Lady won't give me her insurance details when she bumped into my parked car!

[Isit2021yetplease]

Please can someone help? I've (fortunately) not had to claim or deal with car insurance before and I can't quite work out how it all works.

Last week we were parked legally on the edge of a road, engine off, and a car drove past too close and scraped the side of the car. It's not a huge scratch, but parts are down to the metal so I think will need dealing with. We swapped contact details. She was 100% at fault and there was a witness who's details we got.

She has so far refused to provide her insurance details, instead saying that she has reported the incident to her insurance company, and they will be in touch with ours. I have not yet given her my insurance details however.

I am unsure if I want to claim on insurance due to no claims bonus and excess. We have reported to our insurance company just for info though.

My question is - why would she be refusing to give her insurance details?
Why does she need ours?
If I want to get it fixed and reclaim money from her - do I need to do this through my insurance company (who will reclaim the money from hers I assume) and will this affect my NCB?

What is the best course of action here? We didn't part on particularly good terms as she was fairly rude about it and was making a lot of excuses "why" she hit out perfectly legally parked stationary car!

Any advice gratefully received thanks!

Well I’ve read that and it says you must produce an insurance certificate to the police or someone having reasonable grounds to require it. That does not mean that the drivers have to give insurance details to each other.

If your premimum increases/you lose NCB with your policy, then that will be the case regardless of whether you make the claim or not. You have already reported it to them (which is the right course of action as the insurance company asks for it, but it's not what people usually do if they want to settle without going through insurance) so it's on your record whether you claim or not. Whether or not they increase your premium depends on the company.

Maybe she has no insurance !

It also says you must produce it to any person who has reasonable grounds to require you to do so. That includes a person who’s car you’ve just crashed into.

My thoughts exactly

When i had a car T bone me we exchanged details and the next day I had his insurance call me to sort everything out. It seems very suspicious that she rang her insurance company last week and you still have not heard anything. I would be inclined to message her and state that if you have not heard from her insurance company by xx date then you will provide her details to your insurance company, and the leave it with them to deal with.Your NCB will be fine, yes you will have to state on renewing that you have had a no fault accident, it really does not affect the premiums that much.

We had someone go in to the back of us, wave an apology and drive off. Luckily I wrote down the number plate, the type of car and a description of the man. There was very little damage to our car, as it was in traffic, but we rang our insurance gave them all the details and they tracked him down. We didn’t actually want to claim as it was an old beaten up car we knew were scrapping soon, but it was a matter of principle for us after he drove off. As a “good will” gesture and apology he made a payment of £500 to us outside of the insurance. We told our insurance company to tell him that we accept, and if he had stopped when it happened, we would have probably swapped details with him and take it no further. So he lost out on £500 by being a dick! Hopefully he will stop in future if he happened to be in another prang.

so anyway the point I was trying to get at, is your insurance will be able to track her down even without her policy.

I use to work for an car insurance company;even if you're not at fault you'll still have a claim listed on the underwriters database and it will affect your premiums for the next 3-5 years depending on the company.It's absolutely rubbish but anyone with any sort of claim sitting on their file is considered an increased risk.

Your insurance company will deal with it. When her insurance company find out they will want your details from her. They like to keep costs down by processing the repairs directly rather than paying via your insurance company. If she fails to provide them her premium will probably be affected more than if she had swapped details at the time.
As long as the companies don’t settle on a 50/50 claim then it won’t affect your no claims.
I had someone reverse into me while parked at work recently. Fortunately we have cctv and I was able to pass on the footage.
All sorted out and settled without losing my no claims.

No. There’s no ‘obligation’ to produce it, but if someone’s been injured in the accident and the driver can’t produce a certificate to the other person there and then, (who can!) then they have to report the accident and produce the certificate when they report it, which must be ‘to a Constable or at a police station’ and within 24 hours.

If it’s a ‘damage only’ then the only obligation is to supply your name and address and the reg number of the vehicle.
However, s170 is a bit of a ‘read it how you like’ maze 🤣

My premiums have always gone up every time someone’s hit me even when they’ve admitted liability and I’ve had over ten years of protected NCB. My insurers say it’s because statistics show if you’ve been involved in one accident you’re more likely to be involved in another..