Hit and run incident

ontheroad1970

they don't defend you, they defend themselves as much as they can.  

AdrianC

ontheroad1970 said:

they don't defend you, they defend themselves as much as they can.  

Insurers defend themselves BY defending you...

If there's any chance of liability being credibly passed to the other insurer, well... isn't that cheaper for them than paying your bill?

The main difference is that they don't have a point of principle to prove, so when they know there's zero evidence so zero change of getting a recalcitrant other party to accept that, yes, OK, it was them, can't really deny it guv... they won't waste more time.

And that's the position the OP is in.

The dashcam shows a particular car to the left as the OP parked.
The OP returned, and that side of the car was damaged.
There's no other video.

The other car also has damage? Circumstantial.

Aretnap

gt1990 said:

Sandtree said:

gt1990 said:

They have said nothing yet and waiting for the third party to get back to them

Are you currently claiming for your damages from your insurance or are you awaiting liability?

One of the issues that people come up against is that most insurers will take limited actions whilst they aren’t paying out for your damage (or being approached by the TP holding you liable); their rights crystallise once they’ve indemnified you 

I am awaiting liability, i understand that but then whats the point of having a insurance company and paying them for their services if they can't defend me to the fullest

The point of an insurance company is to pay for your repairs when your car is damaged. If you want someone to fight your corner in a dispute over liability, you want a solicitor. 

If you put in a claim on your policy your insurer will pay for your repairs (less your excess) - that's what you pay them to do. At the same time you will give them the right to claim the expenses they incur from the third party on your behalf. Whether or not they actually claim is essentially a commercial decision for them to take based on their view of the costs and likelihood of success. It's something that they do for their own benefit, not yours. You'll have had your repairs done either way, so it's now your insurers money that is at stake, not your own. 

Alternatively you can choose not to claim on your policy and chase the third party yourself. However it's not your insurer's job to help you with this. They are your insurer, not your solicitor, and they have no expenses if their own to recover unless you have actually claimed from them. 

Sandtree

gt1990 said:
whats the point of having a insurance company and paying them for their services if they can't defend me to the fullest

You have accidentally hit the nail on the head, your insurers would defend you if you were the person being accused of hitting a parked car but that isnt the case here, you want someone to pursue your case and to do that meaningfully your insurers need to have settled your claim or at least be in the process of doing so,.

gt1990

So either way i am stuffed might aswwell repair it my self and be done with it 

Insurance my a** never understand how useless these things are

AdrianC

gt1990 said:

So either way i am stuffed might aswwell repair it my self and be done with it 

Insurance my a** never understand how useless these things are

How much money's-worth of damage has been done to your car?

Jeepers_Creepers

GT, do you have Legal Protection on your car insurance?

Sadly it's unlikely they'd act on this case anyway unless you can really show who the culprit was, but they do tend to offer good legal advice, so they may be able to guide you on how to get a copy of the CCTV footage if it's 'legal' to do so. 

gt1990

Damage is nearly 300 to 400 pounds 

Seeing the response the police gave for the footage i doubt it because of all the new data protection laws passed

Sandtree

gt1990 said:

Damage is nearly 300 to 400 pounds 

Seeing the response the police gave for the footage i doubt it because of all the new data protection laws passed

It is legal to get a copy of it but they can charge you for editing out the details of anyone else in the video or their reg plates etc... in case the car on the other side was there seeing their mistress rather than being on the business meeting in NYC as they told their wife etc. 

As most companies tht have CCTV dont have video editors in house the costs can be fairly steep and you may end up doubling your losses and get a totally useless video