Someone hit run my car

28
Posted 28th Feb
I don’t know where it happened and when it happened but someone hit my car and I just realised that there’s massive damage on the back passenger seat door this morning.
Can I make a claim? There is no cctv and I can’t prove anything. My excess is not that high but I’m worried that my next year premium will increase although is non fault.
anyone had similar experience?
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A lot of insurance policies will cover a claim of this kind but I'd get a private quite first and see whether your excess, increase in claims etc. Is worth the difference

Its so annoying when this kind of thing happens, some people are just bas*@&ds
28 Comments
Firstly, might be worth telling the police and taking some pictures. The car that hit you may have left some paint on your car

Yes, you can make a claim on your insurance.

As you don’t know who hit you, it’s hard to say how the claim will be classed but it depends on your insurer. Likely your premium will increase but if there is massive damage to your car then it will cost a lot so paying for it yourself isn’t an ootion
Edited by: "Candystore" 28th Feb
A lot of insurance policies will cover a claim of this kind but I'd get a private quite first and see whether your excess, increase in claims etc. Is worth the difference

Its so annoying when this kind of thing happens, some people are just bas*@&ds
Yes had similar experience someone hit my parked car and caused a lot of damaged to the side of the car and front.

Without any details of the vehicle I had to claim on my own insurance and pay the excess. It also was classed as a fault claim as there was no other party to claim from.

Ended up costing me an awful lot both as the excess on the policy was expensive plus my premium increased a lot at renewal

Sorry this probably isn’t what you wanted to hear.
Thing is, you can't prove it wasn't you either. My husband's car was stolen once. His no claims was protected as was mine. Because he was a listed driver on my policy, my premiums went up even though his was unaffected. Life isn't always fair.
myusernamehasgone23428/02/2020 19:51

Yes had similar experience someone hit my parked car and caused a lot of …Yes had similar experience someone hit my parked car and caused a lot of damaged to the side of the car and front. Without any details of the vehicle I had to claim on my own insurance and pay the excess. It also was classed as a fault claim as there was no other party to claim from.Ended up costing me an awful lot both as the excess on the policy was expensive plus my premium increased a lot at renewal Sorry this probably isn’t what you wanted to hear.


I’m ok to pay off the excess as mine isn’t very high. It’s defo cheaper than the cost of repairs for me...
I’m just worried about the premium
psychobitchfromhell28/02/2020 19:54

Thing is, you can't prove it wasn't you either. My husband's car was …Thing is, you can't prove it wasn't you either. My husband's car was stolen once. His no claims was protected as was mine. Because he was a listed driver on my policy, my premiums went up even though his was unaffected. Life isn't always fair.


Very unfair. I also have a second driver on the vehicle and they’re probably going to get affected also
Merry00028/02/2020 20:02

Very unfair. I also have a second driver on the vehicle and they’re p …Very unfair. I also have a second driver on the vehicle and they’re probably going to get affected also


I know. Ridiculous. Thing is, there are so many cheats out there, the good guys lose out
you can claim on your insurance but as others have said it will increase your premium next year. insurers will always get their money back one way or another. go to a garage and get a quote to see how much it will cost to fix it as that will then allow you to make a judgement as to whether it is worth putting in a claim or just to swallow it.
How old is the car? Is the damage just to one door?
I had this happen but luckily found the van which did it due to Facebook.

Anyway I got a door from a scrapyard and got it resprayed. Was about £150 all in which van owner paid.
Candystore28/02/2020 19:42

Firstly, might be worth telling the police and taking some pictures. The …Firstly, might be worth telling the police and taking some pictures. The car that hit you may have left some paint on your carYes, you can make a claim on your insurance.As you don’t know who hit you, it’s hard to say how the claim will be classed but it depends on your insurer. Likely your premium will increase but if there is massive damage to your car then it will cost a lot so paying for it yourself isn’t an ootion


Do you think the police are going to investigate it or be interested, they haven’t got the manpower for that I’m afraid
Sure you can claim a non fault claim. Whether or not it will cost any of your no claims bonus will depend on your insurance company's policy regarding no fault claims. Even if it doesn't affect your no claims, or if you have it protected, won't make much difference as your base premium will still go up as, congratulations, you are now a greater risk! If you can afford to pay to get it done then I would just bypass the insurance company (even though you are supposed to declare it).
Edited by: "deeky" 28th Feb
Candystore28/02/2020 19:42

Firstly, might be worth telling the police and taking some pictures. The …Firstly, might be worth telling the police and taking some pictures. The car that hit you may have left some paint on your carYes, you can make a claim on your insurance.As you don’t know who hit you, it’s hard to say how the claim will be classed but it depends on your insurer. Likely your premium will increase but if there is massive damage to your car then it will cost a lot so paying for it yourself isn’t an ootion


Haha lady I know just had a high end audio and new golf stolen from her house , broke in while they was alseep upstairs

Police came 36 hours later to tell her that the guys will be long gone and stripped ,

There next hope maybe dna or prints to catch them ?

Nope they said they would bother either

Send them a pic of a dint , good luck with that
deleted8085828/02/2020 21:29

Sure you can claim a non fault claim. Whether or not it will cost any of …Sure you can claim a non fault claim. Whether or not it will cost any of your no claims bonus will depend on your insurance company's policy regarding no fault claims. Even if it doesn't affect your no claims, or if you have it protected, won't make much difference as your base premium will still go up as, congratulations, you are now a greater risk! If you can afford to pay to get it done then I would just bypass the insurance company (even though you are supposed to declare it).


Sadly it’s classed as a fault claim as they have no one else to blame, had something similar happen to us last year and makes you sick that people hit you and walk away.
Unless it's very bad damage , pay for repair yourself. If you make a claim , you will have to declare it for the next 5 years
Don't let your insurance know if the repair is not more than 600£ at least trust me it is not worth it... (keep in mind excess).Premiums will go up next year and 5 years you need to click the point about a claim that wasn't your fault.. Police is useless in this matter because you will only get a crime reference number at best ask me how i know.. Bite the bullet and repair it yourself. Look around your street are there any cars damaged might be your neighbour's...

For future look up decent cameras at least 3mp to start with. It will help to see the license plate..
With them it can be tricky it has to be really good footage/screen shot quality otherwise police will say it is useless in court. Where i used to live it was a problem even when my bins got stolen i had a clear footage of 3mp camera it wasn't good enough for them and even if they prove him guilty if the guy has been charged before with something they can't ask him to pay for it (like wt*? That's what the cops told me..) I moved away and even though i have a large land in front of the house i still bought 4k (8MP) hikvision ip cameras.
Edited by: "Halfaudio" 29th Feb
There are some unimaginable dents repair shops can get out these days, just look on YouTube, get a few quotes from specialist dent repairers before doing anything
It depends if u have protected no claims. If u do your policy will increase but not excessively because u would still have your no claims bonus. If u don’t have it protected then it would depend on your policy terms as to if u lose it all or not.
eslick28/02/2020 22:14

Sadly it’s classed as a fault claim as they have no one else to blame, had …Sadly it’s classed as a fault claim as they have no one else to blame, had something similar happen to us last year and makes you sick that people hit you and walk away.


Yeah, I meant nobody else to blame claim rather than no fault.
Pilsbury1229/02/2020 05:33

It depends if u have protected no claims. If u do your policy will …It depends if u have protected no claims. If u do your policy will increase but not excessively because u would still have your no claims bonus. If u don’t have it protected then it would depend on your policy terms as to if u lose it all or not.


I had protected no claims and mine went up considerably and the following year too.

Now shopped around too and my own provider was the cheapest.

Making a claim even with Protected NCB can greatly increase the renewal price
myusernamehasgone23429/02/2020 10:11

I had protected no claims and mine went up considerably and the following …I had protected no claims and mine went up considerably and the following year too. Now shopped around too and my own provider was the cheapest.Making a claim even with Protected NCB can greatly increase the renewal price


Yes, purely on the basis that you are now a greater risk and so your base premium increases. I have never had my no-claims protected. It's a con.
If you happen to be with Hastings direct then they don't take your no claims bonus off you in cases of vandalism and hit and runs etc.. Most other insurance companies would class it as a claim hence you would lose some no claims bonus (usually 2 years). No claims protection is a scam, they merely increase your premium etc.. Your premium would be higher for next 5 years too etc..

Definitely get a few quotes first, Realistically you're unlikely to find or prove third party at fault unless they decide to do the honourable thing. You could post it on Facebook, maybe on some of the for sale pages on there etc.. You never know. Good luck.
deleted8085829/02/2020 10:16

Yes, purely on the basis that you are now a greater risk and so your base …Yes, purely on the basis that you are now a greater risk and so your base premium increases. I have never had my no-claims protected. It's a con.


I think it does just give you a bit of discount on your now increased policy if you stick with the same provider but yeah agree it’s a con.

I can’t believe how much of pocket I was from some idiot driver who didn’t stop they must have heard such a bang and cause considerable damage to their own vehicle too.
myusernamehasgone23429/02/2020 10:23

I think it does just give you a bit of discount on your now increased …I think it does just give you a bit of discount on your now increased policy if you stick with the same provider but yeah agree it’s a con.I can’t believe how much of pocket I was from some idiot driver who didn’t stop they must have heard such a bang and cause considerable damage to their own vehicle too.


Yes but like you said, only if you stay with the same insurer. If you move somewhere else you might as well have never paid the extra to protect it.
MonkeysUncle28/02/2020 20:14

I got a door from a scrapyard and got it resprayed. Was about £150 all in …I got a door from a scrapyard and got it resprayed. Was about £150 all in which van owner paid.


kin' ell that's cheap or was it 20 years ago!
Run a new quote and state one claim made. That would tell you how much your looking at the next time
Put up a pic of the damage and some details of the car. If just the door then I'd buy a used door from a breaker. That will be far, far cheaper than an insurance claim. Depends a bit on the colour how easy it might be to get a replacement the same shade.
Just a suggestion , but why not run a comparison through a site like confused dot com , and see if you would actually have much higher premiums next year if you put a claim through , by adding the accident and expected costs when you do a set of quotes , and doing a set of quotes without the accident ? I had a fault claim about 18 months back ( in the1000’s on the other car and about £1k on mine ) and the premiums didn’t increase above the extra £10 or so annual increase I would have expected , All down to individual policies , no claims , experience etc , but I was surprised as everyone is always so full of doom and gloom about premium increases following accidents .
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