What happens now someone has hit my car?

[whatawhataweek]

At a risk of sounding stupid, what happens now?!
My car was parked and 3 people have witnessed another car hitting mine causing damage.
Car that hit mine drove off.
We've reported it to police as have reg/photos of offending car.
Will the police go and speak to them?
Will I lose my no claims bonus if I claim?
I'd like to go out of insurance really but impossible without their details.

Is your no claims bonus protected?

Go through your insurance that is what it is for. The type who leaves the scene of an accident is not the type of person you want to be coming to a private arrangement with. Plus you have involved the police (correctly) so you really do need to report it to your insurance now.

No claims bonus isn't protected no.
What a shitter. 20 years of no claims gone because someone else is a shit driver then?

You inform your insurers ASAP and give them all of the details you have. They will deal with everything else. Someone drove into my parked car and I left it up my insurer to sort out. Within 24hrs I had a hire car and mine was taken away to be repaired. I didn't speak to the other driver apart from to swap details.

How the police pursue thisdepends on the area and how bad the damage is. In my area the police just want the offending car to exchange details with the driver & will be satisfied with them providing them to you (via them) and informing their insurer. Unless there is fool proof evidence of you being stationary it will usually be settled 50/50.

Well I wasn't in the car. I was in the hairdressers at the time. And 3 witnesses saw this!

I've had two claims in the last 5 years - the above and then someone drove into the back of me. No claims hasn't been affected, and my insurance premium actually went down marginally this year. I'm with NFU, I can't recommend them highly enough.

If its deemed not to be your fault which it would be in this case with your witnesses it doesn't affect your no claims bonus.

Tell your insurance company, give them the evidence and the witnesses details. You will be fine (might take ages though)

Good luck.

I've twice been hit by hit and run.
First time was uninsured teen who lived behind me. Police dealt with him and he got fined for driving without insurance, but that didn't help me - i had to pay out for my own repairs through my insurance and yes the premium went up a bit.

Second time the police never managed to get evidence i'd been hit even though i had a witness?! And it took bloody months for it all to roll on to a nothing conclusion. That time i paid cash to sort it.

I've thought of a third time! A Jewsons lorry backed into my car outside my house (i didn't see or hear it) and drove away. Terrible damage. The next day a woman dropped a note round to say if i needed her to be a witness she would, she saw it all. Jewsons coughed up their insurance details after i contacted them and it got sorted that way. Premium unaffected.

Exactly the same scenario happened to me last week. So lucky that a witness left his details on my car.
taken about a week for the body shop to get their quote approved but I will be picking up a hire car on Friday

It is what it is… I’d imagine insurance quotes will rocket with all the things that have been happening recently, floods fires in car parks.

im just delighted the driver who caused all this hasn’t got away with it.

Go through your insurance, but this person may not have insurance or may not be found so it may affect your no claims (it's no claims not no blame) and insurance payments in the future.

From what the witness's said it was an elderly man driving quite erratically. So I'm thinking maybe he didn't stop because he didn't realise, rather than because he had no insurance.