Mertin
Member
Registered: 12th Oct 05
Location: Scotland
User status: Offline
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had a car hit my front wing this afternoon due to me being in wrong lane. Very light damage to oth cars however the other car is an N reg civic that already looks worse for wear
The female driver says its her sisters boyfriends car, but says she is insured. Got her details and the owners details. Should I phone police and see if she is insured on it? Obviously id rather go through this without insurance companies, and because its light damage.
just a quick post from my phone, apologies if its vague
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Half Pint
Member
Registered: 25th Mar 02
User status: Offline
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you should report it to the police regardless.
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Nath
Member
Registered: 3rd Apr 02
Location: MK
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quote:
Originally posted by Half Pint
you should report it to the police regardless.
Yep. If only to get a Crime Ref Number.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
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do a check on ask mid seeing if it's insured at all?
if it is, go to the police station and ask whether they can find out if she is insured on her sisters boyfriends policy.
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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Police wont care if no one was hurt..
Check the car on the MID (www.askmid.co.uk) if its not insured tell them to GTF.. Otherwise speak to the owner and arrange repair/financial reimburcement instead of insurance and if you do this make sure its all in writing!
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
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beat me too it lol
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Ecosse Sport
Member
Registered: 5th Jun 02
User status: Offline
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If it was your fault, speak to the owner of the car and offer them some money to avoid it affecting your insurance - then just get your car sorted.
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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Ask MID is shit, don't pay any attention to what it says.
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Mertin
Member
Registered: 12th Oct 05
Location: Scotland
User status: Offline
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Was just away to consider paying the £3.50 
If it was her sisters car id maybe think she was insured, but its her sisters boyfriends car she said. And she was awful quick in wanting to get away even though it was my fault
What should I do if it turns out shes not insured, yet the accident was still my fault? Can I get out of paying for their damage?
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Mertin
Member
Registered: 12th Oct 05
Location: Scotland
User status: Offline
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Ask MID says its on te dataabse (did it saying it was my car for free check)
Might pop down to the police station and see if they can be of any help, dwith me reporting it to the police does this mean they have to get involved and it has to be dealt with through insurance? Also it happened 60miles away in Aberdeen and im now at home in Buckie. Will it have to be the Aberdeen police station?
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Mertin
Member
Registered: 12th Oct 05
Location: Scotland
User status: Offline
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Went to Police and reported it. Still haven't heard from the driver of the car / owner. Away to phone police with my insurance details just now
They were in the wrong lane, but I kind of was too but I could easily use that lane because I was taking the first exit, and so should everyone in the left lane be
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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Last thing I would have done is phone the police.
If you exchanged details and she wasn't insured I doubt you would have heard anything from it. Personally I'd have left it to stew for a few days. Now that accident is going to be on the Insurance Database as at fault against your name, increasing your premiums for 3/5 years
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Mertin
Member
Registered: 12th Oct 05
Location: Scotland
User status: Offline
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He said the police dont have to get involved unless it turn into a police matter such as no insurance.
I didnt give them my insurance details at the scene (didnt even think, just gave my details) but police asked for my insurance details because its my legal requirement to do so. They have said to contact my insurance, but I dont want to because then they'll know about it and if I settle this without insurance will they have to know or wonder what the outcome was?
One of my mates had a minor accident 2 years ago, and got a letter last week saying he wa sbeing sued for £2000 by the woman he hit and is due in Edinburgh high court in Setpember. Thought it would be best to do everything the book, dont want anything coming back and biting me in the arse. Police officer also said it looked as if they were at fault
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fir3vip3r
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Registered: 14th Jun 06
Location: Stevenage, Hertfordshire
User status: Offline
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Why have you reported it to the police? Are you going to take it through insurance or not? Have you contacted her insurance company yet?
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Mertin
Member
Registered: 12th Oct 05
Location: Scotland
User status: Offline
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quote:
Originally posted by fir3vip3r
Why have you reported it to the police? Are you going to take it through insurance or not? Have you contacted her insurance company yet?
reported it to the police incase any problems arise or the driver turns out to be an arsehole /blames me for more damage than there is. Im not taking it through insurance as its minimal damage to my front wing and would cost me more for my excess than it would to fix myself. Haven't got her insurance details. Was 4pm, rush hour traffic on a roundabout and just got her details and the owner of the car's details. tbh im not fussed if they dont contact me, im just glad the damage isnt alot worse because they just missed my door by an inch and a half
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16vKarlos
Member
Registered: 27th Oct 07
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The police WILL NOT give you the insurance details (who is or is not insured) on the vehicle.
best thing to do is track the owner of the car and meet him and speak to him on a MATES basis and decide whether it will be an insurance jobby (if she was infact insured)
you wont know where to stand until this is done me thinks
karlos
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Dan.H
Member
Registered: 2nd Sep 07
Location: middlesbrough
User status: Offline
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quote:
Originally posted by 16vKarlos
The police WILL NOT give you the insurance details (who is or is not insured) on the vehicle.
best thing to do is track the owner of the car and meet him and speak to him on a MATES basis and decide whether it will be an insurance jobby (if she was infact insured)
you wont know where to stand until this is done me thinks
karlos
similar thing happened over the weened with gf's car police couldn't be more helpful and even rang the next day with the other partys insurance details for us?
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Mertin
Member
Registered: 12th Oct 05
Location: Scotland
User status: Offline
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Im going to leave it and see if I hear anything back and try and source a new wing for my car if not. Wings got a scratch / dent down beside the mud guard
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Mertin
Member
Registered: 12th Oct 05
Location: Scotland
User status: Offline
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quote:
Originally posted by 16vKarlos
The police WILL NOT give you the insurance details (who is or is not insured) on the vehicle.
best thing to do is track the owner of the car and meet him and speak to him on a MATES basis and decide whether it will be an insurance jobby (if she was infact insured)
you wont know where to stand until this is done me thinks
karlos
They will find out if they are insured or not, and if they aren't then it will be a police matter
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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Reporting it to the Police doesn't have anything to do with the insurance database.
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Mertin
Member
Registered: 12th Oct 05
Location: Scotland
User status: Offline
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quote:
Originally posted by Graham88
Reporting it to the Police doesn't have anything to do with the insurance database.
It does if it turns out the driver is un-insured
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