al4x Posted December 19, 2015 Report Share Posted December 19, 2015 Not true, Bmw insurance is still liable to the third party. although they could sue the Bmw policy holder for the return of any money paid out, That's the same for all policies, just crack on and get a claim in and ignore what you have found out ref mot etc. Quote Link to comment Share on other sites More sharing options...
Bear1cat Posted December 21, 2015 Report Share Posted December 21, 2015 As said get the claim in asap. If the other car turns out to be uninsured contact the Motor Insurance Bureau. They will help to make a claim against the driver. Look them up. Quote Link to comment Share on other sites More sharing options...
Bear1cat Posted December 21, 2015 Report Share Posted December 21, 2015 I forgot to mention that a part of every car insurance premium you pay goes to the MIB for dealing with such situations. Quote Link to comment Share on other sites More sharing options...
rec-baller Posted December 21, 2015 Author Report Share Posted December 21, 2015 Update ,, The insurance have been in contact with f.i.l He has been given a hire car to get him over Xmas , the Astra is definetly being written off , he is just waiting now for a £ sum , to see what they offer , The insurance company has blamed the BMW driver , Regards & thanks for all the input Shaun Quote Link to comment Share on other sites More sharing options...
rec-baller Posted December 21, 2015 Author Report Share Posted December 21, 2015 Also , just ordered 2 dash cams from Currys elec , one for my mrs & one for the outlaws NEW car Quote Link to comment Share on other sites More sharing options...
Westley Posted December 21, 2015 Report Share Posted December 21, 2015 (edited) Get the police to the scene as soon as an accident happens, even if they admit liability at the scene they can change their mind once they think about it unless the police are there, you can write anything you want at the scene but surely it must be witnessed by someone independent who seen everything, my wife was in a crash a few years ago the man drove off, she got his reg number etc reported it to the police, took the police 3 month to follow up, when the police contacted the owner and told her they were coming to take paint samples the car was stolen and burnt out the day before, when the case went to court it turned out the car belonged to the mans wife, by this time the wife was fleeing violence so they couldn't chase him because there was to be no contact between the 2 and because it happened so long before police followed it up the woman could not say who was driving at the time so the case was thrown out, turns out the woman was a clerk for the court and she knew exactly how to play it, so my advice is to anyone is doesn't matter how minor get the police at the scene even if you have to say your injured, though they prob won't have time to respond because they are so under resourced, even though as we found out today they have time to do there xmas shopping in Smyths toy shop, in uniform but thats a different matter Perhaps that is because they have to deal with other more serious matters, whilst you are enjoying YOUR Christmas break ! Maybe you should complain to your FEO when he next visits Edited December 21, 2015 by Westley Quote Link to comment Share on other sites More sharing options...
Westley Posted December 21, 2015 Report Share Posted December 21, 2015 Surprised no one has mentioned it! Invest in a dash cam you can pick em up for £30 of eBay up to £200 and if you don't mind wires been shown just plug in. Good idea, just please use some common sense when fitting the thing. I was behind a car yesterday which had more gadgets stuck on the windscreen than I ever thought possible. Just another collision out looking for somewhere to happen ? Quote Link to comment Share on other sites More sharing options...
Vince Green Posted December 22, 2015 Report Share Posted December 22, 2015 Always get the police to the scene, say the other driver appears to have been drinking or that they are becoming abusive. Or that you have banged your head. So many drivers do a disappearing act after accidents these days. Basically all they have to do is deny the facts later and your insurance will roll over and charge it to your policy because they can't be bothered to persue it. Quote Link to comment Share on other sites More sharing options...
mrwabbits Posted December 22, 2015 Report Share Posted December 22, 2015 If it is a none injury road traffic collision , there is no requirement for Police to attend nor requirement to call them, unless there are specific accusations (ie: stated suspected drink drive - driver refuses to exchange details at scene - runs away from scene - threatening behavior .blah blah). . If there is damage only to vehicles or property or where a likely hood of person/s having a legitimate claim for damages then your : Legal requirements are to stop and exchange details if safe to do so - or - if feel vulnerable or not safe at scene then move to safer location & or report to Police station within 24 hours with details. . You are required to exchange : Name of driver, who owns the vehicle (registered keeper) if different from driver, Make/Model/colour/ and registration number. Contact details. additional information can be supplied to make things smoother and easier ie: name of insurer & policy number if known. . Probably advisable to phone the Police on the none urgent line to confirm incident and advise, thus covers you and you get an Incident number supplied. Insurance claim forms are long winded and they do ask if Services attended or not and if an Incident Number was created for that event.. . Please act responsibly and use resources appropriately. An act of `well i`ll get them out anyway' may jeopardize someone else`s life or safety. Quote Link to comment Share on other sites More sharing options...
Vince Green Posted December 22, 2015 Report Share Posted December 22, 2015 (edited) If it is a none injury road traffic collision , there is no requirement for Police to attend nor requirement to call them, unless there are specific accusations (ie: stated suspected drink drive - driver refuses to exchange details at scene - runs away from scene - threatening behavior .blah blah). . If there is damage only to vehicles or property or where a likely hood of person/s having a legitimate claim for damages then your : Legal requirements are to stop and exchange details if safe to do so - or - if feel vulnerable or not safe at scene then move to safer location & or report to Police station within 24 hours with details. . You are required to exchange : Name of driver, who owns the vehicle (registered keeper) if different from driver, Make/Model/colour/ and registration number. Contact details. additional information can be supplied to make things smoother and easier ie: name of insurer & policy number if known. . Probably advisable to phone the Police on the none urgent line to confirm incident and advise, thus covers you and you get an Incident number supplied. Insurance claim forms are long winded and they do ask if Services attended or not and if an Incident Number was created for that event.. . Please act responsibly and use resources appropriately. An act of `well i`ll get them out anyway' may jeopardize someone else`s life or safety. Thats easy to say and in an ideal world it would work that way. The number of dodgy drivers on the road means I would always get them out to get the driver checked out. Its not my fault the police are under resourced so why should I lose out? Anyway the law says anybody involved in a moving vehicle incident has to be breathalysed so there is a requirement for them to turn out and breathalyse both drivers. This "we don't come out to non injury accidents" is just an excuse that is gaining acceptance. Like"we don't come out to buglaries" its just shirking their responsibility. Edited December 22, 2015 by Vince Green Quote Link to comment Share on other sites More sharing options...
mrwabbits Posted December 23, 2015 Report Share Posted December 23, 2015 (edited) I think your getting confused with what the Law says : has to, and what the Law says : required to. A Police Constable can make a requirement that a person comply with a preliminary breath test if they reasonably suspect. . Your confusion may stem from this statement : The police can also make a requirement that a person comply with a preliminary breath test if they reasonably believe that the person was driving, attempting to drive or in charge of a vehicle at the time of an accident. It is not a `carte blanche ' Every driver has to be attended and blow the bag. Unless there is reasonable suspicion or a statement made denoting reasonable suspicion. .. So in short, it is a request from the Constable to provide , if he/she attends . It is not Law that they attend. . If you really want to get wrangled up with Laws and Acts , (ask a man who is a Son of James and await the reply ) Have a watch of this person - a man going as John- Son of David from the House of Burns : Edited December 23, 2015 by mrwabbits Quote Link to comment Share on other sites More sharing options...
Vince Green Posted December 23, 2015 Report Share Posted December 23, 2015 Its wrangling with words I know but there can be few RTAs in which there isn't a reasonable suspicion that at least one offence has been committed. The truth is its call screening at the call centre by people who are working to a tick box list of guidelines and very little to do with right and wrong. The trouble is the police don't realise how damaging to the their public image this attitude is. A minor bumper bender fair enough but they are now refusing to attend anything to which an ambulance has not been called. Like they won't come out to burglaries and cars being broken into any more. You just get told to report it online for which you get an automated message in reply. Very little suprise then that public confidence in the police is at an all time low. Quote Link to comment Share on other sites More sharing options...
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