UK only, car accident not your fault?

Question

on friday of last week, my daughter and i was hit by another car, totally his fault, my car was damaged, and my daughter and i are still suffering with whiplash, now i reported within an hour to my insurance company, the guy who did it still has not 6 days later, i was advised by my insurance to ring his and report it, but they cannot accept that, and would not even look into it, so i text him to do it, but he does not want to lose his no claims, now i have never had to make a claim does this mean if he does nothing i will have to loose my own no claim to get it repaired or pay for it myself, and why does no one from the insurance company give you a striaght answer, have any of you been through this and will it take months to sort out as thats the feeling i am getting,

we have been to the hospital and doctor, i do have legal insurance on my policy, thanks all x

Answer 1

You should under no circumstances have to pay for it, go through your insurance, or lose your no claims bonus.
He has 2 options, go through his insurance or pay you directly to get your car fixed. To me he doesnt seem like a stand up guy.
I would ring the police if it was me, he has to give you his insurance details, its against the law not to.

Answer 2

Report it to the police - It was an injury accident - they may be able to pursue him!

If he does not report it to his insurance you will have to claim it through your insurance. Unfortunately, the law say you have to have insurance but does not do much in circumstances like this if he does not report it!

My wife's friend was in a similar accidentto this last year and the driver would not report it to her insurance - nothing was done and she had to pay for the damage herself.

Make sure you get doctors evidence to back up your injury and then tell him that you are going to pursue it through legal means. Due to the fact that you were injured the police should pay him a visit, that may force his hand to inform his insurance company! But don't count on it!

Answer 3

Are You Insured Fully Comprehensive ? If Not , The onus is on You To to Claim Damages against the other Drivers Insurance [They will Not admit any Liability] [have you or your daughter seeked any proffessional medical treatment?] if not , it may be difficult to prove at a later date ie.[When your both better]. It does seem you may not have the Legal protection cover required or your insurer would have advised and taken the necessary steps in providing legal and Medical facilities for you both. I Suggest you contact your Insurers and ask , If Your not [all is not lost] contact a legal team dealing with , they often quote free legal advice and will send their representative to see you .Good Luck to You Both , Take care & Keep Well

Answer 4

If it was his fault, he must pay. Tell the police what happened. You should have done so anyway if you were injured. If he will not pay up through his insurance then he must agree in writing - have this witnessed by a solicitor if possible - that he will pay all the resulting costs of repairs and injury compensation if there is any. I bet he's not even insured, the horrible man.

Answer 5

Sounds likely the other party might not have been insured, and is still stalling. Yes, get the police involved. They can trace the owner through their records. Mind you, that doesn't immediately help your case. Perhaps contact the Citizens Advice Bureau to enquire about ways to get compensation. A legal approach might get the Insurance company listening!

Answer 6

there are to aspects to your claim , your car and yourselves,your car will be dealt with by your insurance company who in turn will approach his whether he reports it or not.
Regarding your personal injuries if you have not seen a doctor do so ASAP and then you need to decide if you wish to make a personal injury claim against the other driver. If you do then contact your insurers as they may deal with that under your insurance or contact a specialist solicitor not an accident management company for advice.
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Answer 7

when you have a crash strait away at the scene you have to call the police to geta claim for whiplash or at least take his number plate reg down and his insurance co.

as for the damage, i myself have just made a claim but im lucky because my 1yr no claim is with a different company than the one im claiming for so i wont loose it. as for you, you will loose it if they pay out, and if they pay out for the amount of the vehicle or declare it a cat c- they will automatically declare it a write off and will take your motor away.

if i was you it wouldnt be worth it-if the car didnt cost much buy another one for cheap or go scrap yard yourself and get the damage done yourself

Answer 8

Firstly, your insurance company will want everything wrapped up quick. Make damn sure they understand it wasn't your fault, you don't accept responsibility, and you expect them to do everything they can to help you.

Let the guy know that if he doesn't sort it out in 24hrs, you're calling the Police. Tell your insurance company the same. And his.

Whatever you do, keep the pressure on everyone involved to do what you want. Keep leaning on them until it's properly sorted, and make it clear you're not going to go away.

Answer 9

if he dosent report the accident to his insurance theres nothing you can do put pressure on your own insurance company to sort it out you didn't say what policy you have fully comp will pay out at no cost to you third party might not go to your local police tell them what happened may a call from them to the other party might change his way of thinking good luck

Answer 10

Call the Police. You still may have time to report the accident.

He wants to have "no claims" on his insurance... well.. tough luck! Then he shouldn't have been involved in a collision. He needs to take responsibility for what he's done. If he doesn't - then its a police issue.