Last Sunday a stupid woman lost control of her car and mounted a five foot wide pavement outside our house and crashed her car into our wall.She said she got the foot pedals mixed up, luckily it was only 8 0' clock and not many people were about, there was another car involved but he disappeared before we could get his details.Part of the wall will need to be rebuilt as it was knocked of the foundations.We got her name and address and her husbands business card they said they would let us know insurance details as it was her husbands company car.My husband rang him and he says he has only worked with the company for 2 weeks and his boss has been too busy to look for the insurance details.I'm beginning to assume that maybe they do not have insurance, something just doesn't feel right.I don't see why we should have to claim on our buildings insurance and pay an excess and risk premiums rising when we are the innocent party here our wall didn't jump out at her! I would just like some advice on what we should do next as I don't know very much about insurance and whether we should go to the police after all she could have killed someone.Sorry for the rant but its been on my mind I've been to bed but had to get up coz I couldn't sleep.

I was crashed into from behind by a female who claimed it was her boyfriends car and he would "sort everything out".
When I rang him he told me to take the car to a dodgy garage and he would sort it. I refused . He basically told me to get lost and that he had no insurance so it was just "tough on me".
I went to the police who phoned him - he then claimed he did have insurance but was worried about losing his no claims and that was why he had said that to me . :rolleyes: Like hes goingt o admit to a police man he really doesnt have Insurance
I then gave all the details to my insurance ( I had their names, adresses and reg. number) and the Insurance dealt with it all from there on.
I suggest you do the same and stop them messing you around - good luck :)

I was a hit by a student who was driving her mother's car the day after she passed her test.  She was turning right at traffic lights and didn't realise she had to give way to oncoming traffic. :(  It turned out that she wasn't insured but by the time I found that out it was too late to involve the police.  And when my husband had a company car I wasn't insured to drive it!!!

What about taking her to small claims court, it doesn't cost too much and you will represent yourself.

Do you have any legal cover on your house insurance, they might even chase her for you.

By law a company must provide public liability insurance and insurance for its vehicles if it belongs to the company and is provided for the employee's use.  If the employee is provided a car allowance, the insurance is the responsibility of the employee.

You should put down your query in writing and your insurers should write to them etc on your behalf.

The police do not generally get involved unless there is injury to people and it is a bit late for the person to be breath tested now!

Hello,

My advice would be to contact your home/buildings insurer and let them deal with it as a sort of 'non-fault' claim.  Give them all the details you have and let them do the work for you.  After all, thats what we pay them for!!  They will have the knowledge and resources to contact these people and start the ball rolling.  You will still have to pay the excess until they recover the damages but at least you won't have the stress of trying to contact them again.

I hope it all gets sorted out.

Ussher

Thing is was his wife insured to drive the company car?  If I drove my OH's company car and had an accident I would have to fork out a massive excess of £500 - they may be trying to avoid that or letting the boss know????  Maybe the police could help if they are refusing to give insurance details??  I thought you had to give over the relevent details in such an instance??

Just to update you.We did eventually get the insurance details.Someone came from the insurance company today to look at the wall and I had to part with the £50 excess they will try and claim it back.The Volvo that the woman hit was a right off the driver managed to drive it away on the day though!

In Insurance terms "write-off" also refers to a car that will cost more to fix than its actually currently worth even if its still driveable :rolleyes:

Can I just ask why you have to pay an excess if you have the drivers insurance details ?

He said the excess was needed to activate the claim and the insurers said they would do their best to get it back.I'm not that hopeful though!
Ange

Its just that  you usually only pay your OWN Insurance any excess -
If its giong through the drivers insurance then he should be the one to pay the excess , as its his policy- make sure you get it back !

Hi Lel
Part of the process was to claim on our own insce and we have been assured it will be claimed back from the other drivers insce company.
Ange

Good news.The wall was rebuilt a couple of months ago and we received the cheque for the excess this morning,which was a nice surprise as I didn't really think we would get it back.
Ange