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  • FIRST POST
    • SnowWhiterThanWhite
    • By SnowWhiterThanWhite 16th Apr 18, 10:30 PM
    • 737Posts
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    SnowWhiterThanWhite
    Hit and run driver-Can police withhold info?
    • #1
    • 16th Apr 18, 10:30 PM
    Hit and run driver-Can police withhold info? 16th Apr 18 at 10:30 PM
    Please see #post 9 for UPDATE


    Hi, hoping for some advice...
    Hit on a local rat run. The driver tried to overtake on a bend , ran into side of car but drove off without stopping.
    Managed to get no. plate
    Went straight to Police station to report accident, although police confirmed car is insured, they would not give any further details.
    Gave the limited info to Insurance company and again, they were able to confirm car is insured but wouldn't divulge any further info.
    A week on, police haven't visited other driver and the insurance co. haven't yet contacted the other insurers.
    I'm concerned that the driver at fault could, by now, have had their car repaired!
    If the other driver denies all knowledge, the police only have my word as no other witnesses, what will happen?
    I am so angry that this could lose me my NCB plus XS .
    I would try and reclaim through small claims court but how can I without the other drivers details?

    Any advice gratefully received.
    Last edited by SnowWhiterThanWhite; 12-06-2018 at 2:09 PM. Reason: update
    "Hope for the Best
    Prepare for the worst"
Page 1
    • AndyMc.....
    • By AndyMc..... 16th Apr 18, 10:39 PM
    • 2,340 Posts
    • 1,429 Thanks
    AndyMc.....
    • #2
    • 16th Apr 18, 10:39 PM
    • #2
    • 16th Apr 18, 10:39 PM
    Your word against theirs and the police are unlikely to do anything.

    Use your phone, go onto the MIB site and get the other drivers insurance. Claim direct from them.

    If the fail to accept liability then you!!!8217;re stuffed.
    • Quentin
    • By Quentin 16th Apr 18, 10:39 PM
    • 37,275 Posts
    • 21,442 Thanks
    Quentin
    • #3
    • 16th Apr 18, 10:39 PM
    • #3
    • 16th Apr 18, 10:39 PM
    Assuming that you have made a claim against your own policy then your insurer will pursue the third party insurer over this.

    Your excess is an uninsured loss and you should pursue the third party insurer yourself to be reimbursed this along with any other uninsured losses you have experienced.

    If you have legal cover with your policy then you can use that to get your uninsured losses reimbursed
    • SnowWhiterThanWhite
    • By SnowWhiterThanWhite 16th Apr 18, 10:43 PM
    • 737 Posts
    • 214 Thanks
    SnowWhiterThanWhite
    • #4
    • 16th Apr 18, 10:43 PM
    • #4
    • 16th Apr 18, 10:43 PM
    Thanks, but I don't have the other drivers details? Will my own insurers have to eventually give me the details?
    "Hope for the Best
    Prepare for the worst"
    • Quentin
    • By Quentin 16th Apr 18, 10:49 PM
    • 37,275 Posts
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    Quentin
    • #5
    • 16th Apr 18, 10:49 PM
    • #5
    • 16th Apr 18, 10:49 PM
    Presumably so far no one knows who was driving do they?

    Unless you have made a claim with your insurer they have no reason to find out for you

    Have you made a claim? (Your OP mentioned your concern over losing NCD and your excess)

    (You can find out the third party insurer via askmid)
    Last edited by Quentin; 17-04-2018 at 11:27 AM.
    • missile
    • By missile 17th Apr 18, 12:27 AM
    • 9,671 Posts
    • 4,840 Thanks
    missile
    • #6
    • 17th Apr 18, 12:27 AM
    • #6
    • 17th Apr 18, 12:27 AM
    If you have cause, you can ask DVLA for the registered keeper. https://www.gov.uk/request-information-from-dvla
    "A nation's greatness is measured by how it treats its weakest members." ~ Mahatma Gandhi
    Ride hard or stay home
    • SnowWhiterThanWhite
    • By SnowWhiterThanWhite 17th Apr 18, 6:56 AM
    • 737 Posts
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    SnowWhiterThanWhite
    • #7
    • 17th Apr 18, 6:56 AM
    • #7
    • 17th Apr 18, 6:56 AM
    Insurance claim made. Just a waiting game now I guess and hope that the 3rd party does admit responsibility.
    "Hope for the Best
    Prepare for the worst"
    • Head The Ball
    • By Head The Ball 17th Apr 18, 12:52 PM
    • 3,466 Posts
    • 9,025 Thanks
    Head The Ball
    • #8
    • 17th Apr 18, 12:52 PM
    • #8
    • 17th Apr 18, 12:52 PM
    Insurance claim made. Just a waiting game now I guess and hope that the 3rd party does admit responsibility.
    Originally posted by SnowWhiterThanWhite
    As you have probably already realised, a hit and run driver is unlikely to be honest afterwards.

    Be prepared for a long wait. In my experience claims take many months to be resolved.

    I hope the result meets the first half of your signature and not the second part.

    Good luck.
    Every Village has its Idiot.

    If you don't know who your Village Idiot is

    it is probably you.
    • SnowWhiterThanWhite
    • By SnowWhiterThanWhite 12th Jun 18, 2:08 PM
    • 737 Posts
    • 214 Thanks
    SnowWhiterThanWhite
    • #9
    • 12th Jun 18, 2:08 PM
    Small Claims Court?
    • #9
    • 12th Jun 18, 2:08 PM
    Hi all,

    Well, finally got the ltr from Police to say they are not going to prosecute due to no evidence. Had they gone out swiftly after being informed, they would have seen the damage to both cars.
    My car has now been repaired through my insurance at a cost of 2k.

    As people have mentioned above, the 3rd party has denied being involved. As the other driver is local (I now have drivers details on the ltr from Police) I have walked past their house and they have now had their car repaired.

    I do not have legal cover on my insurance

    I have contacted the other ins. co. who have sent an engineer out to view their client's car but are refusing to tell me what the outcome was, even though I gave permission for them to view my car prior to having the damage repaired. My ins co. just say they are chasing the other co. but have not, as yet, received any reply.

    The police also want me to pay £130 to see a copy of their report!! I am a victim of a crime (hit and run), why should victims have to pay to see this report?

    Anyway, I assume that as there were no witnesses, that the other party can just deny being involved and get away with it.

    Does anyone have any experience on taking this sort of case through Small Claims Court? Would I just be looking to claim for my XS, or the huge increase in my premium, or, the amount of the damage (to be repaid back to insurance co)?

    I think this would be an absolute waste of time but just so angry!!!
    "Hope for the Best
    Prepare for the worst"
    • Mercdriver
    • By Mercdriver 12th Jun 18, 2:19 PM
    • 2,015 Posts
    • 1,384 Thanks
    Mercdriver
    you'd still need to make a judge 51% certain that the other driver was responsible if the other side contest it. Even if you win it can take some time. I've won a case that has been running (non motoring) for 9 years, the other side settled with us. The other side (an insurance company) isn't responding to demands of payment of the damages they agreed or the costs, which are considerably higher than the damages.
    • foxy-stoat
    • By foxy-stoat 12th Jun 18, 2:19 PM
    • 2,667 Posts
    • 1,533 Thanks
    foxy-stoat
    I can think of an option, but its not legal or advised....

    With no witnesses you will not get anywhere I am afraid - put your trust in karma.

    You could get yourself a dash cam, too late for this one but maybe it will pay for itself in the future.
    • scaredofdebt
    • By scaredofdebt 12th Jun 18, 2:30 PM
    • 1,144 Posts
    • 548 Thanks
    scaredofdebt
    Dash cam would be unlikely to help with this unless you could see who was driving clearly enough.

    The only option I can see and it is a very long shot, is if you can find out where the car was repaired and if the mechanic is willing to be a witness. As I say, very long shot but I can sympathise with the OP.
    Make £2018 in 2018 Challenge - Total to date £2,108
    • foxy-stoat
    • By foxy-stoat 12th Jun 18, 2:35 PM
    • 2,667 Posts
    • 1,533 Thanks
    foxy-stoat
    Dash cam would be unlikely to help with this unless you could see who was driving clearly enough.
    Originally posted by scaredofdebt
    Doesn't have to see the driver, only the car with the registration - if the owner at the time hasn't reported it stolen or in use by someone else then the balance of probabilities would side with the one with the footage of the accident...unless his argument was aliens or gremlins must of done it.
    • Mercdriver
    • By Mercdriver 12th Jun 18, 2:37 PM
    • 2,015 Posts
    • 1,384 Thanks
    Mercdriver
    Get one with rear and front facing cameras and you have a good chance of getting the driver's face in the shot.
    • Arklight
    • By Arklight 12th Jun 18, 4:20 PM
    • 1,466 Posts
    • 2,302 Thanks
    Arklight
    My wife was getting into her brother's van outside our house when a car drove straight into the open door and smashed it into her leg.

    Her brother ran after the vehicle which, eventually, stopped and was revealed to be driven by an elderly man stinking of alcohol at ten in the morning.

    It was reported to the police who did absolutely nothing. His insurance also had no interest in pursuing the other driver.
    • AndyMc.....
    • By AndyMc..... 12th Jun 18, 4:42 PM
    • 2,340 Posts
    • 1,429 Thanks
    AndyMc.....
    Hi all,

    Well, finally got the ltr from Police to say they are not going to prosecute due to no evidence. Had they gone out swiftly after being informed, they would have seen the damage to both cars.
    My car has now been repaired through my insurance at a cost of 2k.

    As people have mentioned above, the 3rd party has denied being involved. As the other driver is local (I now have drivers details on the ltr from Police) I have walked past their house and they have now had their car repaired.

    I do not have legal cover on my insurance

    I have contacted the other ins. co. who have sent an engineer out to view their client's car but are refusing to tell me what the outcome was, even though I gave permission for them to view my car prior to having the damage repaired. My ins co. just say they are chasing the other co. but have not, as yet, received any reply.

    The police also want me to pay £130 to see a copy of their report!! I am a victim of a crime (hit and run), why should victims have to pay to see this report?


    Anyway, I assume that as there were no witnesses, that the other party can just deny being involved and get away with it.

    Does anyone have any experience on taking this sort of case through Small Claims Court? Would I just be looking to claim for my XS, or the huge increase in my premium, or, the amount of the damage (to be repaid back to insurance co)?


    I think this would be an absolute waste of time but just so angry!!!
    Originally posted by SnowWhiterThanWhite


    Why should they produce a copy free of charge? Itís the same report your insurance company get.
    Hi there! Weíve had to remove your signature. Please check the Forum Rules if youíre unsure why itís been removed and, if still unsure, email forumteam@moneysavingexpert.com
    • SnowWhiterThanWhite
    • By SnowWhiterThanWhite 12th Jun 18, 4:42 PM
    • 737 Posts
    • 214 Thanks
    SnowWhiterThanWhite
    I can think of an option, but its not legal or advised....

    With no witnesses you will not get anywhere I am afraid - put your trust in karma.

    You could get yourself a dash cam, too late for this one but maybe it will pay for itself in the future.
    Originally posted by foxy-stoat
    Thanks. Yes, installed a dash cam now!
    "Hope for the Best
    Prepare for the worst"
    • SnowWhiterThanWhite
    • By SnowWhiterThanWhite 12th Jun 18, 4:44 PM
    • 737 Posts
    • 214 Thanks
    SnowWhiterThanWhite
    My wife was getting into her brother's van outside our house when a car drove straight into the open door and smashed it into her leg.

    Her brother ran after the vehicle which, eventually, stopped and was revealed to be driven by an elderly man stinking of alcohol at ten in the morning.

    It was reported to the police who did absolutely nothing. His insurance also had no interest in pursuing the other driver.
    Originally posted by Arklight
    That is awful. Can't understand why he was not prosecuted at least for the hit and run. Lack of resources I expect
    "Hope for the Best
    Prepare for the worst"
    • SnowWhiterThanWhite
    • By SnowWhiterThanWhite 12th Jun 18, 4:47 PM
    • 737 Posts
    • 214 Thanks
    SnowWhiterThanWhite
    Why should they produce a copy free of charge? Itís the same report your insurance company get.
    Originally posted by AndyMc.....
    I personally don't feel it is acceptable for a victim to have to pay to see the details of any investigation. Surely, the police have a duty of care to the victim and as such, should be helping not hindering.
    "Hope for the Best
    Prepare for the worst"
    • AndyMc.....
    • By AndyMc..... 12th Jun 18, 4:50 PM
    • 2,340 Posts
    • 1,429 Thanks
    AndyMc.....
    I personally don't feel it is acceptable for a victim to have to pay to see the details of any investigation. Surely, the police have a duty of care to the victim and as such, should be helping not hindering.
    Originally posted by SnowWhiterThanWhite
    The will help but they won!!!8217;t produce the report for free. Ask your insurance company for it and get them to work for free.

    The report won!!!8217;t contain anything you don!!!8217;t already know or can!!!8217;t find out for far less than what they!!!8217;re asking.
    Hi there! Weíve had to remove your signature. Please check the Forum Rules if youíre unsure why itís been removed and, if still unsure, email forumteam@moneysavingexpert.com
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