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Question About Accident That Just Occurred, Driver Would Not Stop Or Give Details
This is what just happened.
Driving along an industrial estate when I see a truck with a skip ahead waiting to come out and turn right (so across both lanes of traffic)
As I get closer he is looking at me the whole time and decideds he can make it and pulls out in front of me right when im near him, so I brake and try to turn but the metal part on the back of his t hits my right front drivers side, leaving a deep gorge along my car.
I Emergency stop straight away and beep my horn, there is no way he didn't hear the horn or the impact as I was scraping alongside him for a couple of seconds.
He didn't stop, so I got out and inspected the damage, there was no damage to the wheel or anything except the deep gash on the paintwork so I turned around and managed to catch up to him.
I overtook him by some traffic lights, put on my hazards and went into his lane and stopped at the lights even though they were green so he couldn't move.
After this he gets out and starts having a go at me, says he knows I hit him and that it was my fault and laughs at the damage saying its "not even worth reporting", he said a few choice words to add some flavour to the conversation and so I said to him "right well if your not going to co-operate, ill just take your insurance details and let them deal with it"
He refused saying he wont give me his name or details and covered his face when I tried to take a picture of him and I said ill call the police then and he jumped back into his truck and drove around my car very closely all the while shouting "do what you want I don't even care"
I managed to get some pictures of his truck registration.
I just wanted to see what people thought of what happened and would I get into trouble for overtaking cars waiting at the lights to stop him going any further as in my opinion if he had hit my wheel I could have gone into the oncoming traffic and he wouldn't have stopped at the scene..
I reported to the police and my insurance company (which charged me £20 for just reporting the accident even though im not claiming, can they even do that?)
Driving along an industrial estate when I see a truck with a skip ahead waiting to come out and turn right (so across both lanes of traffic)
As I get closer he is looking at me the whole time and decideds he can make it and pulls out in front of me right when im near him, so I brake and try to turn but the metal part on the back of his t hits my right front drivers side, leaving a deep gorge along my car.
I Emergency stop straight away and beep my horn, there is no way he didn't hear the horn or the impact as I was scraping alongside him for a couple of seconds.
He didn't stop, so I got out and inspected the damage, there was no damage to the wheel or anything except the deep gash on the paintwork so I turned around and managed to catch up to him.
I overtook him by some traffic lights, put on my hazards and went into his lane and stopped at the lights even though they were green so he couldn't move.
After this he gets out and starts having a go at me, says he knows I hit him and that it was my fault and laughs at the damage saying its "not even worth reporting", he said a few choice words to add some flavour to the conversation and so I said to him "right well if your not going to co-operate, ill just take your insurance details and let them deal with it"
He refused saying he wont give me his name or details and covered his face when I tried to take a picture of him and I said ill call the police then and he jumped back into his truck and drove around my car very closely all the while shouting "do what you want I don't even care"
I managed to get some pictures of his truck registration.
I just wanted to see what people thought of what happened and would I get into trouble for overtaking cars waiting at the lights to stop him going any further as in my opinion if he had hit my wheel I could have gone into the oncoming traffic and he wouldn't have stopped at the scene..
I reported to the police and my insurance company (which charged me £20 for just reporting the accident even though im not claiming, can they even do that?)
Answers
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Admiral is not the insurer but only acts as a broker. Looking at their website does not show a proper document including their full Terms of Business, although I found a document regarding charges in respect of car insurance, which does not mention any charge in respect of making a claim, therefore I would lodge a formal complaint if they do add a claim charge, unless this charge appears in the policy documents that were issued to you.
Admiral should check on the MID database that the other vehicle was insured, and subsequently put in a claim against the other party.
Draw a sketch of the incident while the facts are still fresh in your mind, ready to accompany your claim.
Make a claim, if the other party was not insured, Admiral and your insurers should take the matter further with the compensation bureau and the police.
Admiral should check on the MID database that the other vehicle was insured, and subsequently put in a claim against the other party.
Draw a sketch of the incident while the facts are still fresh in your mind, ready to accompany your claim.
Make a claim, if the other party was not insured, Admiral and your insurers should take the matter further with the compensation bureau and the police.
http://
///It may come as a surprise for the majority of drivers that it is not necessary to actually carry a physical copy of your insurance documents with you, as the Motor Vehicles (Electronic Communication of Certificates of Insurance) 2010 came into effect in April 30th of 2010. This order gave the possibility of eliminating a paper copy of an insurance certificate for your car, and allowed for insurance certificates to be electronically delivered.///
///It may come as a surprise for the majority of drivers that it is not necessary to actually carry a physical copy of your insurance documents with you, as the Motor Vehicles (Electronic Communication of Certificates of Insurance) 2010 came into effect in April 30th of 2010. This order gave the possibility of eliminating a paper copy of an insurance certificate for your car, and allowed for insurance certificates to be electronically delivered.///
OK Ivor, I Googled it, you're wrong
https:/
/// If the insurance certificate is asked for, but not produced at the time, the accident must be reported to a police station as soon as practicable, or in any case within 24 hours, and the insurance certificate must be taken to a police station within seven days of the accident. ///
https:/
/// If the insurance certificate is asked for, but not produced at the time, the accident must be reported to a police station as soon as practicable, or in any case within 24 hours, and the insurance certificate must be taken to a police station within seven days of the accident. ///
Don't know where some posters have got there information from, but in damage only accidents, the driver must stop, and to any person having reasonable grounds for so requiring must give his name and address, the name and address of the owner and the registration number of the vehicle. If this requirement is not carried out he must report it to a Police officer or at a Police Station within 24 hours. Only when there is injury involved he must also provide a certificate of insurance.
You are correct Baldric.
Also judging by the following Admiral appear to be an Insurer and not a broker as twix asserts.
In 2012 Admiral were critised by the Police and the BBC for penalising drivers who had opted to take a speed awareness course in place of points.
Their underwriting statistics show that drivers who have completed this course are more likely to be involved in an accident.
As said you get what you pay for whatever it is,and Insurance is no exception to this.
Also judging by the following Admiral appear to be an Insurer and not a broker as twix asserts.
In 2012 Admiral were critised by the Police and the BBC for penalising drivers who had opted to take a speed awareness course in place of points.
Their underwriting statistics show that drivers who have completed this course are more likely to be involved in an accident.
As said you get what you pay for whatever it is,and Insurance is no exception to this.
Sir O,
///Also judging by the following Admiral appear to be an Insurer and not a broker as twix asserts.///
Taken from the Admiral website:
"Admiral is a trading name of EUI Limited, an Admiral Group plc company. Our offices are located at Tŷ Admiral, David Street, Cardiff, CF10 2EH (Company Number 2686904).
EUI Limited is authorised and regulated by the Financial Conduct Authority (Firm Ref No: 309378). EUI Limited is entered in the Financial Services Register, this can be confirmed at www.fca.org.uk/register.
Policy underwriters
EUI Limited arranges the sale of motor and home insurance policies on behalf of other insurers. Further information may be found within the Key Facts document; the insurers underwriting your policy are described in detail on your Certificate of Motor Insurance and within your Policy Booklet."
Also the FCA permissions granted to EUI Ltd are only those given to a broker, not an insurer.
///Also judging by the following Admiral appear to be an Insurer and not a broker as twix asserts.///
Taken from the Admiral website:
"Admiral is a trading name of EUI Limited, an Admiral Group plc company. Our offices are located at Tŷ Admiral, David Street, Cardiff, CF10 2EH (Company Number 2686904).
EUI Limited is authorised and regulated by the Financial Conduct Authority (Firm Ref No: 309378). EUI Limited is entered in the Financial Services Register, this can be confirmed at www.fca.org.uk/register.
Policy underwriters
EUI Limited arranges the sale of motor and home insurance policies on behalf of other insurers. Further information may be found within the Key Facts document; the insurers underwriting your policy are described in detail on your Certificate of Motor Insurance and within your Policy Booklet."
Also the FCA permissions granted to EUI Ltd are only those given to a broker, not an insurer.
Thanks Twix,but very strange that their views as described by me above can be attributed to a broker,rather than to an underwriter.
Getting to the bottom of who does what in these complex conglomerates is nigh on impossible.
I think that they may well underwrite for an Insurance co.and / or an insurance syndicate at Lloyds.
Getting to the bottom of who does what in these complex conglomerates is nigh on impossible.
I think that they may well underwrite for an Insurance co.and / or an insurance syndicate at Lloyds.
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