Need advice on accident.

[Pale Rider]

Only a bit more! It does have two advantages though.
They will check to see if the vehicle is insured and its insurance history. They find its insured, then they will pass it onto the insurance company.
The form itself gives a very clear indication of what is expected from you in such an incident. Evidence wise.

Agreed.

I believe the uninsured driver fund requires a higher standard of fault proof than a regular insurance company, so it is not quite as good as it sounds.

I am aware of a couple of unfortunate individuals who couldn't get their claims paid, even though their cases appeared sound.

Best result for the OP is the driver does have insurance.

 

[vickster]

I thought the fund was more to cover personal injury than damage to property. I don't believe the OP was badly hurt at the time, hence plod not getting involved it seems

 

[cd365]

Assuming you have the registration number, you can get his insurance details from askmid and then you claim for your damage directly from his insurance company.

http://www.askmid.com/askmidenquiry.aspx

Of course, he may not have told them, but that's his problem, not yours.
.

Do this, go back to him and tell him that you now have his insurance details, tell him who he is insured with. Give him a few days to come up with the money or tell him that you will claim direct off his insurance company. In his shoes I would give you the £150 to get you off my back, it will cost him a lot more than that if you do let his insurance know.

 

[Pale Rider]

I thought the fund was more to cover personal injury than damage to property. I don't believe the OP was badly hurt at the time, hence plod not getting involved it seems

Looks like they are prepared to consider a claim for vehicle/property damage:

Lifted from the FAQs on the site:


"Accidents involving damage to your vehicle
If you have comprehensive insurance for your vehicle
We recommend that you make a claim for repair with your own insurer. You do not have to do this, but the repair will be carried out quicker and will not be delayed by any enquiries that we will have to make about the circumstances of the accident.
If you do not have comprehensive insurance for your vehicle
We may be able to assist you. Please complete the claim form."


There's a similar script about property.

 

[Pale Rider]

Do this, go back to him and tell him that you now have his insurance details, tell him who he is insured with. Give him a few days to come up with the money or tell him that you will claim direct off his insurance company. In his shoes I would give you the £150 to get you off my back, it will cost him a lot more than that if you do let his insurance know.

That's what I would do, although I think the OP is reluctant for the other party to know his name and address.

 

[vickster]

Isn't the point to exchange details really, although seems like the driver is similarly unwilling

 

[Crankarm]

Looks like they are prepared to consider a claim for vehicle/property damage:

Lifted from the FAQs on the site:


"Accidents involving damage to your vehicle
If you have comprehensive insurance for your vehicle
We recommend that you make a claim for repair with your own insurer. You do not have to do this, but the repair will be carried out quicker and will not be delayed by any enquiries that we will have to make about the circumstances of the accident.
If you do not have comprehensive insurance for your vehicle
We may be able to assist you. Please complete the claim form."


There's a similar script about property.

First £300 of any claim is not met though which is crap for cyclists. Injury and damage to property is covered. Process is convoluted and long.

 

[Crankarm]

If cost to repair bike is only £150 plus any out of pocket expenses which might be minimal then no solicitor will take this on as they cannot recover their costs and frankly their costs would be huge compared to what you would be claiming.

FWIW I would get back onto plod, ask why they haven't done anything, request insurance details of the driver, if he was and still is uninsured then demand he is prosecuted and vehicle seized. If he is insured write to his insurers with receipts for your bike repairs and enclose any other supporting evidence requesting payment within 14 days. If he's not insured then get his name and address and send him your receipts. If he or is insurer start stalling then be prepared to issue a claim in the Small Claims Court. Fee is about £80 iirc.

If he now informs you that he intends to make a claim against you for damage to his vehicle then he is admitting to being in collision with you. Do you have 3rd party insurance? You will if you are a member of BC, CTC or LCC. It might just be a bluff/tactic to frighten you off. Was it clearly your fault or his or 50/50? Be objective now. You have no witnesses or head cam footage so unless the facts are clear i.e. his or your fault then it might well be viewed by insurers or judge as knock for knock which case just write it off and move on.

 

[markharry66]

I dont want to supply my address details as have a feeling this guy will come to my address. He admitted fault when he hit me.
I will supply my details to his insurance. His car is registered to a different address, and texted me over weekend to let me know that he was going to supply insurance details something he is legally obliged to do. Maybe for sake of £150 best to forget it

 

[vickster]

No, contact the police, explain the situation and your concerns. Given you've still not had the details from him, I doubt you will

If you go down the Small Claims court route, you will have to supply your name and address ( went through the process last year, albeit unsuccessfully and cost me more than £150 )

 

[Pale Rider]

I dont want to supply my address details as have a feeling this guy will come to my address. He admitted fault when he hit me.
I will supply my details to his insurance. His car is registered to a different address, and texted me over weekend to let me know that he was going to supply insurance details something he is legally obliged to do. Maybe for sake of £150 best to forget it

It seems you have concerns for your personal safety - only you can work that out.

I can't guarantee if you claim through his insurance he won't get your address, but there's no reason why he should.

A friend had someone claim off his insurance and he didn't know anything about it until the insurance company informed him at renewal there was a claim in the last 12 months - and they'd paid it.

He was a bit miffed, but that's another story.

 

[classic33]

I dont want to supply my address details as have a feeling this guy will come to my address. He admitted fault when he hit me.
I will supply my details to his insurance. His car is registered to a different address, and texted me over weekend to let me know that he was going to supply insurance details something he is legally obliged to do. Maybe for sake of £150 best to forget it

Follow the steps given to trace wether he is insured or not. If he is, text back what you have and give a time by which you expect a response. Make it clear that if no answer is provided before the deadline you will be contacting the insurance company direct. Asking them if they have received any notification of an incident from the driver. Stick a same week deadline to it and if possible get it sent to another mobile number that he can see has also received it.

Is it worth £12-£15 to get the details of the actual owner of the vehicle? To do this you will need a police log number, as well as a clear reason of why you require the details.

How do you know the car is registered at somewhere other than where he lives, if you have no personal details to work with?

 

[markharry66]

its okay after two months guy has finally given me insurance details will phone and claim. The system is garbage but got there eventually