To think the person that hit my car should pay for it?

[BunnyMum2000]

I don't understand car insurance - I'll start with that.

So my car was parked - and hit by a van - who just drove off!
Luckily it was outside my house so I have clear CCTV of it.

I only had third party party insurance (I now know that was silly)

Anyway - I contacted my insurance to notify them. I couldn't claim with them, but they were very helpful and passed me onto Enterprise (the rental company) who said they would pursue a claim against the van divers insurance.

I've just chased them up, (Its been a month), and they've said that they contacted his insurance company - but they haven't responded, so its now "out of their timeframe"

So .. he just gets way with it? :-(

Now that you've cleared up Enterprise's involvement (I was thinking a hire van too) it sounds like it's best they aren't going to handle for you. You aren't out of time to make a claim against the driver, Enterprise's probably just have one go at getting a quick answer before giving up because none of your insurer's money is at stake. Follow the links posters have added to identify the driver and insurer. I don't think the police will just hand over these details. Then promptly write a letter of claim referring to any evidence (police report number etc) and inviting inspection of the damage to your car by x date before it is repaired. By all means send photos with the letter. The insurer should deal and you can start an online court claim if they don't. You need to claim against the driver rather than the insurer (subrogation). The insurer won't (or is unlikely to) arrange to repair directly but will consider quotes you obtain. If all goes well they may promptly make an acceptable settlement payment so you get the money before you have to pay for repairs. But it can take ages and you may have to repair first and settle later. Sorry for lack of paragraphs- stupid phone.

OP just occurred to me because you got Third party insurance it indicates your car is old?

If so find out how much an exact replacement of your car would cost using reputable car sites e.g. exchange and mart and take screenshots.

His insurer may argue that instead of paying you the cost of the repairs they will pay you the cost of getting an exact replacement as it is cheaper.

@honeylulu , thank you, that's really helpful x

We do live in such a scummy society. People and companies wriggle out of anything and everything possible.

Someone recently drove into our car, completely their fault and caught on camera. Yet they still told their insurer that they were stationary and that we drove into them.

You have CCTV so once you have his insurer and they view that, they have no excuse not to pay up. They still may try to avoid it though.

Enterprise is also a credit hire company
And they are RUBBISH. All they are is after money. All insurance companies that deal with their own claims hate them.

5 years ago, a car hit my parked car. No witness but they accepted liability. I contacted the insurance who passed me straight to Enterprise. They told me I had to take my car to a repair place 1/2h away when there are about 20 in my bigger town. That place gave me a quote that seemed extremely excessive and told me that any issue, it was my problem and fir me to deal in court. I refused to sign any such papers. They were extremely rude about it.

In the end, I called the person's own insurance directly. Got a quote at my local repair place that was 1/2 that quoted by the other place and the insurance agree to deal with them and pay them directly so I had nothing to do.

Enterprise then kept calling me about hiring expensive cars even though I told them I didn't need to, and kept on about using their legal services when again there was no need.

I vowed after that to never get car insurance with those insurance company which only sell you a policy but doesn't deal with any of your claim.

Entreprise and the likes are the reason why fees are going up so much.

Call the other party insurance directly and avoid Enterprise at all cost.

The rental company thing is a real pain in the arse. We've had that. But usually it's when you hire a car.

I'd go back to your insurance company and tell them you don't need a rental company so they must please track this guy down. I can assure you that, assuming he is insured, if you have his registration they can track down not only th owner, but who he is insured by.

No it is nothing to do with her insurance company, she only has third party cover, so they do not need to get involved with this claim because it is a claim for damages to her vehicle not to a third party.

This is why they have passed her onto Enterprise, they are being kind as they don’t need to help. Enterprise as well as running a vehicle rental business, are a claim management company so rather than OP chase up the other drivers insurance, they can provide this service. However from the first post, it sounds like they tried and have given up and don’t want to provide their claim management service anymore. As such, OP needs to go this alone, if she can get insurance details from the police then she needs to contact the other drivers insurance herself.

I hope you've changed your insurance from 3rd it barely covers anything these days. Good luck getting sorted out tho.

See my post above. It is nothing to do with her insurance company, they don’t need to do anything as she doesn’t have any cover with them with respect to damages to her own vehicle.

They are not putting her onto Enterprise in their capacity as a vehicle hire provider but because they can offer claim management services.

You’re confusing the two issues. Being third party only has relevance if you cause an accident and damage someone else’s vehicle. It means that the insurance will pay to repair the other persons car but not yours.

even if the lady had fully comprehensive, it wouldn’t make any difference to what’s going on

the person who caused the accident is the person who’s insurance is claimed against. And even if they are 3rd party only, you are the 3rd party and the insurance pays to repair your car but not the other car.

you only involve your own insurance is there is a dispute about fault, or you are at fault and are being claimed against or it’s 50/50z you do have to notify your insurance even if you’re not at fault, but you don’t make a claim against your own policy.

I have!

I don't need this hassle again :-(

My insurance was up for renewal about a week after the incident - so now I've gone fully comp .. which crazily, was actually cheaper than third party!

I got a letter from the police about it, with a reference number and contact details, so I have just emailed them and ask for his insurance information .. so fingers crossed

@BunnyMum2000 your insurers, or indeed enterprise will have access to his insurance details via the MID feed. I'd ask them as the information will he accurate.

I phoned my insurance this afternoon and they just said “UKI” … which I looked up and they seem to be the underwriters for several different companies …. So I think I’m going to have to contact them all?

There should be a contact phone number/address/policy number on the MID!

The MID (which has already been linked to) will let you know which branch of EUI and the policy number. You're better off calling than writing. And you may want to see if AX or similar will deal with your vehicle.

Damn autocorrect. *UKI.

This

If someone damages your car and is at fault then their insurance pay

Yes but you personally have to chase, your insurance company doesn't get involved when it is 3rd party!

I think you have dodged a bullet getting rid of enterprise - there is no reason you can't claim direct from his insurance company, I have done that when someone hit me while stationery in a car park, easy and less faff than a paper pushing middle man charging a fortune for pushing the paper.

Really I think your insurance company should be helping you out, however if they are being a pain and you don't fancy chasing this yourself there are companies out there that'll do the leg work for you, with the video you have you shouldn't have too much trouble getting them to take the case on .

https://www.citizensadvice.org.uk/consumer/insurance/insurance/types-of-insurance/vehicle-insurance/vehicle-insurance-if-the-accident-wasn-t-your-fault/

You need to be fully insured not third party insured though. Then your insurance pays you then claims the money back from the third party's insurer

Actually slight correction often your insurer claims from third party insurer then pays youm either way you still need to be fully insured yourself

Adding... It is possible op, without involving her own insurer, do the leg work of claiming back from his insurer herself.

It's such a maze for what we pay!