Rear end shunt
Discussion
I had a car run into the back of my car today , I got out and said to him he’d hit the back of my car , Prove it , he then reversed back & drove off , reg no taken & reported to the insurance co / police .
The insurance company said he’d get a angry letter & his renewal premium would go up , accident was deemed not my fault , but , I’ve a feeling as I’ve no proof he did hit my car( no witnesses) , this is going to end up 50/50 .
Any one have experience of a accident like this , what was the result , ins etc , thanks
The insurance company said he’d get a angry letter & his renewal premium would go up , accident was deemed not my fault , but , I’ve a feeling as I’ve no proof he did hit my car( no witnesses) , this is going to end up 50/50 .
Any one have experience of a accident like this , what was the result , ins etc , thanks
Not good I'm afraid. I had someone drive into my car, parked on my drive, hard enough to push it a few feet. I had independent witnesses and he was uninsured. Insurer didn't bother chasing him hard enough, police didn't bother and as a 23 year old with a lot on my plate at the time I was too green to do anything about it.
Dash cam. Get one for the next time.
Dash cam. Get one for the next time.
You mention that you reported it to the police. Are they following up on "leaving the scene of an accident"...
Would be quite easy to check the other car for damage.
I would have thought that pretty much all leaving the scene scenarios are one word against another if there are no witnesses, but the police will have a process in place to investigate.
Would be quite easy to check the other car for damage.
I would have thought that pretty much all leaving the scene scenarios are one word against another if there are no witnesses, but the police will have a process in place to investigate.
GasEngineer said:
You mention that you reported it to the police. Are they following up on "leaving the scene of an accident"...
Would be quite easy to check the other car for damage.
I would have thought that pretty much all leaving the scene scenarios are one word against another if there are no witnesses, but the police will have a process in place to investigate.
I guess so , there is a question on form are you prepared to goto court , they will know your name , we’ve given them all the details of what’s happened , the insurance rang Saturday evening & said a marker had been put on the insurance data - base & it was classed as a drive off , , i was thinking as you , how do you prove it , if someone just drives off , refuses to give details , but they , insurance must have procedures in place or everyone would be doing it , or the non decent amongst us Would be quite easy to check the other car for damage.
I would have thought that pretty much all leaving the scene scenarios are one word against another if there are no witnesses, but the police will have a process in place to investigate.
We will have to see how it all pans out , at the moment it’s not classed as my fault , so not costing anything
It’s all a bit baffling as he’s insured, so why not just give details , maybe he was hiding something , drink / drugs as sped off , or he’d done it before & got away with it .
But I’ve done all I can do , report to police /nsurance &
Wait & see what happens
Gas1883 said:
It’s all a bit baffling as he’s insured
I wonder if he'll be claiming on his insurance? That would match up with your claim, and insurance companies talk to each other.I also had a thought that in the case of a rear end shunt the car that does the ramming is usually regarded as guilty, as people generally don't generally go round backwards at high speed. It points very much to driving without due care, using a phone etc.
Simpo Two said:
I wonder if he'll be claiming on his insurance? That would match up with your claim, and insurance companies talk to each other.
I also had a thought that in the case of a rear end shunt the car that does the ramming is usually regarded as guilty, as people generally don't generally go round backwards at high speed. It points very much to driving without due care, using a phone etc.
Yes that what we ticked on police form , driving without due care & attention , and I think it was failing to provide details I also had a thought that in the case of a rear end shunt the car that does the ramming is usually regarded as guilty, as people generally don't generally go round backwards at high speed. It points very much to driving without due care, using a phone etc.
He didn’t come over to me as putting in a claim , but I guess his ins will be in contact with him at some point so unless he’s going to go down the route I don’t know anything about accident , wasn’t there he will have to admit to not reporting accident / providing details
Yes our ins are saying it’s not our fault , but what happens long term we will have to wait & see .
Had repairers on phone , car is being assessed Friday , no mention of paying excess so it seems as our ins said it’s not being deemed our fault , though if he claims he wasn’t there , never had a accident when his ins contact him I’m not sure what will happen then , first time I’ve ever had this , just exchange details & let ins deal with it normally
Had repairers on phone , car is being assessed Friday , no mention of paying excess so it seems as our ins said it’s not being deemed our fault , though if he claims he wasn’t there , never had a accident when his ins contact him I’m not sure what will happen then , first time I’ve ever had this , just exchange details & let ins deal with it normally
Gas1883 said:
Had repairers on phone , car is being assessed Friday , no mention of paying excess so it seems as our ins said it’s not being deemed our fault , though if he claims he wasn’t there , never had a accident when his ins contact him I’m not sure what will happen then , first time I’ve ever had this , just exchange details & let ins deal with it normally
The excess, in my experience, is paid when the car is collected and is basically the shortfall of the repair cost that the insurance company haven't paid. Worth double checking with the insurers if fault has been apportioned yet.Chris
If you haven't already done so I'd suggest returning to the scene and walking through to see if you can spot any cameras anywhere, even slightly before or after the incident (i.e. to show that the third party vehicle was directly behind you).
The data protection act does contain an exemption to permit disclosure of footage in connection with legal proceedings so although a lot of controllers default setting is "no - because data protection" they can in fact justify disclosure in some scenarios. Always worth asking the question and being a bit pushy.
Also make sure you and any passengers write out a full and detailed account of everything that happened while it's still fresh in your mind. Include a detailed description of the driver. Email a copy to yourself so there's a metadata trail (i.e. timestamp / properties etc). If it goes to court you might be several months for a trial date.
If you can find out where the guy lives (ask the police or your insurer) go round and take a photo of his car, I appreciate you probably don't have this info yet but you really do need to turn detective and think outside the box.
If you took photos at the scene, use a freeware program called Opanda IExif to see whether your GPS location data was turned on.
Unfortunately the police and your insurer will do the bare minimum on this so if you want a proper resolution you're going to have to do the legwork yourself to gather sufficient evidence to prove that on the balance of probabilities (i.e. what is more likely than not) he was there.
The data protection act does contain an exemption to permit disclosure of footage in connection with legal proceedings so although a lot of controllers default setting is "no - because data protection" they can in fact justify disclosure in some scenarios. Always worth asking the question and being a bit pushy.
Also make sure you and any passengers write out a full and detailed account of everything that happened while it's still fresh in your mind. Include a detailed description of the driver. Email a copy to yourself so there's a metadata trail (i.e. timestamp / properties etc). If it goes to court you might be several months for a trial date.
If you can find out where the guy lives (ask the police or your insurer) go round and take a photo of his car, I appreciate you probably don't have this info yet but you really do need to turn detective and think outside the box.
If you took photos at the scene, use a freeware program called Opanda IExif to see whether your GPS location data was turned on.
Unfortunately the police and your insurer will do the bare minimum on this so if you want a proper resolution you're going to have to do the legwork yourself to gather sufficient evidence to prove that on the balance of probabilities (i.e. what is more likely than not) he was there.
ScoobyChris said:
Gas1883 said:
Had repairers on phone , car is being assessed Friday , no mention of paying excess so it seems as our ins said it’s not being deemed our fault , though if he claims he wasn’t there , never had a accident when his ins contact him I’m not sure what will happen then , first time I’ve ever had this , just exchange details & let ins deal with it normally
The excess, in my experience, is paid when the car is collected and is basically the shortfall of the repair cost that the insurance company haven't paid. Worth double checking with the insurers if fault has been apportioned yet.Chris
MBVitoria said:
If you haven't already done so I'd suggest returning to the scene and walking through to see if you can spot any cameras anywhere, even slightly before or after the incident (i.e. to show that the third party vehicle was directly behind you).
The data protection act does contain an exemption to permit disclosure of footage in connection with legal proceedings so although a lot of controllers default setting is "no - because data protection" they can in fact justify disclosure in some scenarios. Always worth asking the question and being a bit pushy.
Also make sure you and any passengers write out a full and detailed account of everything that happened while it's still fresh in your mind. Include a detailed description of the driver. Email a copy to yourself so there's a metadata trail (i.e. timestamp / properties etc). If it goes to court you might be several months for a trial date.
If you can find out where the guy lives (ask the police or your insurer) go round and take a photo of his car, I appreciate you probably don't have this info yet but you really do need to turn detective and think outside the box.
If you took photos at the scene, use a freeware program called Opanda IExif to see whether your GPS location data was turned on.
Unfortunately the police and your insurer will do the bare minimum on this so if you want a proper resolution you're going to have to do the legwork yourself to gather sufficient evidence to prove that on the balance of probabilities (i.e. what is more likely than not) he was there.
Will go up & look for cameras etc , we were asked about photos but as soon as I went to take them he reversed back fast ( I got out way ) then screeched off down the road nearly colliding with car comming the other way , ins said the right thing to do , get out the way The data protection act does contain an exemption to permit disclosure of footage in connection with legal proceedings so although a lot of controllers default setting is "no - because data protection" they can in fact justify disclosure in some scenarios. Always worth asking the question and being a bit pushy.
Also make sure you and any passengers write out a full and detailed account of everything that happened while it's still fresh in your mind. Include a detailed description of the driver. Email a copy to yourself so there's a metadata trail (i.e. timestamp / properties etc). If it goes to court you might be several months for a trial date.
If you can find out where the guy lives (ask the police or your insurer) go round and take a photo of his car, I appreciate you probably don't have this info yet but you really do need to turn detective and think outside the box.
If you took photos at the scene, use a freeware program called Opanda IExif to see whether your GPS location data was turned on.
Unfortunately the police and your insurer will do the bare minimum on this so if you want a proper resolution you're going to have to do the legwork yourself to gather sufficient evidence to prove that on the balance of probabilities (i.e. what is more likely than not) he was there.
Thanks will use what you said to get as much detail as possible , thankyou
Simpo Two said:
Gas1883 said:
It’s all a bit baffling as he’s insured
I wonder if he'll be claiming on his insurance? That would match up with your claim, and insurance companies talk to each other.I also had a thought that in the case of a rear end shunt the car that does the ramming is usually regarded as guilty, as people generally don't generally go round backwards at high speed. It points very much to driving without due care, using a phone etc.
martinbiz said:
I wonder if it's actually been confirmed to the OP or just a MID check, the car may well be showing as insured but it doesn't mean the driver at the time was. Might account for them deciding to leave the scene rapidly
You may have a point , the car according to my insurer is insured , he said with one of the biggest companies, whether the driver of the car at the time is I don’t know Nibbles_bits said:
Will the insurance company give out the other driver’s address?
Because the Police definitely won't.
I don’t know to be honest , they haven’t mentioned it , we have a email now that says they are recovering all costs from the other drivers insurer . Whether that means anything this early in the claim I don’t know . Because the Police definitely won't.
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