Advice required for UK vehicle insurance (car incident)?
My wife caught the side of a car while parking in a retail vehicle park. The damage is minimal but the 3rd party is getting snotty. The 3rd shindig previously agreed to sort it privately. She said she'd get some quotes and be in touch. Curiously she also required the insurance details even though we'd agreed to sort it privately. Then she said the following day that as she'd not heard from us she be contacting the police. Now I think the police will say it's a private incident and that we're not breaking any regulation as it's not an RTA and it's not on the public highway. My stance now is that she contact her insurers and we'll contact ours but I'm not prepared to give her our insurance details very soon because I don't trust her. She also has other damage that's not cause by us that I think she'll say we cause. I think the police bit is a load of bull and they'll communicate her to just claim on her policy - am I correct?
A biddable case, if ever I saw one, for keeping a disposable camera in the vehicle - or even use your mobile to take pictures at the scene at the time. Inform your insurers - and let them sort it - its what you wage them for.
This happened to me the woman changed her mind the subsequent day & I had to move about through the insurance
Cost me my no claims bonus for a very small bump
Sometimes this happens so they can obtain a kick back from the garage or draw from extra work done but sometimes its just because they get worried that they will lose out if they don't move about through the proper channels
Best to leave it to the insurance company very soon
Also if she's got your Reg. number the police will give her your dub & address & could demand to see your documents
"> There were no injuries, so the police will not be interested.
A retail meat car park counts as a public highway for the purposes of the Road traffic Act 1988.
Give her your insurer details and let the insurers matter with it.
Doctor Watson is right - although it's a carpark, it's still a reportable collision, However, as in that were no injuries, you are under no responsibility to give insurance details. The Police shouldn't get involved - this be sorted on the day between your wife and other party and is as such very soon a civil matter. To proceed any further without your insurance details,they'll inevitability to go to the small claims court.However,if you do go through the insurances,your company won't be too impressed that you haven't informed them already, a court obligation when you've had a collision whether you claim or not.
I am in U.S. but curious. Was a third celebration a witness to the accident? Here we are supposed to file a police report of any quirk to get the facts on record and required to grant insurance information on the spot. This happens frequently that if you don't exchange insurance info. and the other party agrees to consent to you pay for it without reporting it, they other claim worse damage later on. A police report would come surrounded by handy to verify the damages. The insurance adjuster or the body shop can tell which damages were cause recently by the type of accident.
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A biddable case, if ever I saw one, for keeping a disposable camera in the vehicle - or even use your mobile to take pictures at the scene at the time. Inform your insurers - and let them sort it - its what you wage them for.
This happened to me the woman changed her mind the subsequent day & I had to move about through the insurance
Cost me my no claims bonus for a very small bump
Sometimes this happens so they can obtain a kick back from the garage or draw from extra work done but sometimes its just because they get worried that they will lose out if they don't move about through the proper channels
Best to leave it to the insurance company very soon
Also if she's got your Reg. number the police will give her your dub & address & could demand to see your documents
"> There were no injuries, so the police will not be interested.
A retail meat car park counts as a public highway for the purposes of the Road traffic Act 1988.
Give her your insurer details and let the insurers matter with it.
Doctor Watson is right - although it's a carpark, it's still a reportable collision, However, as in that were no injuries, you are under no responsibility to give insurance details. The Police shouldn't get involved - this be sorted on the day between your wife and other party and is as such very soon a civil matter. To proceed any further without your insurance details,they'll inevitability to go to the small claims court.However,if you do go through the insurances,your company won't be too impressed that you haven't informed them already, a court obligation when you've had a collision whether you claim or not.
I am in U.S. but curious. Was a third celebration a witness to the accident? Here we are supposed to file a police report of any quirk to get the facts on record and required to grant insurance information on the spot. This happens frequently that if you don't exchange insurance info. and the other party agrees to consent to you pay for it without reporting it, they other claim worse damage later on. A police report would come surrounded by handy to verify the damages. The insurance adjuster or the body shop can tell which damages were cause recently by the type of accident.
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