04-23-2018, 06:27 AM | #23 |
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I think it still going to be your word against theirs.
you say he hit you, he says he didn't, the damage was there before... and you are tyying it on to blame them for damage you already sustained.. that will be the end of it i'm afraid. as you can't prove otherwise. i'm not saying it is right.... but i don't see any other outcome. |
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04-23-2018, 06:47 AM | #24 | |
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04-23-2018, 07:41 AM | #25 | |
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04-23-2018, 07:43 AM | #26 |
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Repairable. Local ChipsAway has quoted £250 inc.
Not the end of the world, but annoying nonetheless.
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04-23-2018, 10:28 AM | #27 |
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I do hope you get somewhere with it without stinging you too much but I do wonder when you say it had white paint through the scratch, that camper has grey unpainted bumpers so not sure it'd be him/her.
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04-23-2018, 11:12 AM | #28 |
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You’ve got the details of the other vehicle.
The motor insurance database for a nominal fee of £4 or so will give you the other drivers details. Give them a shout tell them it’s on dash cam and go from there.
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04-23-2018, 11:51 AM | #29 | |
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Seems to much of a coincidence to be parked next to a white vehicle and then to have dame and white paint left on the area.
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04-23-2018, 11:57 AM | #30 |
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I never knew that ! This Forum is a goldmine Many thanks
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04-23-2018, 01:34 PM | #31 |
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More than welcome.
Let us know how it goes Genuinely annoys me these hit and runners Good luck.
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04-23-2018, 02:52 PM | #32 | |
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Will be interesting to see what happens.
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04-24-2018, 12:50 AM | #34 |
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04-24-2018, 01:57 AM | #35 |
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Yes, but that's a good start. There insurer will be legally obliged (I assume) to notify the vehicle owner/driver that an incident involving them has been reported.
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04-24-2018, 05:09 AM | #36 | |
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Shop around, should be able to get it done for a few hundred quid. |
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04-24-2018, 05:50 AM | #37 | ||
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04-24-2018, 06:04 AM | #38 |
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Insurers can be a pain, if you report the incident it can affect your future premiums even if you don't make a claim. My sister got her car hit in a hospital car park and the 3rd party said they would just pay for it, after no contact from them for several days she reported it to her insurers. The 3rd party did come good and paid in full so there was no claim, but her premiums went up a lot come renewal time as the incident was on their system. Not very fair in a totally no fault situation like yours.
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04-24-2018, 06:39 AM | #39 | |
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That seems like the best plan of action .. anything under £500 isn't worth the hassle of going through insurance, I've been on the wrong side of increased premiums for a few years after a non fault claim These drivers who hit cars and drive off deserve to have their teeth pulled out with a pair of pliers |
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04-24-2018, 06:52 AM | #40 | |
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The incident will be recorded on a national data base, now that you have notified them. When you come to renew you will be obiged to declare this 'no fault' incident. This will raise your premium. If you don't declare it and make a claim they can void your insurance as they will be able to see it on the insurance data base. It happened to my daughter who did not go through her insurance when a car hit her stationary car. They paid for the repair. At renewal it was on her renewal form as a ' no fault' incident. It raised her premium by £80 than if not declared. When this was queried they said that statistically people who are involved in 'no fault' incidents are more likely to have another one, so are more of a risk. |
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04-24-2018, 07:58 PM | #41 | |
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Insurance took care of the whole thing but my premium went up due to a "no fault accident" I can understand them thinking that you may have failed to avoid an accident and so may do it again. But when you're not moving or in this case, not even in the car what can you do to avoid it |
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04-25-2018, 03:48 AM | #42 | |
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Sadly, they too often rely purely on statistics alone to inform their judgements and assumptions. In the case of ‘no fault claims’, their assertion is that those making a claim in these circumstances are statistically more likely to make another. Essentially, they suspect everyone of being out to defraud them. However, I am yet to see full disclosure of these ‘statistics’ and the alleged correlations; for all the lay person knows, it’s just an invented method of broadly inflating a premium, and in some way used to cushion the pay-out. Easy money when you have no way to possibly challenge their statistical claim. For me, it is a signal of there being something inherently wrong with an industry when people are dissuaded from claiming, in fear of the negative effect it would have. |
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04-25-2018, 01:03 PM | #43 | |
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It's probably white ones now as they seem to be flavor of the month at the moment. |
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04-26-2018, 01:54 PM | #44 | |
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Population research and statistics is my day job, and I would dearly love to be able to take on the 'fake science' of insurance statisticians in a face to face debate. Two examples of elementary statistics would bury their assertions immediately. 1. I walked into a casino in Monaco yesterday and I pulled the slot machine - win £1000. Today, I walk into the same casino and I pull the same slot machine. The fact that I won yesterday cannot have improved my chance of winning today. They are independent events. 2. My car is parked outside a supermarket. Lightning strikes my car, causing a no-fault claim. The next time I go to the supermarket, does that mean my car is more likely to be hit by lightning than anybody else? Or that some van driver is more likely to reverse into my car, thus triggering another no-fault claim? Clearly not! |
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