No fault accident other driver won't give details - please help!!

shellsuit

lisyloo wrote: »

I think that's a terrible suggestion.
All indications so far are that he has insurance.
Deliberately wasting police time is an offence.

If he had insurance, he wouldn't need to act like he is would he?

lisyloo

If he had insurance, he wouldn't need to act like he is would he?

He might.
I certainly would not want want the boyfriend of someone I'd crashed into knowing where I lived.
I'd co-operate with insurance but I certainly wouldn't want anybody knwoing where my property or children were (in case they turned out to be a nutcase).

I have no idea what is going on in the guys life.
Perhaps he's had to be out of the country on business.
Perhaps his wife is having a baby.
Perhaps he has a relative dying in hospital.

I'm not quick to judge these days about what reasons he might have, but I don't think he'd have given a valid mobile and work number if he was trying to get out of it completely.
I certainly think personal aproaches are totally wrong for the reasons I've already stated. If I had loads of "missed calls" from someone it would be screming nutter, stalker to me.
No offence to the OP but he may well have fears after what has happened.

borosteve_2

Please can I just re-iterate:
This guy ran into the back of my girlfriends car on thursday morning, gave a mobile number and his name. When she rang the mobile to get his details when she got to work (and had a pen) his phone was switched off and stayed so all morning. When she phoned me and told me I googled his work I got a number and she rang him there to ask for his INSURANCE DETAILS - NOT HIS ADDRESS. He said he had them in the car and would ring her back that afternoon. In the meantime she phoned her insurers who didn't give her the impression they were too confident about the claim with just the information she had). When he hadn't rang by 2030 that evening we rang once and it went to answerphone. My partner then rang once on Friday morning and left a message and sent a text politely asking for his INSURANCE DETAILS, not his ADDRESS.
She got no answer so five hours later she phoned Auotreplace who are recommended by PCS Drive (her union) and they called him for his details at which point he named his insurer but did not give a policy number and gave them his car reg. I have only the information they gave me from then on. We haven't called, texted or anything, all we actually wanted to know when I posted on here was, when his insurer told Autoreplace today (monday) that they needed a postcode to verify his details, if it was possible to find it to help the claim, as Autoreplace were finding it hard to contact him.

As it turns out whilst I was at work (just got in) he contacted Autoreplace with the rest of his details and he IS fully insured and everything is fine but again please let me stress:

Two phonecalls and one text from my partner over 1 1/2 days doesn't seem too unreasonable to me when you go into the back of someones car and don't give them your INSURANCE DETAILS when you say you will twice. Not once was he asked for his address, my partner was upset and we just wanted to make sure she didn't end up out of pocket with her claim like a colleague of mine did in seemingly similar circumstances. I may have been paranoid but this is the first time we have dealt with this and about half the posts on this forum don't really fill you full of confidence in your fellow man do they?
Again thanks to all that helped and Lisyloo if you still feel upset or offended on this guys behalf I can only apologise.

mattymoo

Have you put the reg no in the site I suggested earlier? If it comes back as uninsured, you know it will be an uphill struggle and it will explain the lack of communication.

djohn2002uk

Don't apologise. You have nothing to apologise for. The last paragraph of lisyloos post is utter nonsense.
I've been following this thread and I must say you had a lot more patience than I would have shown in the same circumstances. I hope now that her insurance company will get on with it and sort it out ASAP.

borosteve_2

matthew2002smum wrote: »

Hi I am a former personal lines handler eg motor and had a similar case that I dealt with at a brokers. I wrote to the DVLA asked for the name address of the driver that had hit my insureds car, they provided these details. Unfortunately it wasn't clear cut can't go into details but I sent a v strong letter to the address and in the majority of cases such as threatening to go to the police and taking the TP to the small claims court it worked on others. Don't give up.

Thanks, as I say the guy involved HAS now given his details and as he went into the back of her, his car slipped on some snow on a roundabout, hopefully everything will be ok - fingers crossed.

lisyloo

No I'm not offended at all.

I just think shellsuit was being quick to judge in speculating that he had no insurance from the way he was behaving.
There can be umpteen reasons why someone can not call you in a short timescale.
I suffer from really bad migraines sometimes and I am so debilitated that I cannot even get to the phone to call work.
There are numerous other possibilites I can think of, like it took him a few hours to find the paperwork (not difficult to imagine if he's disorganised).

I know it's easy to think the worst when people have not got in touch but my experience is that it's best not to be too judgemental when there are scant facts and so many possibilities.

Anyway I'm glad he's insured and I hope everything works out well for you.
There is absolutely no apparent reason why she shouldn't get all her money back.

Note that if she has to renew with this recorded as a "fault" claim (which it will be until it's resolved) then she should find out how much extra she's has to pay as a result of the accident and add it on to her claim with the legal insurance.
The word "fault" does not mean she is actually to blame but it will unfortunately go against her until the money is finally recovered and that could well include one renewal period where her premium will be higher.

borosteve_2

lisyloo wrote: »

No I'm not offended at all.

I just think shellsuit was being quick to judge in speculating that he had no insurance from the way he was behaving.
There can be umpteen reasons why someone can not call you in a short timescale.
I suffer from really bad migraines sometimes and I am so debilitated that I cannot even get to the phone to call work.
There are numerous other possibilites I can think of, like it took him a few hours to find the paperwork (not difficult to imagine if he's disorganised).

I know it's easy to think the worst when people have not got in touch but my experience is that it's best not to be too judgemental when there are scant facts and so many possibilities.

Anyway I'm glad he's insured and I hope everything works out well for you.
There is absolutely no apparent reason why she shouldn't get all her money back.

Note that if she has to renew with this recorded as a "fault" claim (which it will be until it's resolved) then she should find out how much extra she's has to pay as a result of the accident and add it on to her claim with the legal insurance.
The word "fault" does not mean she is actually to blame but it will unfortunately go against her until the money is finally recovered and that could well include one renewal period where her premium will be higher.

Thanks very much, your advice is appreciated as her policy is due for renewal next month.

V_tricky

lisyloo - you're half right - it will show on her renewal as 'fault' and it will affect her NCD however, any additional premium is not claimable as an uninsured loss as once the claim is resolved 100% in her favour, her insurers will issue a revised proof of no claims discount and either refund any AP paid if she's still insured with them, or if she moves insurers (and there's nothing stopping her) then she'll send the revised proof of NCD to them and THEY'll refund the AP.

Very glad to hear anyway that it looks like it's all sorted out

lisyloo

her insurers will issue a revised proof of no claims discount and either refund any AP paid if she's still insured with them, or if she moves insurers (and there's nothing stopping her) then she'll send the revised proof of NCD to them and THEY'll refund the AP.

Does this definitely happen for all companies?

The reason I ask is that I am pursuing an accident from 2.5 years ago on behalf of my elderly in-laws.
I will be delighted if you are correct that all companies do this.

BTW - it's not just NCD. I think my in-laws had protected NCD so didn't lose any, but your initial premium is still loaded due to a claim. Discount stays the same but the premium prior to discount rises, so it's not just about NCD.