Woman hit my car and now trying to cover it up

[Sugarpuffz1989]

I need some advice because I'm so worried!
So someone reversed into my stationery car in the private car park for my flats, they drove off initially and I seen it on CCTV and got in touch, they admitted it and we went through insurance, I have paid 550 excess and lost my no claims temporary so my insurance has doubled as it was at the time of renewal.

Fast forward to today, I have a hire car/courtesy car and a neighbour reversed into the hire car while I was sat in it. She immediately got put as was apologetic and she had put the towbar of the car she has through the grill of this 2021 audi I'd been using. She then left to pick her child up from school and didn't come back for ages, when she did finally come home she said she was a named driver and as soon as her husband gets home they will come over to gove details.

The next day I seen them getting into another car and asked them for the details and the husband got aggressive and called me a lier and said the towbar did not cause the damage as its too low.

So the evidence I have it CCTV but it skips at the point of impact so not sure how good that would be, I have two witnesses unrelated to me or the other family and also the cap of their towbar I later found wedged in the grill.

For a bit of context, this is a very large family who owns 2 large work vans and around 4 cars, they all came down and was intimating me and refused to give me any names or anything.

I have rang the police and I have reported it to insurance which has cost me another 550 insurance, but what I'm worried about now, is they have disposed of that car. It was an old BMW, I have the reg, but the day it happened they took it out of the carpark at around midnight which it un heard of since its used just for the school run by that woman. I think they altered the towbar height when they argued with me that morning but either way, two of the men from the large family got in it with a big tool box and drove away and it's been gone ever since.

I don't know if they have insurance or not or what's going to happen, but I'm loosing sleep, I'm stuck with this damaged audi, and I'm scared of the big family as I'm a single mum with 2 kids.

Has anyone been through someone like this with car insurance? Can they really cover this up and not pay? I can't afford to pay for it

[sweetbellyhigh]

I think you need to involve the police in insurance fraud.

And I don't understand why you had to pay the excess, your insurers should have covered that and retrieved it from the other party.

Or you could have claimed it back through the legal system.

[carefullycourageous]

Oh this sounds really stressful

I have little experience but did not want to leave you unanswered.

I think the important thing is that you are very clear what happened and you inform the police if there are threats.

Perhaps they don't have insurance?

Even if you had damaged the Audi yourself, doesn't your excess cover you? So money should not change now.

Try to write everything down in a factual, timed list. In the morning explain your worries to you insurance company and report any threats to the police.