Went to do a bit of shopping with the misses, reverse my car into a parking space and stop. As I got out, the car next to mine reverse out and scrape and dented my wheel arch. He didn't know that he hit my car until I told him to stop. He got out and said is only a scratch in broken English, my mind think he's not insured. I said are you insured? He gave me all the porky saying is at home, I get my friend to come down. I call the police they didn't want to know saying you have to exchange details. I finally took a photo of the guy V5C/S form. Got home phone insurance company, told them what happened. As I guess the driver wasn't insured, not want to be out of pocket I said I didn't want to make the claim. I asked my insurer do you have to inform the police about the uninsure driver? they said no as am not making a claim, but you can inform them if I wish. So I rang the police and told them what happened saying I need to come in and fill in a form. I went down spoke to some civilian staff and what a waste of time. Law biding citizin always get shafted, criminals get away with it. How's that fair?
Uninsured driver
- Thread starter kiwifruit
- Start date
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cyberknight
As long as I breathe, I attack.
- Location
- Land of confusion
steve50
Disenchanted Member
- Location
- West Yorkshire
Sounds about right, police not really interested because no injury involved so tell you to "get on with it" they might eventually chase up the guy for driving without insurance but will probably have to catch him actually driving the car in order to prosecute him.
Make sure your insurers don't increase your premium at renewal time. you have reported a "non fault no claim incident" so they might well take the opportunity to up your annual premium just for the fun of it.
Make sure your insurers don't increase your premium at renewal time. you have reported a "non fault no claim incident" so they might well take the opportunity to up your annual premium just for the fun of it.
steve50
Disenchanted Member
- Location
- West Yorkshire
Thanks, bookmarked just in case.
Drago
Legendary Member
- Location
- Suburban Poshshire
CK is correct. You claim against the MIB, not your own insurance.
In what way was filling in the form for the police a waste of time?
In what way was filling in the form for the police a waste of time?
Drago
Legendary Member
- Location
- Suburban Poshshire
He wants the Feds to 'do something' but moans about the process of supplying the information to assist them. I bet he'll be only too happy to fill out the MIBs forms to get the money to mend his car.
steveindenmark
Legendary Member
I see this attitude on here all the time and to be honest I am flummoxed every time I see it.
I was a police officer for 8 years and this example was simple, bread and butter police work. We didn't have a quota as people think, but the shift Sergeant kept a regular eye on the process work we were doing.
I would love it if members of the public came in and handed me work on a plate like this. It was usually a door knock, fill in the forms, send it off and that's the last you saw of it until you got the results from court.
There are a couple of points I would bring up. You say it was in a car park. If its a private car park he may not need insurance. Of course he drove there on a public road, but try proving it. Its amazing how many friends drive people to car parks and then clear off. I think the car teleports itself home. Now we are in the age of the mobile phone, I would be taking photos of the car and driver. You are entitled to do this. It helps identifying the driver easier.
I would go back to the police station and insist on speaking to a sergeant or inspector. Its easy police work that should not be just fobbed off.
Vapin' Joe
Formerly known as Smokin Joe
- Location
- Bare headed cyclist, Smoker
If it is a car park or any land to which the public has access he will have to have insurance. And as kiwifruit was on a shopping trip I would assume that to be the case.
All I wanted is the uninsure driver to be taken off the road. I have 2 young kids, God forbid if I had my kids and my wife in the car driving down a main road and he pulls out in front of me. I don't wish that on me or any other person. Just what him off the road.
Drago
Legendary Member
- Location
- Suburban Poshshire
Do you actually know he was uninsured?
Just talking to your insurers about an incident can increase premiums.
Has a feeling he wasn't insured, when I phone my insurer they confirm that he wasn't insured.
D
Deleted member 26715
Guest
He spoke with an Eastern European accent of course he's not insured, none of them are, they come here steal our jobs etc. etc.
Also you have screwed yourself by informing your insurance, it is now on your records & I can guarantee that your premium will increase whether you pursue the claim or not.
Tanis8472
Guru
You will now have to declare that for the next 5 years.
I did the same, although the daffodil who ran into me gave me false details.
Insurance is more even though you have done nothing wrong.
It still farks me off. </rant>
I did the same, although the daffodil who ran into me gave me false details.
Insurance is more even though you have done nothing wrong.
It still farks me off. </rant>
