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Wall Knocked Over, Who Should Pay & How to do? Help Would be great
jumeriah64
Posts: 214 Forumite
Afternoon all, hope this is in the right place.
Our wall was knocked over by a car reversing into it. We have comprehensive video, stills, know the registration plate, time & place etc.
Was reported to the police, not to create a huge fuss but more as the driver simply left.
Police did investigate, identified the driver, interviewed them and came to the conclusion that no action was required by them. All fine, in the grand scheme of things, our aim was not to seek any retribution etc. It was based more on advice from the 111 service really.
However we are out of pocket to the tune of £750 to implement the repair.
Contacted out insurance company. They said no problem, get quotes. Somewhat harder to do than we imagined as it didn't seem to be a particularly attractive job but we eventually got two quotes. One very low and most likely unrealistic, one higher and quite comprehensive to my mind.
Needless to say the insurance company want the lowest option which with the excess adds up to very little.
I sort of get that but it left me wandering ... who should pay for the repair? Should the person damaging the wall should have a responsibility even given the police do not see grounds to prosecute. They do not question the responsibility or accuracy of the incident, they just do not consider it something they need to take up
As I say the evidence is absolutely incontrovertible and indeed the police complimented us on the quality of the data.
Do I have any realistic route to claim against the person causing the damage and if so how is that most effectively done?
We never made any claim before but it just struck me that it isn't of our create, we have not made any great fuss but we are still significantly out of pocket.
The police have given us full details of the party involved, in writing. We have not contacted them yet as I was unsure what was realistic to expect or how to go about it.
Would appreciate any guidance you might have as to the best way to proceed. Or are we best to just put it behind us?
Many thanks in advance for your guidance.
Our wall was knocked over by a car reversing into it. We have comprehensive video, stills, know the registration plate, time & place etc.
Was reported to the police, not to create a huge fuss but more as the driver simply left.
Police did investigate, identified the driver, interviewed them and came to the conclusion that no action was required by them. All fine, in the grand scheme of things, our aim was not to seek any retribution etc. It was based more on advice from the 111 service really.
However we are out of pocket to the tune of £750 to implement the repair.
Contacted out insurance company. They said no problem, get quotes. Somewhat harder to do than we imagined as it didn't seem to be a particularly attractive job but we eventually got two quotes. One very low and most likely unrealistic, one higher and quite comprehensive to my mind.
Needless to say the insurance company want the lowest option which with the excess adds up to very little.
I sort of get that but it left me wandering ... who should pay for the repair? Should the person damaging the wall should have a responsibility even given the police do not see grounds to prosecute. They do not question the responsibility or accuracy of the incident, they just do not consider it something they need to take up
As I say the evidence is absolutely incontrovertible and indeed the police complimented us on the quality of the data.
Do I have any realistic route to claim against the person causing the damage and if so how is that most effectively done?
We never made any claim before but it just struck me that it isn't of our create, we have not made any great fuss but we are still significantly out of pocket.
The police have given us full details of the party involved, in writing. We have not contacted them yet as I was unsure what was realistic to expect or how to go about it.
Would appreciate any guidance you might have as to the best way to proceed. Or are we best to just put it behind us?
Many thanks in advance for your guidance.
0
Comments
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Contact the insurer of the vehicle that hit your wall.
If you have video evidence it'll be hard to refuse the claim.0 -
paddyandstumpy wrote: »Contact the insurer of the vehicle that hit your wall.
If you have video evidence it'll be hard to refuse the claim.
Hi there and thanks for the reply. I have the name and address of the person as provided by the police but not their insurance company.
And yes we have three different video feeds from different angles, all very clear.
How might I find that? The incident was a drive off. I guess I could write and and ask them for that information in the purest sense. But how do I find the insurance company itself.
Many thanks0 -
jumeriah64 wrote: »Hi there and thanks for the reply. I have the name and address of the person as provided by the police but not their insurance company.
And yes we have three different video feeds from different angles, all very clear.
How might I find that? The incident was a drive off. I guess I could write and and ask them for that information in the purest sense. But how do I find the insurance company itself.
Many thanks
http://www.askmid.com/askmidenquiry.aspx
It will cost you £4Excuse any mis-spelt replies, there's probably a cat sat on the keyboard0 -
https://www.mib.org.uk/managing-insurance-data/the-motor-insurance-database-mid/public-access/
Allows you to check who the insurer is.
Or you can give all the info you have to your buildings ins co and let them deal with it.Mortgage started 2020, aiming to clear 31/12/2029.0 -
Is really helpful, I never knew you could do that. Can you believe first time we ever made a claim of any sort. Many thanks0 -
MovingForwards wrote: »https://www.mib.org.uk/managing-insurance-data/the-motor-insurance-database-mid/public-access/
Allows you to check who the insurer is.
Or you can give all the info you have to your buildings ins co and let them deal with it.
Thanks for that helpful steer. Yes I have advised our insurance company and will follow up on that aspect....they didn't seem greatly interested in it when I mentioned it but will stress the point.
Now the Police have been looking at this for a good period ... probably 3 months until I chased them up last week. Would the time period cause any problem in doing that?
Thanks again0 -
jumeriah64 wrote: »
Now the Police have been looking at this for a good period ... probably 3 months until I chased them up last week. Would the time period cause any problem in doing that?
No, you have 6 years to claim (5 in Scotland), so shouldn't be any problem at all.0 -
Use a smart phone.
Details are supplied FOC0 -
No, you have 6 years to claim (5 in Scotland), so shouldn't be any problem at all.
This is really good to know ... think I had a very fortunate 50 odd years without claim which reflects my slight ignorance on the subject. Learning quickly thanks to the excellent support from you and folks on MSE. Very much appreciated0 -
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