Car hit my front drive wall

iceangel8

I have been googling and non fault claims will make you policy increase by 50%.  Would it be best just to get him to knock down the wall?  

SergeantBaker

iceangel8 said:

SergeantBaker said:

iceangel8 said:

Herzlos said:

You could always offer to take a cash deposit which you'll give him back when he fixes the wall. Or if he refuses, just claim from his car insurance.

The problem I have is that he is working on the building site I have no idea what he does.  He was in a private car not a company van how do I know he's experienced in building walls and whether he uses good materials.

So claim from his car insurance, but phone your own home insurance for information only purposes as there will be a record of the incident on the insurance database. 

So can I call his car insurance and set up a claim I thought data protection would prevent me?  I'm just so worried my home insurance will go up because of this claim 

You can yes. If your insurance goes up then so be it, you don't trust him to fix the wall himself, you what are your other options?

diystarter7

iceangel8 said:

Tbh I don't trust the honesty of the man at all because he hit my wall and drove off and if it wasn't for my neighbour's CCTV camera and my neighbour going to the building site and getting the guy to knock on to my house he would have got away with it.  Can I then rely on him to rebuild my wall or pay for it if I get quotes in the region of £2000.  

Will my future  premiums go up and will I definitely get my excess back if I claim?

The highlighted bit. IMHO you have little choice and I believe you know the answer about his so-called offer.

Your choice but judging by what you said, I'd claim via his insurance as I would not trust anyone like that.

I hope you make the right choice and I am glad next door bothered otherwise you would have been claiming for sure on your buildings insurance. NB: There may be an excess to pay.

Ohters will confirm if you should report this as a hit and run to the police to cover yourself - it may wind the builder up but from what you said, I can't see him repairing it.

Do keep the evidence safe, times, dates

As always on forums, do your own research and you decide what to do next

Good luck

Flight3287462

One thing is for sure, the wall will not be repaired whilst it's frosty.

How you deal with it is up to you two choices wait and get him to repair or report it to his insurer.  You may want to inform your insurer too for information purposes, I wouldn't expect that to make any difference to your premiums unless you eventually claim through them.

How do you know he was speeding?

Brie

Legally he needs to inform his motor insurer whether he wants to or not so if he won't you should.

SergeantBaker

diystarter7 said:

iceangel8 said:

Tbh I don't trust the honesty of the man at all because he hit my wall and drove off and if it wasn't for my neighbour's CCTV camera and my neighbour going to the building site and getting the guy to knock on to my house he would have got away with it.  Can I then rely on him to rebuild my wall or pay for it if I get quotes in the region of £2000.  

Will my future  premiums go up and will I definitely get my excess back if I claim?

The highlighted bit. IMHO you have little choice and I believe you know the answer about his so-called offer.

Your choice but judging by what you said, I'd claim via his insurance as I would not trust anyone like that.

I hope you make the right choice and I am glad next door bothered otherwise you would have been claiming for sure on your buildings insurance. NB: There may be an excess to pay.

Ohters will confirm if you should report this as a hit and run to the police to cover yourself - it may wind the builder up but from what you said, I can't see him repairing it.

Do keep the evidence safe, times, dates

As always on forums, do your own research and you decide what to do next

Good luck

Have you not read the whole thread?

[Deleted User]

iceangel8 said:

I have been googling and non fault claims will make you policy increase by 50%.  Would it be best just to get him to knock down the wall?  

That is not possible - there is no blanket increase of 50%
What happens if your wall falls down a bit and injures someone who puts in a claim against you and you haven't told your insurance?

Claim off his insurance and declare it as a notification only to your home insurance 

Ebe_Scrooge

iceangel8 said:

Tbh I don't trust the honesty of the man at all because he hit my wall and drove off and if it wasn't for my neighbour's CCTV camera and my neighbour going to the building site and getting the guy to knock on to my house he would have got away with it.  Can I then rely on him to rebuild my wall or pay for it if I get quotes in the region of £2000.  

Will my future  premiums go up and will I definitely get my excess back if I claim?

If it were me I'd be claiming directly off his car insurance.  He's legally obliged to give you his insurance details - if he refuses to do so then that's an offence.  In that case you report it to the police and let them see the video evidence if they request it.

Claim off his insurance, and get a competent builder to repair the damage.

iceangel8

Flight3287462 said:

One thing is for sure, the wall will not be repaired whilst it's frosty.

How you deal with it is up to you two choices wait and get him to repair or report it to his insurer.  You may want to inform your insurer too for information purposes, I wouldn't expect that to make any difference to your premiums unless you eventually claim through them.

How do you know he was speeding?

The CCTV camera film shows him driving fast and then in the bend skidding into my wall.  I do not know the speed but he was driving way too fast for the icy road conditions 

Car_54

iceangel8 said:

SergeantBaker said:

iceangel8 said:

Herzlos said:

You could always offer to take a cash deposit which you'll give him back when he fixes the wall. Or if he refuses, just claim from his car insurance.

The problem I have is that he is working on the building site I have no idea what he does.  He was in a private car not a company van how do I know he's experienced in building walls and whether he uses good materials.

So claim from his car insurance, but phone your own home insurance for information only purposes as there will be a record of the incident on the insurance database. 

So can I call his car insurance and set up a claim I thought data protection would prevent me?  I'm just so worried my home insurance will go up because of this claim 

Yes, you can claim direct from his insurance, and that is probably the best course of action. Data protection is irrelevant.

You will need to notify your home insurer, and your premium may go up a little at renewal (but not by anything like the cost of the wall). Bear in mind that with current inflation your premium would probably go up significantly in any event. As always, shop around!