the absence of an insurer having an interest.