Claiming insurance

joker1

As I'm a new driver, I only have one year of imsurance with no claims. A man crashed into my car today and when I asked for his insurance, he told me 'I can't give my details because its not my car'. The car was registered to the girl in the backseat who I assume was his granddaughter. I couldnt stop anyone as a witness because this happened at a busy roundabout. I know it wasn't my fault because I was in my lane and they crossed it and hit me by the door on my driver's side. I called the insurance when I got home but I didn't really know what to say about a claim. They've sent me an email saying that I should call the other drivers insurance directly if I want to make a claim. I really don't want to lose my one year of no claims so can someone please advise me on what to do?

Mark_d

Exchanging details is a legal requirement.  If the other driver didn't exchange details, then you should have called the police.

From what you say, the other driver was uninsured.  He should have been charged by the police accordingly.

I think you'll have to say goodbye to your no claims bonus but talk to your insurer and see what they say.  Some insurers will protect your NCD if you're hit by an uninsured driver (though in this case you can't prove it).

joker1

Well police happened to passing by and the man talked something with them and police said to call insurance as not their job .. I was so shocked so really did not know what to do .. is anyway I can request cctv from council if any there?

cw8825

joker1 said:

As I'm a new driver, I only have one year of imsurance with no claims. A man crashed into my car today and when I asked for his insurance, he told me 'I can't give my details because it’s not my car'. The car was registered to the girl in the backseat who I assume was his granddaughter. I couldnt stop anyone as a witness because this happened at a busy roundabout. I know it wasn't my fault because I was in my lane and they crossed it and hit me by the door on my driver's side. I called the insurance when I got home but I didn't really know what to say about a claim. They've sent me an email saying that I should call the other drivers insurance directly if I want to make a claim. I really don't want to lose my one year of no claims so can someone please advise me on what to do?

Also to point out with no witnesses if he does dispute. There is a strong change of split liability anyway

roundabout & lane change


the information from your insurers is seemingly lazy claim handling. 

You can approach the other cars insurance directly if you have it but that relies on the other driving being cooperative and reporting it. But from what you have said that Dosent seem the most likely. 

How bad is your damage?

joker1

And yes we exchanged details but with the girl which owned the car not with the driver ..I assuming was her grandad 

Mark_d

I m surprised that your insurance company isn't being helpful. Is your policy not fully comprehensive?  Does your policy include legal protection?

If you need to do the work yourself, perhaps it's worth talking to an accident management company.   This sort of thing:

https://www.autoclaimsassist.co.uk/

*I am not recommending this company.  Only including a link here as an example.

joker1

Maybe I'll call insurance tomorrow again to clarify ahat to do next..I am thinking to call police though as they can check details of reg and maybe can find out who waS driving.

Arunmor

You do have the registration number?

joker1

For the attention Arunmoor

Yes I do have the registration number.

DullGreyGuy

joker1 said:

For the attention Arunmoor

Yes I do have the registration number.

If you have the registration then your insurers can look up the RTA insurer of the vehicle. The driver may be covered under that policy as a named driver or he may have been using the Driving Other Cars extension of his own policy but that you cannot look up. 

Assuming you either a TPFT or dont want your insurers to handle the claim you'd present your claim to the insurer of the vehicle in the absence of any other insurance details and it would be for them to show the driver was on a DoC and provide the insurance details. 

Herzlos

I'm not sure a driving other cars extension would be valid here, since I don't think it applies to vehicles owned by family members but I can't confirm it.

In any case, your insurance contact would be with the girls insurer as the cars policy is in her name and the insurance status of the guy driving is irrelevant from your perspective. If he's insuring it under DOC then it may take a bit longer to sort.