can i claim if it's my fault?

Question

my wife had a car accident where was her fault and no damage to the other driver's car. we haven't exchanged insurance details. I have got advice from yahoo and insurance company to exchange insurance details to each other by law.

I called the guy to ask for his details cos i wanna do so. But the guy refused to give me and all he want is to protect his insurance.

do i have right to ask for insurance details from the other driver even though it's my fault? can i claim?

ps.
it happened a week ago and we didn't call the police cos everything was fine to his car at that time. now the guy call me that his car has damage and wants to claim.

Answer 1

I'll answer this for you in the most relevant parts.
Under Section 143 of the 1988 Road Traffic Act it is an offence not to disclose details of your policy when asked to do so when legally obliged. If you are both involved in an incident you are both obliged by law to exchange each others insurance details at the scene. The law places no other obligations on you such as to make a admittance of liability etc, which is commonly thought.

If you want to get his details speak to your own insurer, give the registration of the other vehicle along with the date of the incident and ask your own insurer to do a M.I.D. check on it.
The MID is a motor insurers database that will list the vast majority of all insured vehicles in the UK including those on fleet policies.
Generally people that get all overly defensive about insurance constantly are not insured at all.


You are entitled to claim against your own insurance providing that the person that was driving is named on your own certificate and you have fully comprehensive cover. If the driver was driving on there own certificate "Driving other vehicles" entitlement this means the damage to your own vehicle would not be covered just to the other persons vehicle.

Personally I would say that your better off relating this to your own insurer, you'd be amazed how many uninsured people back down from making a claim when they get busted for not being insured. ;)

Answer 2

It's the right thing to do to exchange information, but as far as getting his insurance info, there's really no point. He was not at fault, and he's probably concerned that your wife will change her story and try to make a claim with his insurance. Turn this over to your company and if they need to know his insurance info for some reason they will follow up with him about that. Let them see his car and do an appraisal so they can be sure the damage he's claiming is related to your accident. It will be ok, that's what you pay your premium for.

Answer 3

You can't claim off the other person's insurance because you are at fault but they have the right to claim from your insurance. If you decide to claim for your own damage from your own insurance then remember you will have to pay the excess on your policy, you may lose your no claims bonus (unless it is protected ) and when you make a claim your premium will rise next renewal.If your damage isn't too severe then you would be advised not to make a claim.

Answer 4

Well, you can ASK, but he doesn't have to answer. If you all agree your wife is at fault, then I don't see the point in having the other guy's information.

The only company you can claim against, if everyone agrees she's at fault, is your own.

Answer 5

If it was considered your fault, your insurance will pay for damages to your vehicle and the other party's vehicle, unless you have some way of proving you didn't cause the damage to the other person's vehicle (which is unlikely since you didn't get a police report).

You can file a claim to have your vehicle fixed, but it will be filed on your insurance (not theirs) and your deductibles will apply. The other driver should give their information, but they don't necessarily have to. Get your agent involved if the other party won't cooperate.

Contact your agent for further assistance.

Answer 6

If it's your fault, leave that person alone. If it's your fault, you should be lucky that he/she's not trying to claim on your insurance. Since you were at fault, you have to claim on your own insurance.

Answer 7

Hey, if he is willing to forget about the accident, let it go. Sometimes another driver might have something he wants hidden and expects nothing as compensation. You are looking for trouble where no trouble appears to exist. If you feel the need to drive the bus over yourself, just report the accident to your insurance company. Why claim it was her fault though? At any rate, reporting it will cover you completely. It's that simple.

Answer 8

of coure you can claim - on your own insurance, as its your fault. if the other guy isnt interested, dont worry. You should really exchange details, but if he is not at fault, and doesnt want to, theres no problem with it.

What I would suggest you do, is pop into a police station and give them your car details and details of the accident, just so they have it on record. Just in case the guy tries to make a claim against you in the future. He may try and say that you left the scene of the accident without stopping or something.

People think theres no damage, dont bother to exchange details then a week or so later realise there is a bump or scratch they want repaired, obviously dont want to pay for it themselves, so they give the police your details and claim you didnt stop at the accident.

Ive known it happen. I worked in insurance claims for 15 years.
Just do it to cover your own backside.

xx

Answer 9

Yes you are well within your rights to ask for his details. If you have asked and he doesn't want to give them to you it may be that he isn't actually insured himself. If you are fully comprehensive your car will be dealt with. Your best bet is to contact your insurance company with all the details you have and they will be able to do the rest and find out his insurance details and settle your claim.

Answer 10

seems such as you have whiplash. i could touch a no win no fee solicitor asap. for the reason which you will win your declare their expenses would be paid by utilising the 0.33 social gathering insurer so it quite is effectively unfastened suggestion. you opt for as plenty information as a threat so ask your solicitor to determine out any leads you're able to offer mutually with no count in case you have a suspicion a CCTV digital camera must be masking the roundabout or in case you have witnesses information. Take photographs of your automobile harm asap in the past it quite is fixed. this could help teach the fee and direction of the automobiles at ingredient of effect. E.g. in case you have been going rapid you need to have an prolonged stripe of scratch marks down the automobile and if sluggish then in basic terms a huge dent in one place. additionally be conscious if the different driving force gave fake information or become uninsured there are quite short cut-off dates to record to the police or lose your top to harm repayment. for the reason which you have been injured (although quite and although long after the accident you confirmed indications of harm) it quite is a call for to record the collision to the police. in simple terms ask for an incident form and verify you have been given ultimate assurance information by utilising the rude driving force. Insurers ought to take a view if there isn't any convincing information in basic terms one sides be conscious against yet another and could e.g. agree the two ingredient become 50% in charge as a sort of compromise.