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    Car accident the other party on the run

    Hi
    Please can anyone help me, a friend of mine was involved in an accident and got her mirror knocked off. The lady that hit her admitted her fault, but said she did not have her insurance details at the moment but gave her phone number and we got the car reg.
    She was called and she said she was busy and would call back
    Since then when we call her no answer what do we do.
    We have insurance but our premium. May go up if we report it. The mechanic said it would cost £180
    What should we do
    Thanks

    43 Comments

    you are hoping to settle privately but not let your insurance know right?

    whatsThePoint

    just report them to the police for failing to provide details



    definitely do this, she may not be insured so the police need to be told

    Original Poster

    Yes we are willing to settle privately if she agrees
    What would the police do, would they find her and would they follow it up
    Do we need to inform the insurance now
    We have sent her a text to say if we don't her from her by tomorrow they we would inform DVLA and police and she. May be prosecuted if she has no insurance.
    What if she is not the registered keeper, she did not seem to care at the time of the accident, she was too cool, didn't even panic

    Wait until tomorrow, call a few more times - if no answer inform the Police!

    Pretty easy. Call her and tell her if she doesn't settle within a certain time (24 hours) then you will be informing your own insurance company who will take the claim forward. This will obviously be a bluff on your part but it will force her to comply if she doesn't have insurance. If you don't hear from her, call the police and report it. They will be able to trace her and go and have a word although they may just tell you to contact your insurance company. Even if they record it as an accident, its non fault so shouldn't affect yr premiums.

    Banned

    Unfortunately you may find the police useless in this situation. I had a similar incident a few years ago now when a guy slid into my car on ice, he was actually going to leave but I collared him, anyway he gave me 'his details' of address and phone number as he had no insurance info etc I did not believe him (looked and acted like a smackhead to me) so called the police there and then while I had hold of him who said there was nothing they could do until it was reported as a crime by the insurance company as all the guy was obliged to do was give me his details which he had done. I went to this guys address the following day and it was a false address, again I contacted the police who again said until the insurance company inform them of a crime there was nothing they could do.

    I just informed my insurance company and told them what I thought and left it with them, needless to say 6 months down the line the insurance company called me about the incident saying the details I had been given had turned out to be false....wtf!!!

    I would try and get what details you can ie address and go and see her and see what you can sort out otherwise just let your insurance company sort it out or pay for the repair and take it on the chin.....yes it is so unfair but reality says to me this is what will probably happen.

    Good luck

    Banned

    t_kaay

    Pretty easy. Call her and tell her if she doesn't settle within a certain … Pretty easy. Call her and tell her if she doesn't settle within a certain time (24 hours) then you will be informing your own insurance company who will take the claim forward. This will obviously be a bluff on your part but it will force her to comply if she doesn't have insurance. If you don't hear from her, call the police and report it. They will be able to trace her and go and have a word although they may just tell you to contact your insurance company. Even if they record it as an accident, its non fault so shouldn't affect yr premiums.



    it won't force her to do anything and even a non fault accident marks you down as more likely to have another accident

    I'm pretty certain that you have to declare accidents anyway, whether you have claimed or privately pursued. they ask seperately on quotes accidents, claims, convictions.

    Original Poster

    How can I obtain her details from DVLA ,from the car reg. do I need to fill a form or request it officially.
    At least I would get her address

    choice4

    How can I obtain her details from DVLA ,from the car reg. do I need to … How can I obtain her details from DVLA ,from the car reg. do I need to fill a form or request it officially.At least I would get her address



    you can check if the car is insured on the MID here : askmid.com/ask…spx they will charge £4 if you do it from a pc
    however i went to their site from my phone at the time of an accident at the roadside and it was free of charge so try that first.
    but it wont tell you in whos name just if its insured or not and who the insurance company is.

    you will have to request her details and fill a form V888 to show you have reasonable grounds to request the details from the dvla

    BUT
    go to the police and log it, bring your driving licence - both parts and copy of your insurance certificate.
    they will make a check your insured and then give you a log.
    they will pass to the local roadside team who will check the other persons details and deal with any criminal aspects themselves after sending you a statement to fill in.
    they wont tell you the other drivers details so youll have to reqest that yourself from the dvla with a V888 from ( available here https://www.gov.uk/request-information-from-dvla)
    youve covered your backside at least
    failing to declare this to your insurance company even if you dont make a claim, is fraud, at the time of renewal and they could cancel your policy for wilful no disclosure
    Edited by: "mrwhitelabel" 26th Jul 2014

    Original Poster

    Thank you do much do first of all I would find out if the car is insured, then contact the police, log it then contact the insurance and give them police log details if he request.
    Or find out if the car is insured, then request her details from DVLA , then writ her a letter so she would know I have her details and that I was going ahead to inform the police.
    At the end of the day she may not pay anything

    Could you not send her a text message saying that it is £180 to fix it and if she does not get back to you within 24 hours you will have no option but to report her to the Police and inform your insurance company, surely for such a small amount she would just pay to save the hassle?

    ewan231210

    Could you not send her a text message saying that it is £180 to fix it … Could you not send her a text message saying that it is £180 to fix it and if she does not get back to you within 24 hours you will have no option but to report her to the Police and inform your insurance company, surely for such a small amount she would just pay to save the hassle?


    Trouble is, £180 is not a small amount to most these days, myself included. (Im in no way suggesting she is right in what she's doing, just pointing out that £180 isn't what most would class as a 'small amount').

    hocka

    Trouble is, £180 is not a small amount to most these days, myself … Trouble is, £180 is not a small amount to most these days, myself included. (Im in no way suggesting she is right in what she's doing, just pointing out that £180 isn't what most would class as a 'small amount').



    I agree with what you're saying but it might actually be cheaper her paying the £180 than going through her insurance as I know my excess is £250.

    ewan231210

    I agree with what you're saying but it might actually be cheaper her … I agree with what you're saying but it might actually be cheaper her paying the £180 than going through her insurance as I know my excess is £250.


    I know what you mean. At least there would be no premiums increasing then aswell. Its alot of money either way.

    Banned

    hocka

    Trouble is, £180 is not a small amount to most these days, myself … Trouble is, £180 is not a small amount to most these days, myself included. (Im in no way suggesting she is right in what she's doing, just pointing out that £180 isn't what most would class as a 'small amount').



    £180 is just 2-3 tankfulls of petrol, its nothing nowadays

    mrwhitelabel

    you can check if the car is insured on the MID here : … you can check if the car is insured on the MID here : http://www.askmid.com/askmidenquiry.aspx they will charge £4 if you do it from a pchowever i went to their site from my phone at the time of an accident at the roadside and it was free of charge so try that first.but it wont tell you in whos name just if its insured or not and who the insurance company is.you will have to request her details and fill a form V888 to show you have reasonable grounds to request the details from the dvlaBUTgo to the police and log it, bring your driving licence - both parts and copy of your insurance certificate.they will make a check your insured and then give you a log.they will pass to the local roadside team who will check the other persons details and deal with any criminal aspects themselves after sending you a statement to fill in.they wont tell you the other drivers details so youll have to reqest that yourself from the dvla with a V888 from ( available here https://www.gov.uk/request-information-from-dvla) youve covered your backside at leastfailing to declare this to your insurance company even if you dont make a claim, is fraud, at the time of renewal and they could cancel your policy for wilful no disclosure



    failure to disclose an incident to an insurance company IS NOT FRAUD. It is not against the law either. the only time a car accident has to be reported is to the police IF there is an injury.

    I know this for a fact. I used to work for a car insurance company in their accident department. Car insurance train their staff to tell you it is but it isn't.

    whatsThePoint

    £180 is just 2-3 tankfulls of petrol, its nothing nowadays


    Not to everyone. Even £60 to fill the tank up is alot. Money is very tight for most these days.

    Banned

    hocka

    Not to everyone. Even £60 to fill the tank up is alot. Money is very … Not to everyone. Even £60 to fill the tank up is alot. Money is very tight for most these days.



    if you have trouble finding £180 how did you ever find the cash to buy a car in the first place?

    jonnithomas

    failure to disclose an incident to an insurance company IS NOT FRAUD. It … failure to disclose an incident to an insurance company IS NOT FRAUD. It is not against the law either. the only time a car accident has to be reported is to the police IF there is an injury. I know this for a fact. I used to work for a car insurance company in their accident department. Car insurance train their staff to tell you it is but it isn't.



    If they ask you and you dont tell them, it could be deemed to be fraud by False Representationor at least theft - obtaining a pecuniary advantage by deception.
    If they dont ask - you dont have to tell but if they ask and if you dont tell and didnt take "reasonable care" to disclose everything expected you could get a policy nullified and face action if necessary eg if the misrepresentation was deliberate or just careless
    The MET and other forces have an Insurance Fraud Department , which works with insurers to prosecute everyone from small time to large scale insurance fraud.

    you may used to have worked there, but laws has changed, so be careful with the information you give for example are you fully conversant with the Consumer Insurance (Disclosure and Representations) Act 2012
    and legally yes you only NEED to report an accident if there is an injury
    but if this driver isnt insured, wouldnt you want the car off the road - i know i would, hence why i said to report it.


    Edited by: "mrwhitelabel" 27th Jul 2014

    mrwhitelabel

    If they ask you and you dont tell them, it could be deemed to be fraud by … If they ask you and you dont tell them, it could be deemed to be fraud by False Representationor at least theft - obtaining a pecuniary advantage by deception.If they dont ask - you dont have to tell but if they ask and if you dont tell and didnt take "reasonable care" to disclose everything expected you could get a policy nullified and face action if necessary eg if the misrepresentation was deliberate or just carelessThe MET and other forces have an Insurance Fraud Department , which works with insurers to prosecute everyone from small time to large scale insurance fraud.you may used to have worked there, but laws has changed, so be careful with the information you give for example are you fully conversant with the Consumer Insurance (Disclosure and Representations) Act 2012 and legally yes you only NEED to report an accident if there is an injurybut if this driver isnt insured, wouldnt you want the car off the road - i know i would, hence why i said to report it.



    yes, I'm aware. I left them late last year. the majority of the advice you gave was sound (mid). fraud is claiming money off insurance deceptively not simply not disclosing something you didn't claim on.

    yes, I would agree people driving without insurance are a menace. however, you are misleading people in how you are saying things.

    I could quote Law lords that have said being in the Financial services industry does not make Insurance Companies a special case in the law. An example being they ask if you have ever been criminally prosecuted... you don't (by law) HAVE to tell them after the statute of limitations has passed unless one was sentenced for MORE than 2 1/2 years. They also ask about traffic convictions in the last FIVE years. You only need to tell them IF you were fined a sum of money as the fine lasts for five years on your record. You only have to tell about points if they are still on your licence.

    jonnithomas

    yes, I'm aware. I left them late last year. the majority of the advice … yes, I'm aware. I left them late last year. the majority of the advice you gave was sound (mid). fraud is claiming money off insurance deceptively not simply not disclosing something you didn't claim on.yes, I would agree people driving without insurance are a menace. however, you are misleading people in how you are saying things. I could quote Law lords that have said being in the Financial services industry does not make Insurance Companies a special case in the law. An example being they ask if you have ever been criminally prosecuted... you don't (by law) HAVE to tell them after the statute of limitations has passed unless one was sentenced for MORE than 2 1/2 years. They also ask about traffic convictions in the last FIVE years. You only need to tell them IF you were fined a sum of money as the fine lasts for five years on your record. You only have to tell about points if they are still on your licence.



    it is also getting a cheaper policy by not declaring all material facts when asked
    eg have you had any accidents in the past 5 years
    and saying no
    when in fact you have
    would be a deliberate deception with the intent of getting a cheaper policy in the knowledge that disclosing it would lead to a higher premium
    it, like fronting, can lead to a policy cancellation and proscecution, if the police were informed and they decided to ask


    advising someone to materially not disclose things when asked, is really poor advice however you look at it,

    mrwhitelabel

    it is also getting a cheaper policy by not declaring all material facts … it is also getting a cheaper policy by not declaring all material facts when askedeg have you had any accidents in the past 5 yearsand saying nowhen in fact you havewould be a deliberate deception with the intent of getting a cheaper policy in the knowledge that disclosing it would lead to a higher premiumit, like fronting, can lead to a policy cancellation and proscecution, if the police were informed and they decided to askadvising someone to materially not disclose things when asked, is really poor advice however you look at it,



    Im saying that you don't legally have to tell them. I have not suggested people do it.

    insurance companies manipulate the system to gain financial advantage off the customer. not telling them is NOT fraud. insurance companies train their staff (at least the company I worked for did) to claim it's the law that you HAVE to tell them, it isn't the law tho. they also don't tell you it's usually a cheaper premium to add your partner to the named driver either even tho he/she never drives your car. there are loads of things they don't volunteer which would reduce costs. this isn't fraud, it's not an offence in any way.
    Edited by: "jonnithomas" 27th Jul 2014

    whatsThePoint

    if you have trouble finding £180 how did you ever find the cash to buy a … if you have trouble finding £180 how did you ever find the cash to buy a car in the first place?


    I did not say I had trouble finding £180, Im purely pointing out that £180 is not a 'small amount' to everyone (as stated in a previous post)

    Banned

    hocka

    I did not say I had trouble finding £180, Im purely pointing out that … I did not say I had trouble finding £180, Im purely pointing out that £180 is not a 'small amount' to everyone (as stated in a previous post)



    you do realise you're on a site where £1000s are spent everyday on items that people don't really need and the main buying reason is having x amount of cash sat around doing nothing

    whatsThePoint

    you do realise you're on a site where £1000s are spent everyday on items … you do realise you're on a site where £1000s are spent everyday on items that people don't really need and the main buying reason is having x amount of cash sat around doing nothing


    Nope, I know Im on a site that I, and many others, use to save money.

    Or are you telling me this site is only for people with x amount of cash sitting around doing nothing?

    Banned

    hocka

    Or are you telling me this site is only for people with x amount of cash … Or are you telling me this site is only for people with x amount of cash sitting around doing nothing?



    i'm saying only a small minority of people who drive don't have £180

    whatsThePoint

    i'm saying only a small minority of people who drive don't have £180


    Funny, I never seen that said anywhere. Or have I missed the point whatsThePoint?

    Banned

    hocka

    Funny, I never seen that said anywhere. Or have I missed the point … Funny, I never seen that said anywhere. Or have I missed the point whatsThePoint?



    that's because you are so obsessed with thinking £180 is a lot of money to most people when it isn't you had trouble reading between the lines

    In my opinion, £180 is alot of money to lots of people, myself included. I fail to see how you come to the conclusion that it isn't. Where are you getting your info from? How do you know what other people class £180 as?
    If I have trouble reading what it written, maybe it has something to do with the fact you do not use any punctuation.

    Banned

    hocka

    In my opinion, £180 is alot of money to lots of people, myself included. … In my opinion, £180 is alot of money to lots of people, myself included. I fail to see how you come to the conclusion that it isn't. Where are you getting your info from? How do you know what other people class £180 as?If I have trouble reading what it written, maybe it has something to do with the fact you do not use any .



    so as you made your claim first you will have no trouble providing a link to back up your claim the majority of people don't have a spare £180 before I provide a link saying they do

    sorry your reading level is so low my non use of the correct punctuation has left you struggling, but as the vast majority of people don't have a problem understanding what I am saying i'm not going to change just to keep you happy

    Original Poster

    Cool it guys, I only asked for a simple info here, it is now going off topic
    Please stop the fighting life is too short
    Thanks all for the info

    whatsThePoint

    so as you made your claim first you will have no trouble providing a link … so as you made your claim first you will have no trouble providing a link to back up your claim the majority of people don't have a spare £180 before I provide a link saying they dosorry your reading level is so low my non use of the correct punctuation has left you struggling, but as the vast majority of people don't have a problem understanding what I am saying i'm not going to change just to keep you happy


    choice4

    Cool it guys, I only asked for a simple info here, it is now going off … Cool it guys, I only asked for a simple info here, it is now going off topicPlease stop the fighting life is too shortThanks all for the info


    Agreed.

    Banned

    hocka

    Agreed.



    you agree yet its you doing the fighting, no wonder its so hard to reason with you when you have such a poor grasp of reality X)

    Did your friend take any pics of the damage?

    whatsThePoint

    you agree yet its you doing the fighting, no wonder its so hard to reason … you agree yet its you doing the fighting, no wonder its so hard to reason with you when you have such a poor grasp of reality X)



    pot, kettle and black ; have a nice day.

    I haven't read through all of the drivel, but first things first, the police won't do anything, accident has happened and details have been passed, now the other option is you text the offender and say that if they don't help with the costs, you will have no option but to claim on the insurance which will cost them their excess, they could still say they never did it. Sadly these things happen and after weeks or stress trying to get someone else to pay for something, you wonder why you didn't just pay for it in the first place!!

    And also, what mirror on a normal car costs £180? As you are claiming £60 is a lot to afford, I'm assuming you don't drive a merc.
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