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Car written off. Need help

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No CAT C or D do not require a report or VIC check any more, they can be put on the road without.

 

5 hours ago, Ju1ian1001 said:

Really! Its actually law not guide lines, if a car get's cat A or cat B, it must not be put back on the road and the V5c sent to DVLA or your insurance company, cat C again can be repaired and returned to the road but since the VIC check was scrapped the DVLA now require an engineers report before re issue of the V5, this must be carried by a qualified MOT tester or by a DVLA vehicle inspector.

Okay, it's the law.


Do me a favour, find out which Law it is, will you? I mean, is it in the Road Traffic Act, or noted elsewhere? ;)

 

Even the highly regarded RAC disagree with you here, and state that the requirement for Cat A & B to be crushed is part of the ABI Salvage Code, (Link).

Only thing I can see that I'm not sure about is have your insurance been advised that the police are investigating the BMW driver?

12 hours ago, Rustynuts said:

Okay, it's the law.


Do me a favour, find out which Law it is, will you? I mean, is it in the Road Traffic Act, or noted elsewhere? ;)

 

Even the highly regarded RAC disagree with you here, and state that the requirement for Cat A & B to be crushed is part of the ABI Salvage Code, (Link).

 

11 hours ago, Awayoffski said:

http://gov.uk/scrapped-and-written-off-vehicles/insurance-writeoffs 

(The DVLA can not 'Fine' anyone, they impose a 'Penalty' and then if not paid pursue payment.)

 

Damaged Repairable Cars - A definitive guide.mhtml

Thanks Awayoffski, it's not in the road traffic act because like the road fund licence, it's civil law. but is written in law, that is why DVLA can and do impose penalty's. 

Civil law? Really....

Well 'Statute Law'.

But as it is who cares apart from those with a vehicle that gets totalled as in a Cat A or B Insurance write off.

Just do not get landed ever with a Ringer that was a Cat A or B.

 

Well OT from the OP's Post / Thread,

but maybe Dan from AF can comment on what is here about Adrian Flux insuring Cat B's.

http://forums.moneysavingexpert.com/showthread.php?t=5572562 

Edited by Awayoffski

Things which will stop a cat A or B are DVLA won't give a VIC so you can't tax or MOT, and insurers wouldn't touch as it'll flag up on MID. 

 

Doesn't stop one being patched up and shipped abroad though. 

I'd be willing to be the police dont take it anywhere, in the past we've reported people for similar and nothing comes of it. The last guy sideswiped one of our vehicles and ****ed off, then told his company his van was hit while parked up. He lost his job, the police told us they thought that was bad enough so didnt pursue him for leaving the scene of an accident. 

 

Roundabouts are iffy and generally end up 50/50 without independent witnesses or dash cam footage. 

 

I'm getting a dash cam when I get a new motor for sure. 

  • Author
11 hours ago, KenONeill said:

Only thing I can see that I'm not sure about is have your insurance been advised that the police are investigating the BMW driver?

Only by myself as far as I'm aware. Not sure if police have contacted my insurance

  • Author
1 hour ago, matt1chelski said:

I'd be willing to be the police dont take it anywhere, in the past we've reported people for similar and nothing comes of it. The last guy sideswiped one of our vehicles and ****ed off, then told his company his van was hit while parked up. He lost his job, the police told us they thought that was bad enough so didnt pursue him for leaving the scene of an accident. 

 

Roundabouts are iffy and generally end up 50/50 without independent witnesses or dash cam footage. 

 

I'm getting a dash cam when I get a new motor for sure. 

Yeah will be the first purchase I make after the car itself.

11 hours ago, Mikek3111 said:

Only by myself as far as I'm aware. Not sure if police have contacted my insurance

OK. Do you have a "crime number"? If so, pass that to your insurance; otherwise get it from the desk sergeant at your local station and then pass it on. It strengthens your position that you were "not at fault" that the other guy has been investigated and you haven't regardless of outcome(s) 

I'm a little confused. You say that he sped off, but then that he has contacted your Insurers claiming that you were to blame.

So, how did he know who you were, and who your Insurers were.

Did you exchange details at the time of the accident.

If not, how did he obtain this information.

I did not see written what you do.

The BMW stopped, the OP has a picture of the rear of the car, registration number.

 

Could the OP's Insurer not have contacted the insurer of the registered keeper of a vehicle that the Reg Number was given for.

 

I have been called about a claim against me where there was a mistake over the reg number given, and within hours of the incident having supposedly happened.

Good that it was quick after the incident because simple for giving evidence that my vehicle was no place near the incident and impossible for it to be, 

and wrong car type and colour.

Edited by Awayoffski

  • Author
2 hours ago, KenONeill said:

OK. Do you have a "crime number"? If so, pass that to your insurance; otherwise get it from the desk sergeant at your local station and then pass it on. It strengthens your position that you were "not at fault" that the other guy has been investigated and you haven't regardless of outcome(s) 

I asked for a crime number and was not given one. I was instead given a leaflet for Stevenage collisions dept with their address and phone number on it and told to pass that to my insurer as this is where the collision report will be sent and dealt with?

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1 hour ago, BJM said:

I'm a little confused. You say that he sped off, but then that he has contacted your Insurers claiming that you were to blame.

So, how did he know who you were, and who your Insurers were.

Did you exchange details at the time of the accident.

If not, how did he obtain this information.

Because my insurer contacted his as part of a non fault claim.

 

no details were exchanged at the scene, the only reason he stopped was to say he's not stopping.  Only reason I got his info was because my passenger was switched on at the time and took a photo of the rear of his car

Edited by Mikek3111

5 minutes ago, Mikek3111 said:

I asked for a crime number and was not given one. I was instead given a leaflet for Stevenage collisions dept with their address and phone number on it and told to pass that to my insurer as this is where the collision report will be sent and dealt with?

What happened to the Police not being allowed to recommend Brand X or Company Y!?

  • Author
Just now, KenONeill said:

What happened to the Police not being allowed to recommend Brand X or Company Y!?

From what I can see Stevenage collisions dept is part of Stevenage police station. Could possibly be because at time of incident when I called 112 I was told to take my paperwork to my local police station which is Cambridgeshire but accident happened in Hertfordshire? Maybe just passed to local police to investigate? Third party could also be based in Hertfordshire too? Not sure. Only details I got was when my insurance company ran a check on his plate and supplied me with his Admiral insurance policy number.

Cambs and Herts police share a number of duties in a soft merger. 

 

@KenONeill. The collision department isn't a company, but a police department. 

@Mikek3111 @gadgetman - You'll give me that it doesn't come over as being a department of a (or more than one) constabularies from just the name?

  • 2 weeks later...
  • Author

Came to an agreement with my insurance company over a price. Awaiting cheque at present. But they are still arguing liability. 

 

Had a physio appointment yesterday and luckily not much worse than a pulled trapezius muscle.

 

not been contacted any further by Police yet

Edited by Mikek3111

It's not my place to tell you what's what etc, but I'd make 100% certain that your insurer acknowledges ( in writing ) that although, through no fault of your own, your circumstances dictate you accept the " agreed " settlement payout, you absolutely refuse to accept any blame at all for the accident, you were in no way a fault and are adamant that your NCB and future premiums should never reflect that you had to make a claim, if the insurance companies legal team arn't bothered to fight your case that's not your issue neither should you be financially penalised at any future date

  • Author
10 minutes ago, davidwhite said:

It's not my place to tell you what's what etc, but I'd make 100% certain that your insurer acknowledges ( in writing ) that although, through no fault of your own, your circumstances dictate you accept the " agreed " settlement payout, you absolutely refuse to accept any blame at all for the accident, you were in no way a fault and are adamant that your NCB and future premiums should never reflect that you had to make a claim, if the insurance companies legal team arn't bothered to fight your case that's not your issue neither should you be financially penalised at any future date

Good idea. They have consistently stated that my claim is a non fault claim but I don't have anything in writing to state that. My NCB is protected anyway but it's just stating a non fault claim at every renewal for the next 5 years that could do the damage

34 minutes ago, Mikek3111 said:

Good idea. They have consistently stated that my claim is a non fault claim but I don't have anything in writing to state that. My NCB is protected anyway but it's just stating a non fault claim at every renewal for the next 5 years that could do the damage

 

My point entirely, the fact is you WILL have made a claim and monies will have been paid to you, insist that you have in writing their word that you will not be penalised for the next 5 years, in the event that they don't recover your payout ( including hire car fees etc ) from the other parties insurance, unfortunately this may tie you in to your current insurer because I believe most insurance companies will argue you have made a claim, for the next 5 years 

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