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I crashed Into a Policeman! Advise?

wazb Avatar
8y, 4m agoPosted 8 years, 4 months ago
okay well first things first im insured,

now i was at a junction trying to go left joining a 2 lane road i was behind an off duty traffic policeman, now i looked left all the car were indicated to go left so the path would be clear i look up and the guy starts moving take another look to my right all the cars ar still indicating so i move away still looking to my right, there was about 1 metres gap and i bumped into him.

I know this is my fault i should of been looking.

now theres no damage to his car just a cracked license plate and theres a slight scuff on my bumper nothing to noticable.

So when it happend he got out of the car pointing at shouting thought he was going to kill me, but then i understood why he had a baby on board, at that my heart sunk just immeadtly apoligised, so we parked up and then he told me he was an officer, i think he thought i had no license as i look quite young but he rang his buddy at the police station and did a chick and it all cleared, i suggested ringing an ambulance for there baby just incase, but they declined.

He then took my details and vice versa then tooks pictures of me and my car, then took witness statements.

I called him later to find out about the baby he said he went to hospital and there all fine, he seemed alot more freindly at this point.

Now i havent told my dad yet still plucking up the courage to do so, he sent me his policy number and asked to for me to do the same, but i cant find it soo will send it tommorow.

Now i have a few questions,

Can he sue me or something for like whiplash (extreamly unlikley)?

will i have to pay a massive amount?

will my insurance go up?

Any other information i need to know about?

and as i presumbly am in the wrong and it was me that made the mistake what are the main reprocussions of this?

and finally sorry for the long post just that ive only been driving for a few weeks and dont realy know what to do.
wazb Avatar
8y, 4m agoPosted 8 years, 4 months ago
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#1
Well I would say that if there is little damage then ask the guy if he can get a quote for the work and just pay for it. As your excess is lightly to be large this shouldn't be too bad. Also than you wouldn't have to claim on your insurance. I'm guessing your car is ok?
#2
I have to say that sounds remarkably poor behaviour for a police officer, you'd think he's react is more controlled manner given it doesn't sound like you hit him hard. I can't see you'd need to claim under any insurance, if the guy wants a new number plate you can buy it outright for him.

Hopefully your Dad will be understanding especially as I don't think there should be too many negative repercussions. I have been there and I know what it feels like, someone sliced up a car in front of me so they slammed on their brakes and I couldn't get my car to stop in time so I went into the back of them. However they were the complete opposite of the person you bumped into, they realised I was a bit shaken and just told me not to worry - their car was fine, they had no problem and advised me to go and get a seat and have a coffee or similar.

John
#3
panic ------- no only joking - your insurance company will deal with it all on your behalf they will ask you a few questions about how it happened and they will either settle the claim or argue it out - but once you have rung the insurance company and done all the questions that is it as far as your input goes --- as for your insurance going up tha will depend on what sort of insurance coveer you have .ie fully comprehensive with protected no claims bonus - but mainly just tell your parents and let them deal with it for you - after they have calmed down from shouting at you that is - and i know cos thats what i did to my son after he didnt stop in time and nudged the car in front of him
#4
I have no answers, but at least you can be thankful it didn't end up a lot worse. I can imagine it'll take a lot of courage to tell your dad, but mistakes happen.
#5
surely the fact that hes a copper is irrelevant to the whole story and ringin his mates at the station to check you out on the PNC must be a breech of some rules!!

thats my personal oppinion anyways lol other than that if he doesnt want the damage fixed out of your pocket let the insurance sort it :)
#6
thanks for the advice, i wont be claiming as the damage is minute, but if the guy claims will i have to pay??
#7
also i have fully comp im a named driver on my dads insurance. im with quinn btw.
#8
wazb
thanks for the advice, i wont be claiming as the damage is minute, but if the guy claims will i have to pay??


Fraid so :x your insurance will go up unless you have protected NCD that is
#9
wazb
thanks for the advice, i wont be claiming as the damage is minute, but if the guy claims will i have to pay??

if the guy claims he will claim off your insurance but if it is only a number plate im sure you could come to some agreement without going through the insurance
#10
well i have 0 ncd as ive been driving for 4 months but my dad has like 8 and his is protected but i dont think that applies to me,
#11
yer, just try to be frank and say look ,there isnt much damage mate im sorry im a new driver i no its my fault but do we have to go through insurance as thats going to make my insurance go up considerably when the number plate costs about £20 which i can happily change for you.
#12
First tell your Dad. He might go ape but tell him.
Chances are he will give you better advice than anyone on here and will help you sort it out.

good luck.
#13
Try and sort it between yourselves but if he insists on going through his insurance ask him to get his insurance company to invoice you for it. If it a new bumper and number plate your probably looking around the £300-£400 mark which will be the likely amount of your excess anyway.
#14
i hope it isnt that much just about earnt that much working the past few weeks.
#15
wazb
i hope it isnt that much just about earnt that much working the past few weeks.


What car was it?
#16
GAVINLEWISHUKD
Well I would say that if there is little damage then ask the guy if he can get a quote for the work and just pay for it. As your excess is lightly to be large this shouldn't be too bad. Also than you wouldn't have to claim on your insurance. I'm guessing your car is ok?


[COLOR="DarkOrchid"]This is good advice, tell your dad, I'm sure this is what he would advise, just offer to cover any costs. Good luck!
I also suspect that the officer and his pal abused their positions![/COLOR]
#17
he had the old shape corsa, ive got a seat ibiza.
#18
Phone him in the morning and ask if you can keep the insurers out of it.

At your age even a slight could boost next years insurence renewal quite a bit.
#19
i think hes fixed on getting the insurance invloved, tbh i think he wants to do one of those claims that you see on tv, why else woulkd be bring insurace in over a cracked licence plate.
#20
foxymissroxy
surely the fact that hes a copper is irrelevant to the whole story and ringin his mates at the station to check you out on the PNC must be a breech of some rules!!


The reason for this may vary however if some uniformed officers turned up to the scene to deal with the investigation then they would normally do the PNC checks and take vehicle and person details etc.
If on the other hand the incident was just rang through to the control room and dealt with by him at the scene then it would be his duty to do some checks and if this were the case the fact that he were off duty would be irrelevant.
1 Like #21
Tell him his car is a pile of c**p and only worth £500. Then offer him £50. If he kicks up a fuss tell him you are good friends with Pat and Carl.





Ps dont do any of this.

Good luck with sorting it out.
#22
wazb
i think hes fixed on getting the insurance invloved, tbh i think he wants to do one of those claims that you see on tv, why else woulkd be bring insurace in over a cracked licence plate.


Ok, well if he is being a dick deny everything and say it was his fault.....and he was drunk and assulted you:whistling:
[mod]#23
Well, after reading this in the OP

wazb
i think he thought i had no license as i look quite young but he rang his buddy at the police station and did a chick and it all cleared


All i can say is..........how unusual. :lol:
#24
I believe a cop is never truly "off duty" and can come "on duty" at any necessary time
1 Like #25
Cross your eyes, insist on filling your socks with Golden Grahams, bang your head against the wall repeatedly then plead insanity. The accident will seem insignificant by comparison.

You could even claim your condition was brought on by the renegade cop!
#26
peodude
I believe a cop is never truly "off duty" and can come "on duty" at any necessary time


I can confirm that this is true.
banned#27
are you sure he was a cop lol might have just said he was to make sure you stayed at the scene , show you any ID etc , do the only thing that is available to you blame it on him, say he turned around to tend to his screaming baby (which was hideous may i add ) swerved in front of you, jumped out the car proceeded to batter your bumper with a metal pipe, dragged you out the car and tried to tie you to the lamp post with some novelty thumb-cuffs, then the monster took a turn for the worse and savagedly rapped you ( all while his horrendous baby was screaming in the back off the car )

heck i aint a judge but i'd believe you
#28
just tell your insurance company that when you pulled out you sneeezed which made you crash as this is a reaction that cannot be controlled and they wont blame you for the accident,plus it will wash with the old folks too !:thumbsup:
#29
JasonMason
If on the other hand the incident was just rang through to the control room and dealt with by him at the scene then it would be his duty to do some checks and if this were the case the fact that he were off duty would be irrelevant.


I disagree. If the incident had been between the op and a third party and he'd been on the scene then maybe that would be so, but he's basically used the PNC for his own business. Obvious abuse as it's a private matter (no one was injured so no cause for police presence/checks). And no i'm not anti police, I love the local lot:)
#30
leighbeef;2647394
just tell your insurance company that when you pulled out you sneeezed which made you crash as this is a reaction that cannot be controlled and they wont blame you for the accident,plus it will wash with the old folks too !:thumbsup:


Interesting. I shall remember that one.
#31
Shengis
I disagree. If the incident had been between the op and a third party and he'd been on the scene then maybe that would be so, but he's basically used the PNC for his own business. Obvious abuse as it's a private matter (no one was injured so no cause for police presence/checks). And no i'm not anti police, I love the local lot:)


So imagine the scene, off duty officer drives past a just occurred RTC involving two other vehicles but not himself, he stops to offer some assistance, in doing so he calls up a colleague to do some PNC checks, all he is doing is what he would do if he were on duty (but whilst off duty).

If i were involved in a collision i'd definately ask colleagues for some assistance, if that were not possible i reckon a phonecall to ask for checks to be done would be the next best step as basically its the only way to verify everyone at the scene is insured/licenced and MOT'd.
Proving that all of these are valid is one way of proving that they aren't committing a driving offence.
#32
JasonMason
So imagine the scene, off duty officer drives past a just occurred RTC involving two other vehicles but not himself, he stops to offer some assistance, in doing so he calls up a colleague to do some PNC checks, all he is doing is what he would do if he were on duty (but whilst off duty).

If i were involved in a collision i'd definately ask colleagues for some assistance, if that were not possible i reckon a phonecall to ask for checks to be done would be the next best step as basically its the only way to verify everyone at the scene is insured/licenced and MOT'd.
Proving that all of these are valid is one way of proving that they aren't committing a driving offence.


Considering the situation I don't think it's justified. A PNC for a cracked number plate? No injured parties, no disabled vehicles blocking the road, nobody suspected of being under the influence. OTT imho and being off duty he shouldn't have requested that information. Hell, if somebody rang to report such an accident then in all likelihood THEY would be on the sharp end from the police for wasting their time. Can you not see how this is coming across as abuse of position if nothing else? The key part is, as we know, he was off duty. Tbh though i'm surprised he got any info as I thought they would be pretty hot on that sort of thing :?
#33
I would have expected the PNC asked the cop why he needed the information as both the officer and the PNC operator could be in trouble if the information isn't used legitimately? The cop was obviously interested in protecting his own position to ensure he was going to get an insurance payout and identify the driver. If it's a non-injury RTC then surely there is no need for the police to be involved. Would have been better to have called another officer to the scene to deal if any doubts over the offending driver?

Re the accident it would be best to report to dear old dad. Dad will understand!
#34
Sorry to hear about your bump,hope youre not too shaken up,similar situation I used hubbys car for the first time in fact he had only got it the day before,parked up in a car park and a guy reversed straight into the front of it,the guy was very apologetic but the front number plate housing not the plate was broken,we swapped details and even though we were in another town he lives in the same town as me.
He said he would go to ford and get a quote for the number plate surround and keep insurance companies out of it as he was willing to pay for the part.
He later came and knocked on the door and said he had changed his mind as ford had quoted him £120 for the number plate surround so it went via the insurance company

I was petrified of telling hubby,his new car and all but it wasnt half as bad as i thought it would be lol
The worst one was ringing him at work to tell him a 8ft tall bright green concrete post had jumped out of the multi storey and caved in the passenger door lolol
#35
I think this cop if he is a cop, abused his power, go to the local nick and ask why he rang for a PNC check, tell them you are concerned as it might be an insurance scam. People are known to look for someone to get to close and stop unexpectedly, then try to get whiplash payouts. I think the police would take a dim veiw of this behaviour. After all it sounds like hardly a bump, just keep your distance in future, we all make mistakes when we first drive so hope your dad is ok
Tell your insurance co tho as they will invalidate claims if they find out,

PS shame on him for bullying
#36
What is everyone getting worked up about ?

Copper was irate, so would I be if I got hit from behind (especially with a baby in the back). Accidents happen though, thats what insurance is for !

The copper will no doubt claim on your insurance (so you might as well get yours sorted too, no matter how minimal the damage may be). The cosmetic damage might look miniscule, but you dont know what damage has been done behind the scenes (back of cars are crumple zones, designed to "fold" in an impact - if you've hit him at a snails pace, there may not be much cosmetic damage, but who knows what the extent of the damage is behind the bumper).

You will most likely have to pay your insurance excess (which I'm assuming is quite a bit as your young) - are you on your dad's policy ? If so, see if he has protected no claims. He should have if your on the policy. If it's your own policy, you wont have any protected no claims, as 4 years is the minimum you can protect.

Protected or not, your insurance will go up next year anyway (as you'll have to say you have had an accident when you come to get a new quote next year).

You can always try your luck & ask the cop if he will do it privately.........

ps - now tell your dad haha - now that will be fun !!!
#37
JasonMason


If i were involved in a collision i'd definately ask colleagues for some assistance, if that were not possible i reckon a phonecall to ask for checks to be done would be the next best step as basically its the only way to verify everyone at the scene is insured/licenced and MOT'd.
Proving that all of these are valid is one way of proving that they aren't committing a driving offence.


Ahhhh i get it "perk" of the job, where as joe public has to run the gauntlet of weather the 3rd party is insured as his mate doesnt have a PNC armed blackberry :x

please note a personal view follows (if you are easily offended please overt your eyes!) . . . . .
i freekin hate the police always busy lining their own pockets as opposed to fighting crime such as rape, murder etc. . . . .ok rant over lol



hope i cant get banned for my very outgoing views :whistling:
#38
foxymissroxy
Ahhhh i get it "perk" of the job, where as joe public has to run the gauntlet of weather the 3rd party is insured as his mate doesnt have a PNC armed blackberry :x

please note a personal view follows (if you are easily offended please overt your eyes!) . . . . .
i freekin hate the police always busy lining their own pockets as opposed to fighting crime such as rape, murder etc. . . . .ok rant over lol



hope i cant get banned for my very outgoing views :whistling:


how exactly are they lining their own pockets?
[mod]#39
foxymissroxy;2648195
Ahhhh i get it "perk" of the job, where as joe public has to run the gauntlet of weather the 3rd party is insured as his mate doesnt have a PNC armed blackberry :x

please note a personal view follows (if you are easily offended please overt your eyes!) . . . . .
i freekin hate the police always busy lining their own pockets as opposed to fighting crime such as rape, murder etc. . . . .ok rant over lol



hope i cant get banned for my very outgoing views :whistling:


What a strange view. :thinking:
#40
bitseylango
how exactly are they lining their own pockets?


like most people would make a claim for a cracked plate . . . .this (to me) looks like a nice phat insurance claim for anything and everything bet you his brand new archos fell off the seat along with his new 3g iphone and are now broken!

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