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Car accident

My car was hit while parked, I was not present but the guy that hit my car came and told me it had happened so fair play to him.
He was using a company vehicle, now his boss is saying that his insurance can't be claimed against and I need to claim off the drivers own personal insurance. I don't think the driver has the appropriate cover himself.
Also they say I need independant witnesses, 3 of my neighbour saw the accident take place. These people know who I am and the other driver. Only my name and I live near them it's not as if we are friends. How little does someone need to know you to be "independant" ?
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Comments

  • Hasbeen
    Hasbeen Posts: 4,404 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Bobby1234 wrote: »
    My car was hit while parked, I was not present but the guy that hit my car came and told me it had happened so fair play to him.
    He was using a company vehicle, now his boss is saying that his insurance can't be claimed against and I need to claim off the drivers own personal insurance. I don't think the driver has the appropriate cover himself.
    Also they say I need independant witnesses, 3 of my neighbour saw the accident take place. These people know who I am and the other driver. Only my name and I live near them it's not as if we are friends. How little does someone need to know you to be "independant" ?

    https://www.spencerssolicitors.com/accident-guides/witness-guide.html
    The world is not ruined by the wickedness of the wicked, but by the weakness of the good. Napoleon
  • Why do you need any witnesses as the 'guy came over and told you he had done it'?


    Just claim off the guy and let him deal with his insurer be that company or otherwise; its not your job to sort out his insurance issues.
  • boliston
    boliston Posts: 3,012 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    it seems very odd for a company policy to not include third party cover - i thought third party cover was mandatory
  • His boss won't give His insurance details to my legal team.
  • Hi, the boss won't give His insurance details
  • dacouch
    dacouch Posts: 21,636 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Get the insuranc details for a small fee from here https://www.askmid.com

    Then contact the Insurers, they are liable even if he was not covered by the policy
  • Even if he won't give his insurance details, the claim is against him anyway. Up to him if he passes it to his insurance company. He's as liable as the driver.
  • Grey_Critic
    Grey_Critic Posts: 1,604 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Combo Breaker
    The company admits they own the vehicle so they are legally liable, any in-house rules they have about insurance/accident claims are nothing to do with you. Contact your own insurer they will sort it out. It is a condition of your own insurance that you inform them of the accident even if you do not make a claim on them but in this case I think it will be to your benefit to do so.
  • csgohan4
    csgohan4 Posts: 10,600 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper Photogenic
    edited 9 May 2020 at 12:28PM
    I am an Injury Claims Specialist In The UK. I Have An Organization Named as "Redacted Ltd". We Provide Injury Claim Services. Our Injury Claims services Includes Accident Claims, Accident At Work Claims, Medical Negligence Claims, Whiplash Claims and Slips Trips and Falls Claims.For More Contact Here:

    REDACTED

    A solicitor which doesn't read the forum rules , you wonder what else they are not good at?
    "It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"

    G_M/ Bowlhead99 RIP
  • davidmcn
    davidmcn Posts: 23,596 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    csgohan4 said:
    I am an Injury Claims Specialist In The UK. I Have An Organization Named as "Redacted Ltd". We Provide Injury Claim Services. Our Injury Claims services Includes Accident Claims, Accident At Work Claims, Medical Negligence Claims, Whiplash Claims and Slips Trips and Falls Claims.For More Contact Here:

    REDACTED

    A solicitor which doesn't read the forum rules , you wonder what else they are not good at?
    He's not a solicitor.
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