Hi all,

Great day i'm having so far, on my way into work and some monkey just pulled out of a junction straight into me! There's two lanes, outside lane (closest to the pavement) full of traffic and the inside lane completely clear. I'm going along the inside lane about 15mph ish and this guy gets flashed to pull out by a car to my left and he pays no attention to the other lane that i'm in and just pulls straight out right into my front wing

Not a huge amount of damage, and still drivable but grrrrr - very annoying!

Anyways, i'm not sure if this guy was lying about his insurance but he said he wants to pay for it outright and skip the insurance. Now i'm happy to do this, but i rely on my car for my job (i work ~30miles away from home and have to drive there) so really can't afford to not have a car whilst its being repaired. Pleasingly the only real body work damage before the accident was on that wing, so at least something good will come from it!

So - do i inform my insurance company, and let them deal with it (as i pay a reasonable amount for it, and an extra premium for a hire car for the whole duration) - or do i go get some quotes and give the guy a ring. It was clearly his fault, i'm just concerned that he might not have had insurance. He claimed that he has plenty of no claims he doesn't want to lose, he's insured with Saga and still paying over £1000 for a 51 plate Vauxhall sri estate. It just doesn't really sound realistic to me.

Little help please!

First notify your insurance Co that you have been involved in a non fault accident and that the person has accepted liability and wishes to pay for the repairs themself. This covers you if the other party changes their mind, as often happens when they get an estimate for the work!

Second, get three quotes from the best body shops you can find (ones which also supply a courtesy car). Get the person who hit you to pay up front for the repairs so the work can be done at your convenience.

and don't forget to get the other persons full details!

and don't forget to get the other persons full details!

I got name, insurance company, car reg and contact telephone number. Was a little shaken/annoyed at the time so didn't really think of much else. Did get him to ring me from his phone so know i've at least got that number.

First notify your insurance Co that you have been involved in a non fault accident and that the person has accepted liability and wishes to pay for the repairs themself. This covers you if the other party changes their mind, as often happens when they get an estimate for the work!

Second, get three quotes from the best body shops you can find (ones which also supply a courtesy car). Get the person who hit you to pay up front for the repairs so the work can be done at your convenience.

Do exactly that and you'll be as fine as you can be, and take lots of pictures just in case.

Edited 19 April, 201115 yr by TomStarkey

Hi all,

Great day i'm having so far, on my way into work and some monkey just pulled out of a junction straight into me! There's two lanes, outside lane (closest to the pavement) full of traffic and the inside lane completely clear. I'm going along the inside lane about 15mph ish and this guy gets flashed to pull out by a car to my left and he pays no attention to the other lane that i'm in and just pulls straight out right into my front wing

Not a huge amount of damage, and still drivable but grrrrr - very annoying!

Anyways, i'm not sure if this guy was lying about his insurance but he said he wants to pay for it outright and skip the insurance. Now i'm happy to do this, but i rely on my car for my job (i work ~30miles away from home and have to drive there) so really can't afford to not have a car whilst its being repaired. Pleasingly the only real body work damage before the accident was on that wing, so at least something good will come from it!

So - do i inform my insurance company, and let them deal with it (as i pay a reasonable amount for it, and an extra premium for a hire car for the whole duration) - or do i go get some quotes and give the guy a ring. It was clearly his fault, i'm just concerned that he might not have had insurance. He claimed that he has plenty of no claims he doesn't want to lose, he's insured with Saga and still paying over £1000 for a 51 plate Vauxhall sri estate. It just doesn't really sound realistic to me.

Little help please!

Sorry about your car. My Octy vRS got rear ended in stationary traffic last year, I almost cried.......

I think this bloke is pulling a fast one, I'd inform your insurance company ASAP and cover your own ar5e. I would if it was me, regardless of the fact that this bloke may, or may not be telling the truth. For starters insurance isn't cheap and this is exactly what you pay your premiums for, and as you said you pay more for a hire car, which you will probably rely on to commute to work whilst your car is getting sorted.

Also, if this bloke has accrued X years no claims bonus, then you'd think he'd have made sure he protected them. Me and my missus do. It just doesn't sound legitimate to me.

Good luck.

First notify your insurance Co that you have been involved in a non fault accident and that the person has accepted liability and wishes to pay for the repairs themself. This covers you if the other party changes their mind, as often happens when they get an estimate for the work!

Second, get three quotes from the best body shops you can find (ones which also supply a courtesy car). Get the person who hit you to pay up front for the repairs so the work can be done at your convenience.

That's exactly how its ment to be done.

I rang my insurance company (Santander) and they said that if i report it to them, it will start as a claim that i will have to declare in the future (thats very annoying as its clearly the other guys fault!) - They said i've got 90days to report it and claim.

Does anyone have any recomendations of repair shops in the Sheffield and South Yorkshire area?

Not impossible to believe that they want to pay themselves...... Check their reg here: ASKMID and confirm it's your own vehicle...... That'll tell you if it's insured or not.

Don't report to your insurance company unless it turns into a real nightmare. Then you have to get them involved. The only real issue here is being without transport whilst your car is fixed.

Not impossible to believe that they want to pay themselves...... Check their reg here: ASKMID and confirm it's your own vehicle...... That'll tell you if it's insured or not.

Don't report to your insurance company unless it turns into a real nightmare. Then you have to get them involved. The only real issue here is being without transport whilst your car is fixed.

Thanks for the link, thats not a good thing....

******* (damn i want to put down the reg here!!) is NOT on the Motor Insurance Database today

Damn it... which way to move forwards then - i'll be honest, i pay insurance - why the hell shouldn't he! I really want to just claim through my insurance (i've only 1yrs no-claims, and it should show as a non-fault claim and being fully comp, isn't that what this is for?) and shop him to the police. Is there a chance that site could be wrong?

:'(

...... Check their reg here: ASKMID and confirm it's your own vehicle...... That'll tell you if it's insured or not.

Top advice!!

Edit to late, Damm thats harsh mate, id be on the phone to him straight away if it was me

Top advice!!

Edit to late, Damm thats harsh mate, id be on the phone to him straight away if it was me

Am i even legally supposed to be doing that, or by accepting the fact that he's uninsured and allowing him to pay am i doing something wrong/iffy?

Should i contact the police, or my insurance company, or him? I can't see him saying anything other than "I am insured, but just don't want to go through it" - Really makes me angry that people can get away with not paying insurance for things like this. If my car just costs £500-600 to be repaired, then he's still made a huge saving on a years insurance if he doesn't crash into anyone else....

Plus, i think i have a crazy excess (possibly £500 ish) :S

Not really sure where you stand on the ASKMid results, but if you do go to the police, might be worth doing a paid for check for, seeings as it's only meant to be on your car unless you pay. Just thinking he could (although I'd hope not) use it against you somehow?

Also, sorry to hear about the car, but at least you're ok anyway. Good luck!

Edited 19 April, 201115 yr by TriggerFish

whatever you decide to do DO NOT admit to checking his insurance details via Askmid !!

Surely based on this (found under the 'one of search' option) should mean he's ok?

Access to MID via this facility is provided to enable individuals to conduct ad-hoc searches in the event of an accident. It is not designed for continued use by individual parties. If you do require access to this information on a more regular basis, we recommend that you subscribe to an askMID account, else you may find your access denied. Please submit your request for an account via the askMID homepage.

If there has been a motor accident and you need to check the other vehicle is insured, for a nominal charge, search the Motor Insurance Database (MID) to help determine if the other vehicle is insured.

whatever you decide to do DO NOT admit to checking his insurance details via Askmid !!

I've just spoken to my underwriters (Equity red star) and they have checked on their databases and confirmed to me that the car isn't insured, so i'll not need to.

Also i have a horrendous excess (£750) so i can't put a claim through due to the excess being more than the actual repair cost, also if i did put a claim through it would show up as a fault claim against me.....

At least i've got legal cover so can try and take the guy to court to get back the costs.

Have you tried phoning the guilty party to ask him about it? He might just pay up for the repair? When (if) you get your car repaired and he's paid, you can shop him then.

Good luck

Surely based on this (found under the 'one of search' option) should mean he's ok?

I meant to say do not admit to checking his details via the free search which clearly states that the facility is for checking your own insurance:

"I am entitled to the insurance information about the vehicle detailed above for one or more of the following reasons: It is either registered/ owned/ insured by me or my employer; I am permitted to drive it; I am an Insurance Broker and acting on behalf of my client.

I understand it is an offence to wrongfully obtain information of this nature without any of the above reasonable causes. If I fail to provide true reasons for acquiring this information I may be committing an offence of unlawfully obtaining data contrary to section 55 of the Data protection Act 1998."

Either way the bloke is still a b%&^£"d for not having insurance !!!

yeah if your young and only have 1yrs ncd, don't claim as you will pay more in premiums next year than the cost of the repair if you do....

your very lucky indeed that your insurance company hasn't recorded it.

some/most insurance companies will log any call you make to claims regarding an accident you have been in on the insurance database as a non-fault accident and if your under 25yrs i would expect you to see an increase in premiums even with a non-fault claims.

I know what i have said above doesn't make much sense and is very unfair, but having worked for an insurance broker and in a claims department for three different car insurance companies please take care with your insurance company...

yeah if your young and only have 1yrs ncd, don't claim as you will pay more in premiums next year than the cost of the repair if you do....

your very lucky indeed that your insurance company hasn't recorded it.

some/most insurance companies will log any call you make to claims regarding an accident you have been in on the insurance database as a non-fault accident and if your under 25yrs i would expect you to see an increase in premiums even with a non-fault claims.

I know what i have said above doesn't make much sense and is very unfair, but having worked for an insurance broker and in a claims department for three different car insurance companies please take care with your insurance company...

I wouldn't quite say i'm young, 30 in August - in my 3rd year of driving but switched insurance brokers halfway through my first year due to financial issues so only ended up with 1yrs no claims. Hoping my insurance was going to drop next year after the big 3-0. We'll see.

The broker and underwriter both advised me to contact the police, and asked me if i wanted it recorded - to which i said no. The woman on the phone stated insurance has gone up substancially in the past few years, and i understand thats due in part to the amount of uninsured drivers on the road - why if that is the case do i have no protection against an uninsured driver? Admittedly my excess is stupidly high, but it turns out the only benefit i actually get from having insurance is if i write my car off, which may never happen (touch wood!).

So either pay £900+ a year, or run the risk of getting 6+ points on a licence IF you get caught.

Have you thought of contacting the Motor Insurers Bureau - http://www.mib.org.uk/Submit+a+Claim/en/Default.htm

check out the Brief Guide which may help - if your excess is more than the repair cost you essentially do not have Comprehensive cover. Would mean paying for the repairs yourself if you need it done quickly , but you may be stuck doing this anyway.

I'd try to get this guy to pay for repairs from a reputable garage (which provides courtesy cars) or give you the value in cash.

Hope it all works out - W'nk'rs like that keep the cost up for everyone else.

good luck

You have his number, Should have got his address but youl know for again. He said he would pay up, yes hes not insured but their is no point geting into that now if you want your car paid for.. get a few quotes, charge him the average and go to which ever one you choose because if you go to dearest he might just say im only payin the lowest price, average is fair..

Also i wouldnt get a hire car, try get a lend from a friend or take a bus, adding £300 to the bill is going to make seeing any money much less likely.. Be fair about it and hope he pays up and you get the car sorted..

Ask him when he can have the money for, assuming he works and wants to wait for payday, if he doesnt stick to this deadline ring him and let him know he has a week to get you the money or your going to the police. Tell him you have pictures of him and his car, and hopefuly thatl make him caugh up..

Yes he doesnt have insurance and as much as thats annoying as i have been hit by a uninsured driver before, but your main aim should be to get your money, and being fair is going to increase the chances he will pay up significantly..

You have his number, Should have got his address but youl know for again. He said he would pay up, yes hes not insured but their is no point geting into that now if you want your car paid for.. get a few quotes, charge him the average and go to which ever one you choose because if you go to dearest he might just say im only payin the lowest price, average is fair.. Also i wouldnt get a hire car, try get a lend from a friend or take a bus, adding £300 to the bill is going to make seeing any money much less likely.. Be fair about it and hope he pays up and you get the car sorted..Ask him when he can have the money for, assuming he works and wants to wait for payday, if he doesnt stick to this deadline ring him and let him know he has a week to get you the money or your going to the police. Tell him you have pictures of him and his car, and hopefuly thatl make him caugh up..Yes he doesnt have insurance and as much as thats annoying as i have been hit by a uninsured driver before, but your main aim should be to get your money, and being fair is going to increase the chances he will pay up significantly..

x2

try contacting the fella about the costs of repair before going the legal way, the guy may not be insured but genuine enough about paying to fix(not sticking up for the fella as insurance is compulsory)...saves you the hassle of insurance cr*p, which is expensive enough without claims, you get your car fixed

Edited 22 April, 201115 yr by ianpvrs

If you need a quote on bodywork in Sheffield I had alot of work done over in Ecclesfield just past the police station at a small garage.

They did paintwork, sure they still do and mine is alot better than the paintwork a crappy dealer did on the other side (yes im just that unlucky with idiots!)

Forgot to add, they also have cars (think they still have a 1.4 Ibiza too! hehe!)

Pretty good on quotes, and good guys. They also have some very good contacts when it comes to 'claims' so might be worth trying to go via that way.

Edited 23 April, 201115 yr by T. Spark