Posted 13 September 2023

AskMID

A guy reversed into Mrs. I's car in a car park (she was in it 'luckily'), dinting/dislodging bumper. he got out n was all apologetic, Mrs. I got his phone n reg # n photo of damage.

Phoned the supermarket n they confirmed it's covered by CCTV n will release (they prefer to insurance co.)

We offered to guy to settle out of insurance (a garage quoted about £100 to straighten), now he's texted to say "You drove into back of me but it's OK". Basically being a ⚓, he didn't realise about CCTV etc.

Sooo, do you just go on AskMID, get his insurance co, then ring his insurance up (have checked reg # n it is insured) to claim n advise them about CCTV etc.? And it won't affect her insurance as a no-fault claim?

Wasn't too bothered but now I want to fight it so his insurance goes up. He could have just paid the £100 the garage quoted to fix.

Cheers!
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  1. AndyRoyd's avatar
    Contact the stated data controller of the CCTV and formally notify retention requirement of footage pre-acquisition, regardless of who will subsequently request/acquire that footage.

    If no contact details for the responsible party and/or if insurance options are not ideal:
    possible use-case for Form V888 DVLA, but check applicability
    gov.uk/req…vla
  2. samosa's avatar
    You’re over complicating this, get your partner to call her insurance give them the details and they’ll find the other parties insurer! (edited)
    Charger1969's avatar
    This is the correct answer, he admitted liability at the scene but gave no insurance details as there was an offer to fix outside of insurance, he has now gone away feeling smug because you have none of his details and his story changed.

    He has basically done a drive away after an accident, get the footage, send to insurance company stating he admitted liability at the scene and the footage backs it up.

    Make sure she gets a hire car while it's getting fixed as he will be paying for that as well, get the car fixed to a top standard, she will have to pay nothing, no excess, nada.

    Guy is a tool as he's going to end up paying a hell of lot more on his insurance due to a claim.

    If that had have been me and offered 100 quid to fix I would have just gone to the ATM and paid it!
  3. Mark_Hickman's avatar
    Yes you can approach the third party insurer directly however you still have to tell your partners insurance company that you've been involved in an accident.
    I don't think askmid tells you the insurance company, just if its insured or not, also just so you're aware, according to askmid it is also an offence to search another persons reg on their site so i wouldn't mention that to them (edited)
    Toon_army's avatar
    Yeah ASKmid only says if it's insured or not.
    Normally supermarkets won't give out the CCTV unless it's to the police.
    It will do down as a claim even though its not her fault, she'll have to declare it next year. Same thing happened to my mam, lorry hit her and she's now to to declare it for the next 3 years I think it was
  4. Roger_Irrelevant's avatar
    Author
    But this here

    askmid.com/askmidenquiry.aspx

    Says after an accident, the injured party can request details and AskMID can supply (quote)

    "insurance details: policy number, name of insurer and the claims contact details to help you progress a claim."

    Doesn't specify what injured party means, or "accident".

    Edit: according to legislation.gov.uk

    ' "injured party” means a person resident in an EEA State claiming to be entitled to compensation in respect of any loss or injury resulting from an accident ... '

    So yes, she is the injured party in respect of financial loss. (edited)
  5. BluebirdRobin's avatar
    I had a very similar situation, it took about 9 months as the 2 insurers were involved in a dispute, but luckily the driver at fault admitted it (had no cctv). I wouldn't assume it will be a done case especially as it was his rear. Account for the number of hours you will have to dedicate to this and you will have to declare it, plus your insurance won't fix it for £100, more likely it will be milked by their contractor garage for £600, on top of this my insurance renewal came up in between and it went up, luckily I was able to claim back the increment. But I could see how I would have lost out on 00's of he hadn't admitted fault. Sorry it's not want you want to hear, but there it is. (edited)
    Roger_Irrelevant's avatar
    Author
    Not fully sure what you're saying sorry; we can get CCTV, is it not just a case of, we claim on his insurance via AskMID, they're proven to be at fault so pay all costs n legal fees.
  6. BattleBeast1's avatar
    I know it sounds stupid but legally you are only supposed to check your own cars insurance on Askmid and it only tells you if a car is insured, not the company. If he doesn't settle without going through the insurance for the sake of £100 he's a mug, he probably has more excess than that. Unfortunately insurance companies are very fond of going 50/50 at fault now even if that's not the case. It's stupid cases like this that turn a simple £100 fix into £1000s wasted faffing about.
  7. Gollywood's avatar
    Identical thing happened to my wife (always the wives isn't it)

    Drivers fault 100%, very apologetic and offered to pay for damage.

    But I took it through insurance and now his insurer's are disputing liability.

    My vehicle has been repaired but I'm trying claw back the excess I paid but because we didn't claim any additional costs Admiral say they can't reclaim the excess etc etc. Only if other costs were over £400! (Excess was £225)

    Very frustrating that by being honest you lose out! (edited)
    Roger_Irrelevant's avatar
    Author
    Yeh it's a minefield, why should you have to pay an excess when you're claiming on his insurance?
  8. dcx_badass's avatar
    Sometimes they don't/won't give out cctv. However as she was in the car it makes it much easier as you can just do a SAR for any footage of her and they legally have to provide it.
  9. mrcaptain's avatar
    Even though it was a non-fault accident, claiming will also increase your insurance next renewal. Old guy went into me, admitted liability all the way. Next renewal, my insurance went up, even with another years no claims. Was told that it was because of that claim.
    CatsWithThumbs's avatar
    Same here, apparently just being in the way of someone who can't stop in time makes you a higher risk...
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