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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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Original poster

To call the police?

62 replies

happystarfish · 01/08/2018 10:36

First post on here! (Its going to be a long one)

A bit of back story...
A few months ago, I was in a car accident outside my house, down my cul-de-sac, on my way home.

The gent that hit me was reversing off of his driveway, to park on the opposite side of the road. He was going reasonably fast, not looking, fag in hand, music blaring and went straight into my drivers side door (where i was obviously sat).
He got out of the car screaming that he was reversing and that it was all my fault, Quite shaken up i didn't really know what to say, But advised that i would park my car in my drive and come back over to exchange details.
When I went back over to his home, his mother came out (Not sure whether he lives with her fully or not), and she admitted that he was in the wrong. He was reversing onto the road that i was already on, therefore my right of way (and obviously because he didn't check his bloody mirrors!!!!). He accepted that he was at fault and mutually decided that we would look into having the work done privately. We exchanged details, Telephone number, Number plates, Address etc (although not insurance companies which i regret!!) and got on with the rest of our days.

A week later i took the damages to quoted and was told a price of £1300, I passed this information over to the gent and he was not happy. He told me he would be able to get a much better price from a garage that hes been to before. So following his advice i took it to this garage, only to be quoted a price of £1200. I told him the price and sent the quote document to him, and this is when things went down hill.

I was coming to the end of my tether and phoned him explaining i was due to go on holiday and that if he hadn't sorted the situation out or made a decision about what to do, that after my holiday i would be contacting his insurance company and going through them.
This is when he disclosed to me that he didn't know if he had renewed his insurance!!! This obviously made me furious and i had to go on holiday with the thought in my mind that i had been massively screwed over.
When i came back from holiday i still hadn't heard a word from him and i decided to contact his insurance. I called the company that i believed he was with (from comments that he had made). I called them and got everything rolling, they confirmed there was a policy and that they would give me a few months to get in contact and they would be able to sort it for me.

So.. Now these few months have passed and i called them a couple of days ago, They advised they had spoken to the policy holder and that they have not been in any accidents.
I was so confused and explained that he admitted liability when the accident happened. The insurance explained that i could send in any photos or proof to try and help. I then questioned the name of the policy holder as i hadnt actually done that yet... and it turns out ITS NOT THE GUY THAT HIT ME!
I explain this to the insurance and they advise they will see if there are any named drivers on the policy and they will contact me soon.

The reg is correct, the make and model of the car is correct...
I dont know what to do, should i call the police? Should i go to his house?
I currently have over £1000s worth of damage to my car and i cant fix it...

OP posts:

KittysMyName · 01/08/2018 10:44

Hi OP, yes, call the Police. You should have called them at the time of the accident really. This guy sounds totally dodgy.

Hope you get it sorted.

SilverHairedCat · 01/08/2018 10:47

Yes call the police. Did you take photos of the two cars? I'd also take photos of the house, the road, the relevant driveway, and then knock the door of his mother and ask to confirm the details of her son. Don't tell her anything about the police, the duff details or the insurance company.

TheDarkPassenger · 01/08/2018 10:55

Ive had a similar situation tbh and I called the police. They sorted everything for me

SilverHairedCat · 01/08/2018 11:07

The police won't sort this - your insurance company will have to sort this out, however you do still need to report the fraudulent details being given to you. You also need to give your insurance company all the information you can so they can trace the real offender. Hence the suggestion to photograph as much as you can. Obviously, don't make a big show of it to the mother!

Original poster

happystarfish · 01/08/2018 11:24

Update:
Just called the company again and they said none of the details I have been given match up with the policy ... I’m honestly lost

OP posts:

AtomicGlitterBomb · 01/08/2018 11:29

Why are you chasing his insurance company?

Report to your own insurance company and let them do the chasing.

JellyBaby666 · 01/08/2018 11:31

Definitely this ^. Let your insurance company do the work! What a palaver. Can you get some legal advice from CAB perhaps?

CarrotandSwede · 01/08/2018 11:35

Why aren’t you calling your own insurance company? It’s their job to sort this.

dancingthroughthedark · 01/08/2018 11:35

Why are you talking to his Insurance company and not your own?

TokyoSushi · 01/08/2018 11:39

Yes! What do your insurance company say? They should be sorting this for you? I'm surprised that his insurance company are discussing his policy with you...??

picklepost · 01/08/2018 11:39

I wonder why his insurers did not advise you to call your own. Weird

QuestionableMouse · 01/08/2018 11:42

Agreeing that you need to give the details to your insurance company

I would also contact the police and ask for advice. He's probably already known to them and they might be able to clear up the confusion.

Mia1415 · 01/08/2018 11:44

You don't need to contact his insurance company at all.. Or the police. You claim through your insurance and they will sort it all out (chase if he has a policy etc etc).

Original poster

happystarfish · 01/08/2018 11:45

I should have added this- my insurance company said the only way they would deal with this is putting a claim in on my insurance which I do not want

OP posts:

Nicknacky · 01/08/2018 11:47

I think you need to let your insurance company deal with it. Why wouldn’t you if it were non fault?

HopefullyAnonymous · 01/08/2018 11:47

Lots of policies don’t increase your excess now if you’re hit by an uninsured driver. If he’s not insured I don’t see how you will recover the repair costs if you don’t go through your own insurer. The police can’t march him down to the cash machine and make him hand over the money.

dancingthroughthedark · 01/08/2018 11:55

I would have thought discussing all this with you must be a big breech of data protection. I think you need your own Insurance company to deal with it

barney11 · 01/08/2018 12:02

You really need to deal with this via your own insurers. I understand you don't want to risk losing your no claims bonus or paying an excess, but a) it's causing you a lot of stress, b) it's taking far too long to resolve any other way c) even if you manage to get him to pay for repairs directly you are still not protected against another other damage that may have occurred that wasn't spotted on initial inspection, or if the repairs are not up to scratch you'd potentially have to go back to this man again d) once you set the ball rolling by dealing with this privately your insurance company will wash their hands of the issue and you'll be left to deal with any other potential issues on your own and e) if he's uninsured it will mean your insurance company can call the police, not you i.e you will not have to deal with him blaming you for notifying the police of his illegal behaviour!

pumpkinpie01 · 01/08/2018 12:04

Hi - I work in insurance claims so should be able to help. When his insurers are saying the details dont match up, which details do they mean ? The reg number or just the drivers? It does sound like he has insurance otherwise they would have said straight away we dont insure this vehicle. Your correct as in your insurers wont help unless you are claiming through them. Are you through a broker ? Do you have legal cover? If the vehicle is insured but the driver isnt the third party insurers will still have to pay out under the Road Traffic Act.

MorningCuppa · 01/08/2018 12:07

I would call your insurance company and the police, I wouldn't leave it any longer as it sounds like it's been a while already.

WombatStewForTea · 01/08/2018 12:08

Errr this is what your insurance is for. Stop fucking around and tell them. Although you've left it that long they may refuse your claim anyway as part of your terms and conditions

GreenTulips · 01/08/2018 12:14

You won't lose your bonus for a non fault claim

So put the claim in and let them deal with it - they are the experts in chasing the other insurance company or driver

Never go private ever

Quartz2208 · 01/08/2018 12:15

Im afraid it via your insurance - this mess has partly come about because you didnt in the first place

honeysucklejasmine · 01/08/2018 12:15

It's possible he's cloned the plates of a car of same type. So the details are going to the car that he's cloned, rather than him.

Travis1 · 01/08/2018 12:22

Phone your insurance company and hand it off to them to deal with and get your car fixed. There's no point dicking about trying to be nice. I'd also call the police but given you've left it so long I'm not sure you'll have much luck.

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