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got hit by a van

mango850 Avatar
8y, 10m agoPosted 8 years, 10 months ago
was hit early tonight my car was scratched with a headlight broken while his van was smashed. it was his fault. at the time i panicked as i never been hit before. he give me his address an mob number but no insurance detail said he didnt haven them with him. when told my parents they think he might change his story. wot u guys think
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mango850 Avatar
8y, 10m agoPosted 8 years, 10 months ago
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#1
This happened to me but I had his car registration plate details so called local police to be on safe side :)
#2
Before anything else I think you should check that the name address and telephone numbers are correct and not either made up or belonging to some poor innocent.
#3
You should have called the police, if you were in a crash and you believe the other party to be at fault you should always contact the police and wait for them to arrive. Failure to do so can invalidate any claim you want to make, this is all in the highway code.
#4
Don't worry too much yet - there's nothing you can do now - just report the accident and his details to your insurers and keep your fingers crossed.

I hope he tells the truth and all goes smoothly for you :thumbsup:
#5
just did a serach an his postcode matches the address an also i rong his mobile number he give gonna go garage tomorow to see what the price is
#6
jah128
You should have called the police, if you were in a crash and you believe the other party to be at fault you should always contact the police and wait for them to arrive. Failure to do so can invalidate any claim you want to make, this is all in the highway code.


I think you are wrong there - the legal responsibility is to stop and to exchange details.

In my experience the police will only attend a non-injury accident if the cars are causing an obstruction etc.
#7
my mum says i should have asked for money an forget the whole thing £200. when i heard this though that was alot wen she explained it with the insurance goin up an for labour to fix it sounded right. but if i did say that at the time is this illegal?
#8
mango850;1551173
my mum says i should have asked for money an forget the whole thing £200. when i heard this though that was alot wen she explained it with the insurance goin up an for labour to fix it sounded right. but if i did say that at the time is this illegal?


You should never do anything like this...if there is more than just cosmetic damage (which you might not be aware of until the garage check it over) you could well end up very much out of pocket.

As long as you have the guys details you should be fine, just make sure you let your insurance company know ASAP.
#9
am i still fine still even without his insurance details. yes he has given me is mob number but this can be cancelled right now an also hes given me correct postcode matchin the address but how do i no that this is his address an not some random friends address
#10
As others have said on here.

Just pass the details on to your insurers.
They will send a form to you. You will need to fill this out and send it back as soon as you can.

Then sit back and let them do all the running around. After all thats what you have paid them for. :)
#11
proberly a works van so should be no prob
#12
van man strikes again! just hope alls ok for you, main thing is no injurys, should be ok for you.
banned#13
:thumbsup:
#14
stora
As others have said on here.

Just pass the details on to your insurers.
They will send a form to you. You will need to fill this out and send it back as soon as you can.

Then sit back and let them do all the running around. After all thats what you have paid them for. :)


Yeah I agree. Oh and don't forget to stock up on vaseline, you're going to need it at renewal time:thumbsup: Fault or no fault, they will still hike your insurance nicely:)
#15
Shengis
. Oh and don't forget to stock up on vaseline, :)


Axle Grease surely :w00t: :shock: :o :lazy:
#16
Glad to hear your not hurt :thumbsup: but, as everyone else here has said pass all the details you have onto your insurers, thats their job - not yours.

hope all goes well for you
#17
If you have legal cover and it is his fault your insurance will fight,only thing is, going through your insurance and their recommended garage is you excess. GOOD LUCK and don't worry
#18
Glad that you're OK and it all looks like good advice to me (except, I'm afraid for mum!!).
I would just say that I think it's best to keep checking how things are going with your insurance company. Get in touch with them every week to make sure that the process doesn't reach any hitches that you don't know about. I hope that all works out well.
#19
many thanks for the posts guys. really nice to see there are good ppl out there. as i expected try to ring the guy this morning to say what the damage was . the phone rang but the guy answereing it said he didnt no the name that was given to me. just phoned my insurance company just wondered this will affect my insurance as im a brand new
#20
mango850
many thanks for the posts guys. really nice to see there are good ppl out there. as i expected try to ring the guy this morning to say what the damage was . the phone rang but the guy answereing it said he didnt no the name that was given to me. just phoned my insurance company just wondered this will affect my insurance as im a brand new


Did you get his Reg number? If so ring the police. Effectively he's left the scene of an accident:thumbsup:
#21
i did get his reg. at the time i asked him to write it for me but didnt lucky i looked wot he wrote. with only a address, his mobile number an car reg is this enough for me to win
#22
Did you get his registration number, if so report this incident to the police any way just to get an incident number. Have a look on MIB.org this is a company that can in some cases compensate victims of Unisured and Untraced drivers but there is certain criteria that has to be met.
#23
Not to be the bearer of bad news but if you didnt get his reg this is looking good. I work in insurance (for my sins) on the motor claims side. If you need any help or guidance give me a shout.
Did you get the reg, make / model / colour of the van? did it having any signs / company name on it? your gonna have to do some leg work and try and trace this vehicle, without the reg or your insurers are gonna do is call them mobile number and write to the address, they might if the cost of repairs is high send someone out to the address but thats not garunteed.
#24
sorry was slow typing and opthers beat me to it, if you have a reg your insurers should be able to trace through MID or the DVLA.
banned#25
ok goes like this... if the accident is a knock for knock and no one is injured or damage done to anything other than the vehicles, (ie.. walls, street furniture, ) its whats known a non reportable accident and no need to call the police , and your duties are to give the other driver your name and address and insurance details if you have them at the scene, most dont carry them, plus a phone number. failure to do so is an offence. Oh an if you have an accident and you cause damage to others property you need to make steps to find the owner if you cant report the accident within 24hrs , which means as soon as practicable in person
If you think there is any alligation of fault unless its something major ie drink driving , etc etc, if its just bad driving it will be delt with your insurance company, plus you will need independant witnesses

Ok second class of accident, injury accident, someone IS hurt, then the police must be called , and any damage to property other than the car or cars involved. The you will find the police will attend, take all details witness`s etc breath test everyone and give you a production certificate to get your docs to a police station withing 7 days if you dont have all you docs with you..
some of the info posted is not quite accurate by others..
#26
right here goes this wot happened last night. i was on the main road the other driver was on a side road he then forced his way out both hit the guy had it worse on the side of his van . i just had a few marks an a slight damage. wen we both talked bout it first thing he said "i didnt see your car there" an "i dnt have my insurance detail with me" so he swapped details name,address and mobile number. neither of us was hurt so the police couldnt be involved i felt. at the time the guy looked genine that proved me wrong there
banned#27
mango850;1552628
right here goes this wot happened last night. i was on the main road the other driver was on a side road he then forced his way out both hit the guy had it worse on the side of his van . i just had a few marks an a slight damage. wen we both talked bout it first thing he said "i didnt see your car there" an "i dnt have my insurance detail with me" so he swapped details name,address and mobile number. neither of us was hurt so the police couldnt be involved i felt. at the time the guy looked genine that proved me wrong there

speak to your insurance company and let them sort it.
#28
i have just waitin for a call back from them. read from sum1 this accident would affect my cost of insurance even its not my fault is this correct?
#29
Although dog_cop is quite correct about the police. However if your insurer is unable to trace the driver and you were not at fault , you may need to log a claim under the Untraced Drivers Agreement through the MIB you would need to have at least contacted the police or they wouldn't accept your claim
#30
sarahc
Although dog_cop is quite correct about the police. However if your insurer is unable to trace the driver and you were not at fault , you may need to log a claim under the Untraced Drivers Agreement through the MIB you would need to have at least contacted the police or they wouldn't accept your claim


The untraced drivers agreement with the MIB carrys a £300 excess (ie. they deduct three hundred from any settlement / cost of repairs) they will also only pay your losses not those of your insurers, so likely to effect your insurance if you claim.
#31
Best thing to do is give all the information you have to your insurers, you can register a claim with them and get them to make some initial enquiries before you have nay repairs done. you are under no obligation to then proceed with the repairs. Your insurers will complete a MID search and possibly a DVLA search to try and ascetain if this guy has insurance. If you claim from your insurers and they in turn cant recover their money it will be a fault claim and affect your policy. If they make a full recovery it will not effect your premium. If it comes to light he has no cover then you need to see wether it is worth claiming (cost of repairs verses increase in premium) . The exception would be if you are insured through Direct Line or I think More than who dont penalise for accidents with unninsured drivers.
#32
many thnaks red seven for the advice
#33
hottoshop
Before anything else I think you should check that the name address and telephone numbers are correct and not either made up or belonging to some poor innocent.


RedSeven
sorry was slow typing and opthers beat me to it, if you have a reg your insurers should be able to trace through MID or the DVLA.


hottoshop and Red Seven are identical twins:-D
#34
chesso
hottoshop and Red Seven are identical twins:-D


Was gonna throw my toys out the pram, then realised I'm the newer member!! might be time for a new piccy, especially since life is better now!!
#35
RedSeven
Was gonna throw my toys out the pram, then realised I'm the newer member!! might be time for a new piccy, especially since life is better now!!


Make it a good one.:thumbsup:
#36
RedSeven
Was gonna throw my toys out the pram, then realised I'm the newer member!! might be time for a new piccy, especially since life is better now!!


No worries redseven, only changed to "your" one in recent months so I've made the change.

Glad life is better for you though. :thumbsup:

Take care. :)
#37
hottoshop
No worries redseven, only changed to "your" one in recent months so I've made the change.

Glad life is better for you though. :thumbsup:

Take care. :)


:p Like yours better now!!! might have to steal it!!!
#38
"Fault or no fault, they will still hike your insurance nicely"

If it's found to be not your fault and the other parties insurance pay up then it should not have any affect on your premium.
#39
hughwp
"Fault or no fault, they will still hike your insurance nicely"

If it's found to be not your fault and the other parties insurance pay up then it should not have any affect on your premium.


Whether it should or not it does, end of. I know 2 people who have been hit by another driver who has pulled out of a driveway/side street and on both occasions THEIR insurance skyrocketed the next year. And i'm talking drivers with 5+ protected NCB, not 17yo boyracers. If you want a link to a car site where you can ask people their experiences, let me know. The worst of it is, you have to declare all accidents fault or not for 5 years with most insurance companies, WHY would they want or need to know about no fault claims if they weren't going to hike the premium? Also it may be worth your while running a few quotes on confused.com, one with a no fault and one without and witness the resulting change in premium:thumbsup:

Highway robbery so it is;-)
#40
"Whether it should or not it does, end of. I know 2 people who have been hit by another driver who has pulled out of a driveway/side street and on both occasions THEIR insurance skyrocketed the next year. And i'm talking drivers with 5+ protected NCB, not 17yo boyracers. If you want a link to a car site where you can ask people their experiences, let me know. The worst of it is, you have to declare all accidents fault or not for 5 years with most insurance companies, WHY would they want or need to know about no fault claims if they weren't going to hike the premium? Also it may be worth your while running a few quotes on confused.com, one with a no fault and one without and witness the resulting change in premium"

Well I got hit and car written off a few years ago and its not made any significant change to my premiums.

Had 2 other claims over the last 20 years and not paid any more. used confused.com as well

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