Insurance claim, or not?

[carbonarc]

Sue the drunk driver for criminal damage. Perhaps with "Small Claims Court" action. The driver will then refer it to the insurers for settlement and not involve your insurer.

 

[ajlelectronics]

Sue the drunk driver for criminal damage. Perhaps with "Small Claims Court" action. The driver will then refer it to the insurers for settlement and not involve your insurer.

The council will still want their pound of flesh, so he is stuck with plan A unfortunately.

 

[dan.taylor.1]

If you do end up scrapping it can i have the handbrake lever if it's intact?!

 

[Tom O]

Don’t forget about getting a rental car

 

[gaz1]

I have a black 2006 Honda Civic 1.8 VTEC. It is the only one of my cars that actually works. Or it did, until 1 a.m. this morning, when the Police rang my doorbell to inform me that, whilst parked in the street, it had been hit from behind by a drunk driver in a BMW, and pushed into a Council parking ticket machine. The driver is in Police custody, and the Honda is a write-off.

The other car is a 1-year old BMW 330 SE Hybrid. According to the Motor Insurance Database ( askMID website ), it is insured.

The Police have just been round to ask me if I saw it happen - I did not. The guy is still in custody, is refusing to make a statement, and refuses to admit that he was the driver.
The incident had been called in by a passing taxidriver. When I went out the BMW was jammed against my car, headlights on full, airbags deployed, empty. The cop car and one officer had gone, taking the "breathalysed suspect" to the station. I don't know where this guy was when they grabbed him.

ive pulled up your quotes

for the police to say its been hit by a drunk driver they have a good idea who by and more so since there arrested and in police custody

it dosnt matter if the driver wont give a statement all you need is the medical file and they will be one as when air bags go off they hurt and a drunk driver will have got full impact of one so will certainly have bruises from the air bag going off

coming back to ask if you seen it happen well thats a police cop out to the original statement and it seriously begs the question whos lieing with there statements

now the taxi driver has cctv recording in there cabs as they use the evidence when they get robbed themselves all depends on who the taxi company is though not all cabs use cctv within there cabs but i bet the majoraity does do even the ones with dash cams

you need to find out the taxi company name to get the info as well you dont want it from the police but you do want it from the driver note do it fast though due to recording times and over wipes

 

[tom2207]

Yes this is true, but it's the way it's worded that impacts your file on renewal date..."Have you had any accidents, claims or convictions in the last..."

yep , and its a bit like Ben Johnstons left leg ,,,,

Its not fair and its not right ...

some days it seems the more decent you are the harder you get kicked , the whole karma thing is great , but it just seems to work too slowly.

 

[addjunkie]

Proving who was driving shouldn't matter, the BMW did the damage, the BMW will be insured. The insurance for the BMW should pay. Id claim as the council bill will be big, and youll also need a hire car etc…

 

[Gareth J]

I'd say, it depends. If the value if the car is worth less than the hassle of chasing the BMW's insurance (minus scrap value), maybe just keep it simple and scrap it.

Your excess shouldn't come into it.

Yes, they're likely to put up premiums next year. But, unless you can be very sure the wording of the documentation means you don't, you'll probably be obliged to tell the insurance company about the situation anyway. And still be hit with a higher premium.

 

[ajlelectronics]

I'd say, it depends. If the value if the car is worth less than the hassle of chasing the BMW's insurance (minus scrap value), maybe just keep it simple and scrap it.

Your excess shouldn't come into it.

Yes, they're likely to put up premiums next year. But, unless you can be very sure the wording of the documentation means you don't, you'll probably be obliged to tell the insurance company about the situation anyway. And still be hit with a higher premium.

And when the council want their property paid for?

 

[angellonewolf]

And when the council want their property paid for?

In this situation I'd say the council should go after the BMW driver as yes it his car but it was parked with no one in it
It should be like the car was not there and the BMW just hit the sign post meter etc

What will prob happen your car is the easy target its insured they can prove it yours so hence claim off you

 

[angellonewolf]

Proving who was driving shouldn't matter, the BMW did the damage, the BMW will be insured. The insurance for the BMW should pay. Id claim as the council bill will be big, and youll also need a hire car etc…

Is the car insured or the person driving ?

I think it's a person as an object can't owe money

 

[ajlelectronics]

In this situation I'd say the council should go after the BMW driver as yes it his car but it was parked with no one in it

It doesn't work like that. The insured vehicle that hit the council's property is the one liable. In turn that can be claimed from the BMW driver's insurance.

 

[hunter27]

Make a claim to cover yourself.
I was hit while parked up luckily the lady knocked on the door to tell me. I had to notify my insurers for 5 years after that but as it was a no fault claim it didn't affect my premium much.

 

[Gavlar]

Is the right answer

Proving who was driving shouldn't matter, the BMW did the damage, the BMW will be insured. The insurance for the BMW should pay. Id claim as the council bill will be big, and youll also need a hire car etc…

Is the right answer.

The council will come to you for the other damage. Just let your insurance co. sort it out, it's what they are paid for. It's unlikely to have much effect on renewal premiums. (At least, not yours. BMW driver might have a few issues!)

 

[pint]

too many 3rd parties involved to not report it to your insurance co.

the chances of them not hearing about the accident is slim to none and you'll be listed as failing to declare it which i'd guess will effect premiums a lot more

 

[Shox Dr]

Is the right answer

Is the right answer.

The council will come to you for the other damage. Just let your insurance co. sort it out, it's what they are paid for. It's unlikely to have much effect on renewal premiums. (At least, not yours. BMW driver might have a few issues!)

No way would I let my insurance Co deal with it with out knowing what they are doing... I was hit from behind, zero damage to my pickup, the other car was proper bent.
Informed insurance. yr later premiums through the roof. Its then I find out my Insurance Co, had agreed 50/50 fault. For someone who ran up my ****.

In the end I had to threaten them with legal action, before they sorted it out. Turned out he was insured with the same brokers and underwriters as I. (F'in con-artists )

 

[reb78]

No way would I let my insurance Co deal with it with out knowing what they are doing... I was hit from behind, zero damage to my pickup, the other car was proper bent.
Informed insurance. yr later premiums through the roof. Its then I find out my Insurance Co, had agreed 50/50 fault. For someone who ran up my ****.

In the end I had to threaten them with legal action, before they sorted it out. Turned out he was insured with the same brokers and underwriters as I. (F'in con-artists )

Depends on the on the insurance co. The decent ones will deal with it well. The 'quote cheap provide no service' type companies will do as you suggest.

 

[awemawson]

If your future premiums are adversely affected you should be able to persue a claim for 'diminuation' from the BMW driver, and any settlement you reach now with him or his insurance should expressly exclude future diminuation unless they make a generous offer to you to include it.

 

[daedalusminos]

I was insured with Hastings, they were really good, it should be dealt as a no fault claim...if applicable to your policy they may provide a courtesy car (maybe not if it is a write off). I claimed on Hastings (no fault) and it didn't affect my premium that year but I did see a hike a couple of years later....shopped around and got it down to where it was...whilst declaring the no fault claim.

 

[angellonewolf]

they will normaly give a car but if its a write off they pay out asap prob before you even get the hire car