[doughboy]

Originally Posted by mrmlee

That's annoying! I thought I could claim through her insurance without involving mine. Literally got 3 weeks to go before my renewal.

You can. Contact a claims management firm.

They will pursue the other driver for you as they will trace them from the reg and speak directly to her insurers. This will not involve you or your insurers.

also the police will prosecute her for failing to stop at an accident.

I did this when someone hit my van and drove off. The claims firm will agree the cost with the other insurers privately.

[RajB]

Sorry to hear this. It's never good when epoe can't just own up to their mistakes.

If you intend to go through a management company or straight to her insurance company it will be logged and your insurance company will eventually find out. You do realise too that whether fault/non fault you have to inform your insurance company as they can (and will if they can get away with it) refuse to cover you in the event of a claim. Unless you intend to deal with it privately it will get logged on the central database that you were involved in an accident.

However your premium and renewal will not be effected just from notification but only once it's settled either way. If you're just informing them for now then you'll be ok for this year BUT either way next year it will be on your file.

I'd go though the police to get her done for not stopping at the scene of an accident etc but just get your motor repaired privately. Just looks like a respray job of the bumper potentially.

Good luck with it whichever route you take.

[makkan00]

I don't see a point to involve any insurance company for that sort of damage.
As you will have to declare this for next 3-5 years and paying hiked premium. Lets say £30 / year leads to £150 (minimum). And each year it will remind you of this event.
I am speaking from the experience and I went with independent firm.

Best thing is wait. If you cannot settle it privately, then pay it from your pocket. Karma will deal with the lady!

PS: askmid provides you info whether car is insured or not but does not give you details of insurance companies afaik.

[IanS100]

If you accept that there is too little damage to warrant a repair is that likely to prejudice your claim for hit & run? ie. How can she be charged with leaving the scene of an accident when there is neither damage not injury?

[Kerr]

Originally Posted by Ajerthan

You don't need to tell your insurer.

Contact accident management companies all you need to tell them is you was involved in a hit n run, you were stationary, you got witness and reported it to the Police.

If you want PM me to use the company Ive used in the past.

Just because you've used a third party claims company, it doesn't mean your insurance or future companies won't know or find out about the claim.

What happens if the OP does stay quiet, then it turns out he and the women both are insured by the same company? That's game over right away.

What happens if you have to make another claim and your details have been logged leading to a future claim being rejected? You know legally you are supposed to document any accidents, fault or not?

These accident claims firms end up racking up huge bills for cases, and let's be fair, this is very minor.

The damage to your car in minor, but it's not your place to pay for them or be happy that she damaged your car and behaved in such a manner.

I'd get her details from the DVLA, then approach her directly. Maybe she's had time to reflect and the panic is over, she might be more civil.

That damage could see most polished out, then a smart repair would be good enough for the remaining crack. You aren't talking about a large sum of money that will be likely less than the women's excess.

I'd hope being faced with a bill of £150 or potentially in a deeper situation, she might play ball.

[Ao1]

Probably more like she was not insured and the car won’t be registered to her or anyone associated with her. Sorry for the pessimistic tone, but her chav behaviour and apparent lack of moral fibre seem to point that way.

[UltimateDream]

Originally Posted by Ao1

Probably more like she was not insured and the car won’t be registered to her or anyone associated with her. Sorry for the pessimistic tone, but her chav behaviour and apparent lack of moral fibre seem to point that way.

That was my initial thoughts too.

Thanks for all the input guys, really helpful and I will see if I can get the bumper painted privately at her expense, however I don't have much faith judging by her attitude at the scene of accident.

Solving this privately is probably the best way forward, that is if she will budge!

[Fantastic]

Personally, and knowing from experience. I would just pay for damage to get repaired myself and be done with it.
If you claim through third party insurance (obviously having to provide vrm details etc, thus having a claim filed under that vrm) then went on to renew your insurance in 3 weeks time without notifying them of the incident. you would be lying to your insurers and have left evidence of that with the third party. If (worst case scenario) you then caused a multiple pile up with a few fatalities, potentially costing insurer £million they will try every which way to get out of it, if they find your claim it will void your insurance straight away and you'll be screwed.

If you just pay to get it fixed. No trace of the incident against the vrm, don't tell insurance. Job done.

[essex_lad]

Originally Posted by Ao1

Probably more like she was not insured and the car won’t be registered to her or anyone associated with her. Sorry for the pessimistic tone, but her chav behaviour and apparent lack of moral fibre seem to point that way.

I agree, so many people do it these days.

[Waspo]

Once this is over and settled, even before then maybe, you need to invest in a Dash camera!!!

This would have recorded the said 'Collision' and you could have gone to the local Police station armed with Video and said...Prosecute the Bitch NOW!!!

Or even taken it to a solicitor!!

These are so Cheap now and WORTH EVERY PENNY (IMHO). My one has paid it's cost back already, and if you get into a situation when someone cuts you up and they pull over and come storming towards you ready to blame you for them cutting you up, you just say 'Give me your email address and i'll send you a copy of the Video of you cutting me up, and an additional copy is going to my solicitor', you can also Invite them to watch the playback and just watch them SULK OFF

ITS GREAT!!!

I am going to get one for my rear screen as well!

[AWSAWS]

It's ridiculous! People should be held accountable for their actions.

What's wrong with the world? The innocent person is always getting screwed!

Get a dashcam as well op. Then you always have a witness.

If it's turned on of course.

[Waspo]

Originally Posted by AWSAWS

.........................................
If it's turned on of course.

CLICK HERE

This one records knock in a Car Park even if driver is NOT PRESENT!!

Way to go!!!!

[AWSAWS]

On a mobius you can turn on motion detection but it will come on for literally any change in the image percieved by the camera. A passing car, a walking person etc.

I sometimes leave my camera running when leaving the car in a car park.

The camera is good for about 40 mins with the standard battery or 5 hours with a little phone charging usb stick.

My friend was reversed into by a woman in a car park 2 weeks ago. She stopped and gave her details but I think he's also facing paying the repairs himself.

[dakhu1]

I wouldent involve any insurance or claims management company

You will still have to declare even if liability is her's and she pays out

My insurence went up for a few years even though it was a non fault claim - its patehteic but insurance companies "justify" by saying you are more likely to be involved in an accident - WTF!

My advice, just sort it yourself, suck it up (its unfair I know) and let karma sort her out - hopefully shouldent cost you much

Good luck

[Aragorn30d]

Its basic statistical analysis.

Someone who has been involved in an accident, their fault or otherwise, is more likely to be involved in another accident.

I presume it stems from peoples situational awareness on the road. If you are more aware of whats going on around you, your more likely to spot an incident forming and take evasive action of some form, thus avoiding the incident. I'm sure we've all had some near-miss which wasnt our fault.

Obviously that doesnt really apply to being parked in a car park, but the insurance companies dont really care about that. It all just gets fed into a computer and the output comes out. Claimants are more risky than non-claimants, regardless of fault.

[Wavey 335i]

Insurance do increase premium even if it is not your fault! They charged me an additional £600 because of a hit and run driver that swirved into my lane and hit my rear quarter. Got paid out after 1.5 years but was not worth the hassle. If I could go back I would not have claimed as they are still increasing my premium on my renewal. Apparently I am a risk now? If anything I am more alert of stupid driver like the one I had to face. On my police report for hit and run I got all the details of the driver including address and full name etc etc it took about a month if I remember correct.

[Wavey 335i]

Also do not repair the car yet as you will need to show the damage. If things go ugly wait and when your sure nothing is going to happen then repair it. Good luck.

[singh21]

Originally Posted by Ajerthan

You don't need to tell your insurer.

Contact accident management companies all you need to tell them is you was involved in a hit n run, you were stationary, you got witness and reported it to the Police.

If you want PM me to use the company Ive used in the past.

Do this!

Your insurers don't need to know about it at all

[Ao1]

Took my wife to hospital today (Oxford), came out three hours later to find this. Hit and run. Not caught on CCTV. No witnesses.

What is wrong with people.

[singh21]

Originally Posted by Ao1

Took my wife to hospital today (Oxford), came out three hours later to find this. Hit and run. Not caught on CCTV. No witnesses.

What is wrong with people.

Damn feel sorry for you bro

[UltimateDream]

Originally Posted by Ao1

Took my wife to hospital today (Oxford), came out three hours later to find this. Hit and run. Not caught on CCTV. No witnesses.

What is wrong with people.

OMG! That's far worse than mine, I feel for you buddy, even mine is minor.

These people shouldn't be allowed to do this, damn the system!

My Mrs went to a friends house after just passing her test one night, whilst doing a three point turn, she hit someone's car. We left a note and paid for her repairs at a local garage within a week without questions. We could've left the scene and no one would've known, but we choose to do the right thing, as this is how we expect to be treated.

Not so sure Karma do exist but it better do!

Gutted for you pal. Hope you find who did it!

[Needbmwpartzz]

Originally Posted by makkan00

I don't see a point to involve any insurance company for that sort of damage.
As you will have to declare this for next 3-5 years and paying hiked premium. Lets say £30 / year leads to £150 (minimum). And each year it will remind you of this event.
I am speaking from the experience and I went with independent firm.

Best thing is wait. If you cannot settle it privately, then pay it from your pocket. Karma will deal with the lady!

PS: askmid provides you info whether car is insured or not but does not give you details of insurance companies afaik.

This is wisdom.....not to mention the statistical data that's collected and used to possibly raise insurance rates.