Car scraped

If you have filed a report with the police and have witnesses you will be fine. Contact your insurance company and provide them the crime reference number you should have got. Tell them it was non-fault and you have witnesses.

Similar happened to me when someone hit my car and drove off. An independent witness left me her details kindly and I went to the police. Reported as leaving the scene of an accident. Even though my car was parked and I was away from it, she was arrested, charged and found guilty of leaving the scene of an accident and driving without due care and attention according to the police liaison who kept me updated on the case. My insurance got in touch with hers via her number plate and my car was repaired at their cost. All in all fairly painless thanks to the witness.

The 3rd party on the other hand will have some fines to pay, expensive insurance renewals and probably had a temp ban depending on how many points she would have gotten if any.
 
When I did this to another car, I left all my details, went to see them, very apologetic and offered to settle any cost outside of insurance. The damage was so light they said to me had it not been for me pointing out the damage in the note I left they never would have found it.

They told me to 'do one' settling it between us and went through insurers, who valued the scratch at £250 and I lost 3 years no claims over it.

So OP I feel for you, but being honest cost me probably about £600 over a scratch that required a touch up on a 10 year old fiesta, I can see why he has denied all knowledge
 
If the police get you his insurance details contact HIS insurance company, not yours. You'll be better off not involving your own insurers (and thus having fault claim until they recover costs).

If you go through your own insurance and they eventually don't get the other party to cough up then you've effectively got yourself a fault claim complete with an overpriced insurance repair that you've contributed up to £350 towards, whereas if you go directly to his insurance company and they won't back down, then you only end up swallowing a small £100 hit to get the repair done yourself.

As someone mentioned before in another thread, in insurance terms fault isn't necessarily about who caused an accident but ultimately who has ended up paying for it.

If you go via your insurer and they cannot recover the cost from him due to disputed liability, they'll probably just say 'meh car park 50/50' or something and then you'll be stuffed with a fault claim because they've had to pay.

If the police don't get you his insurance details, then just fix it yourself and say nothing to anyone.
 
Hopefully this is a helpful response.

There are two things you can do.

1 - Report him to the police for failing to provide details which he has to supply. They will investigate further.

2 - Go to www.askmid.com - for £4, they will tell you who he is insured with. you then phone his insurance company, tell them he hit your car, and you have witnesses, and that you want a courtesy car, whippy compo, and a 99 flake (note, 2 of those 3 suggestions may be in jest :p ) and they should sort it out.

If you have photos showing marks on his car lining up with yours, plus the witnesses, it should be clear cut and his insurance should admit liability. They should bend over backwards to help and pay towards any costs such as days taken off work to sort the car out, the £4 charge to get details, plus any other reasonable costs you have (keep receipts) etc
 
wasc said:
tell them he hit your car, and you have witnesses, and that you want a courtesy car, whippy compo, and a 99 flake (note, 2 of those 3 suggestions may be in jest :p )
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lol yeah, courtesy car and a 99 flake, why would you even want those!
 
Presumably there was damage to his car to show it was him who reversed in to you and you have taken photos of said damage ( on the Jaaaaaaaag)
 
If I got that response from the person I'd be fuming. In my head I'd be jumping on his bonnet and roof. Perhaps I wouldn't in reality but in my head I can picture it now.

Somebody above said two wrongs don't make a right, but I think going completely overboard does make it right. Some punks need to be taught a lesson and they only way they know how is the hard way.

Now I'm picturing some sort of standoff
Me: "If you don't admit what you've done I'm going to kick your door in, if you continue to deny I'll start kicking in the rest of the door.
Him: Yeah right, I didn't do nuffin
Me: You stupid twerp *kicks door panel so visible dent shows*
Him: What are you doing????
Me: Admit you scrapped my car
Him: What did you do?
Me: And again *kicks in another door*
Him: Okay, okay, I did it, it was my fault
Me: That'll teach you not to lie then won't it! *drives off and pays £50 for minor scratch to be polished out, leaving offender with hefty repair bills*

That's just in my head though I think.
 
desires said:
If I got that response from the person I'd be fuming. In my head I'd be jumping on his bonnet and roof. Perhaps I wouldn't in reality but in my head I can picture it now.

Somebody above said two wrongs don't make a right, but I think going completely overboard does make it right. Some punks need to be taught a lesson and they only way they know how is the hard way.

Now I'm picturing some sort of standoff
Me: "If you don't admit what you've done I'm going to kick your door in, if you continue to deny I'll start kicking in the rest of the door.
Him: Yeah right, I didn't do nuffin
Me: You stupid twerp *kicks door panel so visible dent shows*
Him: What are you doing????
Me: Admit you scrapped my car
Him: What did you do?
Me: And again *kicks in another door*
Him: Okay, okay, I did it, it was my fault
Me: That'll teach you not to lie then won't it! *drives off and pays £50 for minor scratch to be polished out, leaving offender with hefty repair bills*

That's just in my head though I think.
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Sounds like the opening plot to a porno film.
 
agnes said:
Contact your insurance, they will give you an answer on the matter.

You have witnesses, mobile numbers and now the police have a official report of the incident. His insurance will have to pay out. You won't pay a penny unless costs go 50/50, very unlikely.
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DO NOT do this.

I contacted my insurance over an incident to check some details, told them I just wanted to check and won't be claiming etc they still put it on file and it puts my insurance up every year still.
 
VTR said:
DO NOT do this.

I contacted my insurance over an incident to check some details, told them I just wanted to check and won't be claiming etc they still put it on file and it puts my insurance up every year still.
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This unfortunately.

If it was my car I'd have just let his tyres down or something, not slashed just let them down. Mainly for being a **** than accidentally scratching the car.

If I had a nice car which had some value I don't really know what I'd do if I'm honest.
 
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