To ask to see the police report? Somebody borrowed my car and bumped it.

[mameulah]

Long story short.

I was forced into a situation where I basically had to lend my car to a friend for about an hour. In that time they were involved in a small two car collision. Thankfully no one was hurt and there was barely any damage. But the police were called.

I just get the feeling that my friend isn't being honest about what actually happened.

How do I go about getting the police report? Am I entitled to do this because the collision happened in my vehicle? Will my friend find out that I have been snooping?

tia

OP I think people wanted to know re the 'forced to lend' issue to your friend to get a clear picture as to whether there was a set of stressful circumstances that could have led to the accident - e.g. driving to fast to get to a sick loved on or if your friend was insome trouble.

But as you say it is not relevant then I get that - but there is not something right about a friend who does this.

Most comprehensive policies offer third party protection to any appropriately qualified driver using the car.

OP, you MUST tell your insurance company that this has happened, just so they are aware of a possible future claim. A friend of mine had his policy cancelled immediately for not reporting a very minor accident his daughter had had, and he was a senior police officer.

police were called to an accident I was in when I was hit by a lorry although no idea what was said but ambulance arrived also..Car was in the middle of a roundabout.

You haven't said who hit who, who called the police, was other dirver insured.

You could phone police with reg and say you understand it was in an accident can they give you details.

She'd be covered third party by her own insurance wouldn't she?

My DP (worse driver in the world) was involved with a minor bump where the other party called the police and they attended. It was purely cos DP had no idea of who he was insured by - (tbh I wouldn't know off the the top of my head who I was insured with either). He phoned me and let the guy speak to me and I found his details but the other driver thought it was fishy (DP drives a battered old car, looks scruffy, has a French accent, is arabic - I guess might be considered 'foreign' - even though has been in the UK for 20+ years and was fully insured)
toospotty I don't think what you have said is right ....it is most people with comprehensive insurance on their own car have third party to drive another vehicle. (I drive my mum's when we visit sometimes using my third party. You can also pay a small day rate to add someone to your insurance for a short period of time if they don't have insurance of their own/ want fully comp.
If what you said is true parents of young drivers would just insure their child's car for them till they were 25 or had experience rather than them having to stump up many thousands...or someone with a terrible insurance record could just drive around on a 'good' drivers insurance.
They even changed the rules so a parent couldn't insure a child's car for them and have them as a named driver etc....

And you should check your policy before assuming you have that third party cover - bit of a fuss a few years ago as some insurers had stopped covering the third party use and therefore giving people cheaper quotes - but they weren't telling people they were doing it so people just assumed they still had it ...and therefore were driving illegally, uninsured.
The friend would have been driving (if actually insured!) on their own third party cover - so nothing to do with OPs insurance...although I agree OP needs to tell her company.

My policy used to cover me for any other driver to drive my car 3rd party only so long as they had their own valid insurance.

I can't understand why the circumstances around the accident is such a mystery by OP's friend. Accidents happen and especially as it is a friend of OP and her car I'd have thought her friend would have been bending over backwards to sort it out. I also can't understand why OP is being so vague and won't ask her friend outright. Surely its going to be needed when it comes to insurance and that needs doing ASAP

OP, let's put all the circumstances to one side for the moment.

Your car has been in an accident. Regardless of anything else, your first action is to inform your insurance company. That is a requirement of the policy. If you don't comply, you risk your policy being invalidated and making it difficult and/or expensive for you to renew or reinsure elsewhere.

Unlucky, I think we're both right. I certainly drove friends' cars on their policies without owning a car of my own. I think they often exclude drivers under 25 though.

I got £100 and 6 points + £35 court costs and that was nearly 20 years ago - for allowing a friend to drive without insurance - I just assumed he was covered

Not sure about that toospotty! Think you weren't insured - anyone in any doubt needs to call the insurance company of the car owner to check....
I know eg my sister (way over the age of 25 ) not a current car owner is not insured to drive my mum's car...even third party and just had a quick look at DPs renewal and it isn't mentioned there either ...(in fact only he as the main policy owner can drive someone else's car third party - I can't as a named driver on his policy. And if he wasn't a named driver, as my 'partner', he couldn't drive mine 3rd party...which was a real shock - he puts my insurance up (had a few minor bumps) so a few years ago I thought about taking him off mine altogether and just driving his third party on my insurance on the very very rare occasions we drive each others cars ...which apparently I couldn't do!)
My brothers (twins) used to be used car dealers. They still dabble a bit now always have a couple of cars and a van each....they have 'trade' insurance so they can truly drive any car but that isn't cheap and I don't think just 'anyone' can get it.

Absolutely sure I was covered, Unlucky! The car I used most often had an extremely protective owner and would never have risked it! It's also been on policies I've had as I've made sure of it when going on holidays and sharing the driving. As I said, the requirements are usually that you meet appropriate requirements, which I guess will vary but I imagine usually involve age at least, and it's only third party protection. Presumably many of us also have protection from our own policies in the way you describe too of course. I know I do, now I do own my own vehicle.

OP where are you? Have you spoken to your friend and insurance company?