Person punched my car wing mirror off

1990xrider

Hi I am quite upset. I'm a delivery driver. There's hardly any space in my work car park so I parked outside. Probabyl wasn't the best parking, but still room for a car to pass. I return to my vehicle to find my driver's wing mirror hanging off. I locate a witness straight away who tells me a guy tried to pass, might have scraped a bit of his mirror, got out the car, and took mine out with one punch, so it's criminal damage. Inital enquiries to source cctv footage haven't been successful, a neighbouring premises does have cctv but manager to access it not there so will try tommorow.

The issue is if i report to police what will actually happen?

Insurance wise this is the only issue i have as i changed jobs recently and haven't got round to telling my personal insurers but am insured on the company i work for their policy. 

Apparently as well you can request a driver's information including address from the dvla?

Ironically enough this is the car park i was worried about getting a fine. Seems like its less about traffic wardens i should worry about and more about others! Though I'm told the person isn't a regular in the car park as in an employee of another business or resident. Found a witness who will make a statement if needed. Is it worth reporting to police even if there is no cctv footage or its not good enough? I just want my money back. 

user1977

1990xrider said:

Apparently as well you can request a driver's information including address from the dvla 

The registered keeper's information - and this isn't a situation where the registered keeper needs to identify who the driver was or take the blame themselves. So you'd need additional evidence anyway.

I doubt the police will do much.

1990xrider

user1977 said:

1990xrider said:

Apparently as well you can request a driver's information including address from the dvla 

The registered keeper's information - and this isn't a situation where the registered keeper needs to identify who the driver was or take the blame themselves. So you'd need additional evidence anyway.

I doubt the police will do much.

CCTV and eyewitness?

What's the best course of action other than police. Will my insurance cover it?

user1977

1990xrider said:

user1977 said:

1990xrider said:

Apparently as well you can request a driver's information including address from the dvla 

The registered keeper's information - and this isn't a situation where the registered keeper needs to identify who the driver was or take the blame themselves. So you'd need additional evidence anyway.

I doubt the police will do much.

CCTV and eyewitness?

What's the best course of action other than police. Will my insurance cover it?

The police aren't going to help you get your money back anyway, even if they pursued a prosecution.

Why do you think your insurance might not cover it?

ontheroad1970

user1977 said:

1990xrider said:

user1977 said:

1990xrider said:

Apparently as well you can request a driver's information including address from the dvla 

The registered keeper's information - and this isn't a situation where the registered keeper needs to identify who the driver was or take the blame themselves. So you'd need additional evidence anyway.

I doubt the police will do much.

CCTV and eyewitness?

What's the best course of action other than police. Will my insurance cover it?

The police aren't going to help you get your money back anyway, even if they pursued a prosecution.

Why do you think your insurance might not cover it?

Because not an accident, more like malicious damage/vandalism.  Not all policies cover it.

Car_54

OP, if I've understood correctly, you were parked outside your place of work. I doubt whether your employer's policy (which is for actually working) would cover that.

As regards your personal policy, you were commuting. Does it cover you for that?

DullGreyGuy

ontheroad1970 said:

user1977 said:

1990xrider said:

user1977 said:

1990xrider said:

Apparently as well you can request a driver's information including address from the dvla 

The registered keeper's information - and this isn't a situation where the registered keeper needs to identify who the driver was or take the blame themselves. So you'd need additional evidence anyway.

I doubt the police will do much.

CCTV and eyewitness?

What's the best course of action other than police. Will my insurance cover it?

The police aren't going to help you get your money back anyway, even if they pursued a prosecution.

Why do you think your insurance might not cover it?

Because not an accident, more like malicious damage/vandalism.  Not all policies cover it.

Vandalism is covered on a comprehensive policy under the same own vehicle damage as accident damage

1990xrider

Car_54 said:

OP, if I've understood correctly, you were parked outside your place of work. I doubt whether your employer's policy (which is for actually working) would cover that.

As regards your personal policy, you were commuting. Does it cover you for that?

TYes it does. There's no mention of my workplace in my insurance documents but as far as they're aware i do a different job as i only took on this one as part time/tempoary. I didn't have much of an issue before when I bumped a car whilst doing the same work last year but my own personal insurance policy thought i was making a claim on them rather than the company insurance policy and was a headache to sort out and convicne them not to make a claim.