Just been hit by a lorry

neil3k · 11 Dec 2014 at 08:33

So driving to work this morning and a lorry decides to change lane into the side of my car.

No major damage just a couple of scuffed panels.

Got his details etc but I have a couple of questions. He admitted liability "I didn't see you"

1) Do I still have to pay the excess on my policy or do their insurance cover it?
2) As it's only a couple of scuffed panels is it worth just taking it to chips away etc?

Howard · 11 Dec 2014 at 08:37

1. Nope not if you're dealing with their insurance which you should be.

2. You're entitled to a good quality repair!

neil3k · 11 Dec 2014 at 08:42

Howard said:
1. Nope not if you're dealing with their insurance which you should be.

2. You're entitled to a good quality repair!

Problem is - it's a foreign lorry so I wouldn't know where to start!

Yaayuh! · 11 Dec 2014 at 08:42

Glad to hear you're okay.
Got to love the "Sorry i didn't see you" response.

Howard said:
1. Nope not if you're dealing with their insurance which you should be.

2. You're entitled to a good quality repair!

This.

Use their insurance and get it sorted properly.

Yaayuh! · 11 Dec 2014 at 08:44

Uther · 11 Dec 2014 at 08:48

I hate to think how awkward it would be to deal with a foreign drivers insurance policy!

Prophet · 11 Dec 2014 at 08:50

Uther said:
I hate to think how awkward it would be to deal with a foreign drivers insurance policy!

3 years of battling to get my mums car repaired after being run off the road by a foreign lorry driver. She had all his details and photos etc but it still dragged out!

Diagro · 11 Dec 2014 at 09:09

Would it not be best in this situation to get your Insurance company to deal with it?

Or get a middle man involved.

Armageus · 11 Dec 2014 at 09:26

Diagro said:
Would it not be best in this situation to get your Insurance company to deal with it?

Or get a middle man involved.

You still should inform your insurance company that your vehicle has been involved in an incident, regardless of whether you intend to claim. If you provide all the details to them, then I imagine they can put pressure on the 3rd parties insurance company.

Mr-White · 11 Dec 2014 at 09:27

Prophet said:
3 years of battling to get my mums car repaired after being run off the road by a foreign lorry driver. She had all his details and photos etc but it still dragged out!

I hope she claimed backed 3 years worth of courtesy cars

FYI your insurance will go up too

MW

neil3k · 11 Dec 2014 at 09:31

Because he didn't swap insurance details with me it's a police matter now. Which means I need to to into the station and report an incident.

GravyMonster · 11 Dec 2014 at 09:50

OP says he did give you his details?

ShiWarrior · 11 Dec 2014 at 10:28

neil3k said:
Because he didn't swap insurance details with me it's a police matter now. Which means I need to to into the station and report an incident.

erm in your first post you clearly state that he gave you his details ??

MooMoo444 · 11 Dec 2014 at 10:56

neil3k said:
Got his details etc

neil3k said:
Because he didn't swap insurance details with me it's a police matter now.

u wot?

div0 · 11 Dec 2014 at 11:13

Considering the update about not getting insurance details, I would assume 'got his details' in the OP just means got his 'name' + reg number.

div0 · 11 Dec 2014 at 11:16

I would advise that you contact your own insurance company, informing them of the incident. Make it clear that (at this point) you only wish to pursue a claim if the costs will be covered by the other driver's insurance.

Your insurance company may then be able to track down who he is insured with, although it will be complicated by the fact he is a foreign driver.

Scania · 11 Dec 2014 at 11:25

neil3k said:
He admitted liability "I didn't see you"

Left hand drive artic at a guess, he wouldn't have seen you, it's highly likely you were in one of his many blind spots.

Good luck sorting the claim! Foreign HGV's are not the ideal insurance claim candidates!!

What country was he from out of interest?

ZXSpectrum · 11 Dec 2014 at 11:29

neil3k said:
Because he didn't swap insurance details with me it's a police matter now. Which means I need to to into the station and report an incident.

Eh What? If a driver of a vehicle hit me and wouldn't submit their details I would be onto the police straight away to attend and get him to. Its in the best interest of the police as he could be driving without insurance in our country.

beachBOYken · 11 Dec 2014 at 11:32

I got hit by a foreign artic lorry driver in 2007 on the m25 in my citroen saxo, very luck to drive away afterwards, after being pushed down the motorway side on before eventually spinning out.
Somehow I could still drive away afterwards!!
I had witnesses who stopped and police involved due to incident/location and my insurance Admiral done a great job of sorting it all out.

kaiowas · 11 Dec 2014 at 11:34

ZXSpectrum said:
Eh What? If a driver of a vehicle hit me and wouldn't submit their details I would be onto the police straight away to attend and get him to. Its in the best interest of the police as he could be driving without insurance in our country.

I wouldn't have thought it's particularly unusual to be unable to provide insurance details on the scene. Name and address is easy but not everyone carries their policy number around with them, and in the age of comparison websites I think you'd be surprised at the number of motorists who couldn't even tell you who their insurer is until they get home and dig out the documents.