Quizzes & Puzzles11 mins ago
Motor Accident
My car came off worst in a recent accident and we exchanged details, but the other party hasn't reported it to his insurer and mine say they can't proceed until he does. Is this right? My car was parked and I have a witness.
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I don't think they are right. If he doesn't report it to his insurance company, yours can write to his home address and ask him to do so, the claim is against him in the first instance - if it'll affect his NCB, he might be planning to deal with your claim without reporting it. Don't forget that if you have an excess, you'll have to claim that from him direct anyway.
As boxtops has said your insurer is not correct. If you have comprehensive cover then your insurer is liable to pay for the damage to your car (minus the amount of the excess ).
I would write a letter to the tp requesting that he informs his insurer as otherwise you will be proceeding directly against him for your uninsured losses such as the amount of your excess and the hire of a car whilst your car is off the road.
This may bring him to his senses.
I would also inform your insurer of the actions you are taking.
Sadly this sort of thing is getting more and more common every day.
I would write a letter to the tp requesting that he informs his insurer as otherwise you will be proceeding directly against him for your uninsured losses such as the amount of your excess and the hire of a car whilst your car is off the road.
This may bring him to his senses.
I would also inform your insurer of the actions you are taking.
Sadly this sort of thing is getting more and more common every day.
There is nothing to report to the police. No offence has been committed (unless the TP has no insurance which is not known at the moment). The TP stopped and exchanged details; he has no legal obligation to report the incident to his insurers (though he may be obliged to under the terms of his policy). In short, the police have no interest.
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