Car crash not my fault

[Shibby585]

Just wondering people's thoughts on this. Been driving for 15 years, 12 years no claims on my own policy. Was hit by a young driver from behind as I was waiting to pull off at the roundabout, she was really upset and I said its OK. I got her to pull over, told her to put hazards on and checked our cars.

There was more damage to hers than mine, I have some scuffs and some paint mark. I told her again not to worry and asked for insurance details, she said she didn't know them. She was upset so I also spoke to her dad and said there was only a bit of damage and we were both OK. I told them. I had the car in for a service the next day so would get it checked for safety. Dad also apparently did not know insurance details.

Got the girls number went home and messaged all my details, again she apologised and said if there were any repairs she would pay. I said that's fine I probably just need a new car seat it's probably not worth repair.

I asked again for details to cover myself in case of injury or something turned up wrong with the car she again refused. Then her dad got involved and started messaging saying he didn't have to provide details and they would pay for the car seat. I said if I didn't get them I would notify insurance and police. He said he's already made a police report.

I had to take the day off work and had to take it today, so I've been and got checked I have whiplash. In the end I got sick and rang my insurance and have asked them to deal with it all.

I feel really bad as her insurance will go up and the damage wasn't major, but I got sick of asking and I am actually injured and there is damage to my car. Am I the asshole here?

@MissMaple82 girl goes into back of me, I console her and speak to her dad. She fails to provide any details to prove she is insured on car she was driving at the scene. I being nice say don't worry get them to me when home. Girl fails to provide any details and gets shirty when I ask for them. Father gets involved multiple times, saying by law they don't have to provide any details and said they have reported the incident to the police.

At that point I still have no proof said person is insured on the vehicle I know the vehicle is insured as I checked but it doesn't tell you who is on insurance policy. I don't have any details other than the girls first name and number.

What if said girl was uninsured and carried on driving and hit another person. I was left with no choice when her dad said he had "contacted the police". You can't exactly put no I haven't been in an accident in 5 years when there's a police report so shot themselves in the foot there.

I don't know who you are missmaisie but my father worked for the dept of transport, he attended numerous fatal accidents. When we were going to buy the car seat for our dd he insisted we buy the best on the market no matter the cost (it was his gift to us) and replace it if there was any risk. If there is even the slightest risk that op seat is damaged then op is doing the safest thing. As my dad is fond of saying, you're only as safe as the worst driver on the road so take every precaution.

Miss maple82 not. Miss maise

Due to the 2021 Whiplash reforms you won't recover very much in compensation for whiplash, and a solicitor won't take the case for you, you'll need to pursue it yourself. Of the injury lasts less that 3 months, you'll get less than £250 in compensation.

Still, your car should be repaired at no cost to you, as her insurer should pay. Plus the car seats costs, so perfectly reasonable to report it to your insurer, and if her insurer pays all the costs, you shouldn't lose you No Claims Bonus, and any increase in future premium to you will be minimal.

She/her dad shouldn't have messed you about with the insurance details.

@PearPickingPorky

Due to the 2021 Whiplash reforms you won't recover very much in compensation for whiplash, and a solicitor won't take the case for you, you'll need to pursue it yourself. Of the injury lasts less that 3 months, you'll get less than £250 in compensation.

Still, your car should be repaired at no cost to you, as her insurer should pay. Plus the car seats costs, so perfectly reasonable to report it to your insurer, and if her insurer pays all the costs, you shouldn't lose you No Claims Bonus, and any increase in future premium to you will be minimal.

She/her dad shouldn't have messed you about with the insurance details.

I had a sore shoulder and got £1000 compensation without having a medical report. I was told I could have got more had i gone through the whole process. I don’t think the OP will necessarily be limited to £250.

Exasperatedhousehunter New rules apply since 31st May 2021.

Damages awards are now significantly reduced from what they used to be.

Of course yanbu

@MintyGreenDream

She's clearly not insured,she was driving her sisters car.The sister will probably pretend it was her driving.

Not necessarily. It could be her sister's car and the girl in the accident could be a registered driver. When I first learnt to drive, my sister (2 years' older) and I shared a car. She was the registered owner / keeper and the main policy was in her name, with me as a named driver. Perfectly legal.

What if said girl was uninsured and carried on driving and hit another person. I was left with no choice when her dad said he had "contacted the police". You can't exactly put no I haven't been in an accident in 5 years when there's a police report so shot themselves in the foot there.

You only have his word that he told the police. In the circumstances it seems unlikely.
My best guess is that the car is insured only in the father's name

[quote Shibby585]@Itloggedmeoutagain I spoke to the car seat company any accident however minor they recommend immediate replacement if car seat as although the car seat may look fine there may actually be damage to it. I contacted them direct and was simply following their instructions of replacing.

@Neron my premiums will go up slightly compared to hers, I also wasn't intending on putting in a whiplash claim, I've been advised to contact solicitors to put in a personal claim but haven't done so yet.[/quote]
I didn't realise you meant child seat I was wondering how you could have damaged the driver or passenger seat!
You'll now be hounded by personal injury companies they won't give in

@LondonQueen

You should definitely make a police report, it's against the law to leave the scene of an accident without providing your insurance details. Dare I suggest she doesn't actually have insurance?

It isn’t against the law not to provide insurance details. You only have to give contact information. Why do people with no knowledge of the actual law make these claims?

@Shibby585

Yup all reported to police did a report online and my insurance seem to think she has insurance. But apparently the insurance is her sisters, the message I received (from the dad) was once - - - sister provides insurance details we will pass it over. Obviously this never materialised I asked 3 times (this was initially just to prove she had insurance). I've only got the name she gave me so it could have been her sisters name they gave me for all I know.

Anyway it's all with insurance now, I blocked her number as its given me anxiety and I'm not feeling well enough to deal with it. I've now started getting calls from private number and mobile number I don't recognise so I've just ignored them, have a feeling either her dad is trying to get in touch or she is by another number.

Sounds very dodgy!