Who pays?

outofmoney

Our son has just been hit by another that was being pursued by a Police Car. Not surprisingly they didn't stop.
Our son flagged the police down, who by now had lost the car they were chasing.
All details exchanged.
Although our son drove home, we think his car is a write-off. He has bad damage to the back and side, and goodness knows what underneath.
He is 19 so insurance is already high. He is also my carer so income is very low. Will he have to pay for any repair or will it just be written off and he gets pennies? (if he is lucky)

neilmcl

outofmoney wrote: »

Our son has just been hit by another that was being pursued by a Police Car. Not surprisingly they didn't stop.
Our son flagged the police down, who by now had lost the car they were chasing.
All details exchanged.
Although our son drove home, we think his car is a write-off. He has bad damage to the back and side, and goodness knows what underneath.
He is 19 so insurance is already high. He is also my carer so income is very low. Will he have to pay for any repair or will it just be written off and he gets pennies? (if he is lucky)

His (your son) insurer will sort it out, that's what he pays them for.

outofmoney

neilmcl wrote: »

His (your son) insurer will sort it out, that's what he pays them for.

Hope so, though not sure how much faith I have in them.
Son's black box hardly records any of the journeys he makes and they called him an hour before the accident because his black box showed he had been in an accident

AdrianC

outofmoney wrote: »

Hope so, though not sure how much faith I have in them.
Son's black box hardly records any of the journeys he makes and they called him an hour before the accident because his black box showed he had been in an accident

An hour before...?

If the driver who hit his car isn't traced, or isn't insured, then he's down to claiming from his insurance.

If it's written off, then they'll pay the value of the car immediately before it was hit. Agreeing that value may take a bit of negotiation.

loskie

get details from the Police of the car that hit his, IF it was insured then his insurance will claim off that of the offending vehicle even if it was stolen and not being driven by a legitimate user.
You could also lodge a complaint with the police that by them chasing this car they caused the crash, sounds ridiculous I know but they have a duty of care to protect other road users. This also includes calling off a pursuit if dangerous.
Your son's insurer should sort it BUT they will take the easiest option for them not what is in the best interests of your son.

Arklight

He should have a no fault accident recorded on his record which will make his future premiums higher, no doubt. He could try and claim the costs of this from the other party perhaps?

Shaun_of_the_Dead

Arklight wrote: »

He should have a no fault accident recorded on his record which will make his future premiums higher, no doubt. He could try and claim the costs of this from the other party perhaps?

Only if the costs are recovered or else it will be an at fault claim.

Shaun_of_the_Dead

loskie wrote: »

get details from the Police of the car that hit his, IF it was insured then his insurance will claim off that of the offending vehicle even if it was stolen and not being driven by a legitimate user.
You could also lodge a complaint with the police that by them chasing this car they caused the crash, sounds ridiculous I know but they have a duty of care to protect other road users. This also includes calling off a pursuit if dangerous.
Your son's insurer should sort it BUT they will take the easiest option for them not what is in the best interests of your son.

So what would you think the basis of the complaint should be given the little information provided so far?

AdrianC

Shaun_of_the_Dead wrote: »

So what would you think the basis of the complaint should be given the little information provided so far?

Apparently, they should have let the scrote go.

Since we have absolutely no idea what the reason for the pursuit was, we can only assume that the police should never do any more than ask drivers nicely to stop, and just shrug and smile if they don't...

Shaun_of_the_Dead

AdrianC wrote: »

Apparently, they should have let the scrote go.

Since we have absolutely no idea what the reason for the pursuit was, we can only assume that the police should never do any more than ask drivers nicely to stop, and just shrug and smile if they don't...

Joking aside that's the way the country's going. Now the driver of the police vehicle has another accident he would need to talk his insurance company about.

He he deployed a tactical contact and saved a member of the public being involved he'd have an at fault one to disclose.

Car_54

loskie wrote: »

Your son's insurer should sort it BUT they will take the easiest option for them not what is in the best interests of your son.

The insurer will settle the claim, but may be able to recover their costs with little effort.

Why would they take the easiest option (do nothing) if it costs them thousands of pounds?