Car park ding, owner hesitant to pursue

Justintime

Justintime

Justintime

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Hoddesdon, London, UK
Work at a school with a fairly large car park. In the evening sometimes theres a sports training thing with year 6s being brought in, usually by mums. Sixth former has a nice 06 Fiesta ST that he cleans weekly lol. Some stupid bint in an old mercedes R reg C class was reversing out and her front bumper caught his rear arch and rubbed it to the point that paint was exchanged and theres a litte dent. Two other sixth former and myself witnessed it (was out having a fag and heard it) The two sixth formers told her to stop and one went to get the owner. Apparently the lady told the remaing sixth "its just a car, don't have time for this" and "you'll learn about real life one day". She then drove off.


I've got the CCTV data of her reg, not the accident as it happened in an non covered spot. However the owner is hesitant to pursue as hes worried about his NCB etc.. am i right in assuming as its her insurance he'll not suffer for it? Does he have to tell his insurance?
Also, if he dosen't pursue, since i have two other witnesses can i report her for a hit and run?
 
If he dealt with her insurance company directly or with a credit-repair type company like Europa/Helphire (if they'll take it), then there is no reason why he has to worry about his excess or NCB.

And yes, you can report her for a hit and run, I believe. In fact, I'd encourage you to do so, this is the exact type of person we all hate in car parks. The fact she did it with the owner on their way and with witnesses only goes to show her stupidity.
 
He will probably have to report it as a non fault claim at renewal, but wont lose any NCB (permanently), as he would be claiming through the woman's insurer.

I would report it as a hit and run and go from there, she will have to provide details to police and then he can start the claim process with those details. Also no harm in notifying his insurer in the meantime, but probably little point.
 
Definately pursue this, the woman needs to learn you can't just do this.

Plenty otherrs on here with real advice I cannot offer.

Edit: had the same happen to me today and person drove off. Pretty likely to have been a woman too.
 
Poor guy. He knows if he loses his NCB he wont be able to insure his Fiesta ST, hence he's worried. But if he claims from her insurance company, then he won't need to claim on his insurance and his NCB is safe.

He will need to involve the police though to get her details - the accident will need to be reported as a failiure to stop, and you'll need to be a witness.

Please do it - she deserves everything she gets.
 
Depends how bad the damage is, if it is easily rectified, then get the required cash from the offending party, much less hastle all round, and less statistics for insurance vampires.

As for a hit and run, it's a car park ding, that's ludicrous.

BUT, the offending party sounds pretty complacent, in this situation you should encourage the driver to go via insurance, as they have good 3rd party witnesses, ie, you, and some students.

It's people like them that increase the cost of insurance for everyone.
 
[TW]Fox;17960975 said:
Poor guy. He knows if he loses his NCB he wont be able to insure his Fiesta ST, hence he's worried. But if he claims from her insurance company, then he won't need to claim on his insurance and his NCB is safe.

He will need to involve the police though to get her details - the accident will need to be reported as a failiure to stop, and you'll need to be a witness.

Please do it - she deserves everything she gets.
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seconded

Arrogant scumbag.
 
mattyfez said:
Depends how bad the damage is, if it is easily rectified, then get the required cash from the offending party, much less hastle all round, and less statistics for insurance vampires.

As for a hit and run, it's a car park ding, that's ludicrous.

BUT, the offending party sounds pretty complacent, in this situation you should encourage the driver to go via insurance, as they have good 3rd party witnesses, ie, you, and some students.

It's people like them that increase the cost of insurance for everyone.
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He can't just go via her insurance though (or even just cash from her), as he has no details other than a reg number because she drove off, he needs to report it to the police to get any sort of details for the other party to begin with.
 
She sounds like a scumbag. If it's done by the book, there will be no comeback on his insurance. If she lies, and says he hit her car and she wants to claim against him, then it could get messy. Are there any other witnesses other than the guys friends?
 
I'm the only other witness, i'm a staff member (IT admin) though so that should carry some weight i guess, he wasn't even present. I'll push him to pursue it as hes a kind of mate (known him since year 7 and hes now 19, one of the very few students i shoot the """ with.)
I'll liase with the police liason who comes weekly on Friday and get permission to use the CCTV footage if needed.
 
Kenai said:
He can't just go via her insurance though (or even just cash from her), as he has no details other than a reg number because she drove off, he needs to report it to the police to get any sort of details for the other party to begin with.
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Fair point, he should report it and get a police ref. Then take it to the insurers. With a 3rd party witness on top they don't need to worry about their ncb, I suspect its pretty safe.

It's not a course of action I would normally recommend, but given the attitude of someone who clearly has no regard for the guys car, I say take em out.
 
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I'd just stick with identifying him as someone who happens to work at the same place as you otherwise the third party insurer may say as a friend you aren't independant.

Also, when you say you heard the collision, did you see it too?

Just playing devils advocate :D
 
bainbridge said:
I'd just stick with identifying him as someone who happens to work at the same place as you otherwise the third party insurer may say as a friend you aren't independant.

Also, when you say you heard the collision, did you see it too?

Just playing devils advocate :D
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good point

Wording here is crucial to the woman's insurance not picking holes in your statement.

he is a student, your a teacher who works there and just happened to see a student's car get dinged
 
Kenai said:
He can't just go via her insurance though (or even just cash from her), as he has no details other than a reg number because she drove off, he needs to report it to the police to get any sort of details for the other party to begin with.
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He still doesn't have to go through his own insurance though. The likes of Helphire or really any no win no fee lawyer can sort out this kind of thing and deal with the police and/or DVLA for you.
 
This happened to me on the works car park, a woman reversed into the side of my car. I was in work at the time and when i got out there she was reluctant to give me her details.
I had about 20 witnesses all work mates.
I phoned my insurance ( esure )and because i wasn't at fault, they put me onto Drive Assist. They said it wouldnt be recorded on my insurance as it was being dealth with by Drive assist.
He should be fine and it shouldnt show on his insurance.
She should get busted by the police.
 
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