Vehicle insurance (other persons fault)

No solution gillybob, hope you get it sorted x

I share your pain, this has happened to myself and also my daughter, both of us have lost our cars due to other drivers going into the back of us and our cars being made write offs. It ended us with us being out of pocket by several thousands as we didnt get back enough from our insurance companies to cover replacement cars!!!!

I think she was not insured and is hoping to get out of the problem by ignoring all contacts. She may well have ditched the phone and bought a new one.

You can check on whether the car was insured, and if it is who with through askmid.com/ It will cost £4 for one query

It is illegal to drive a car without the relevant documents so he police may be interested? Did you report it to them?

Sorry, Pamela - that's not so (for UK).

MOnica has given you good advice, gilly. I'm so sorry you have this to deal with too. I think the claims company should be chasing this, not you.

I have told the claims company what I think of them ( completely useless ) and spoken direct to insurers explaining that we are 5 days in and no further forward . Insurance is supposed to cover hire van but until she accepts liability they will not authorise it ( they need to know who will be paying ) it seems she is insured twice over (I did my own detective work ) as she started a new policy before old one had lapsed but has not reported the accident to either of them herself. Still not answering calls or texts from me or insurance. It looks like I will have to go to her house today/tonight as we are getting nowhere. Fed up with it all .

gillybob such a lot of stress. I really feel for you as i know just how you are feeling.

Gilly, I'm so sorry this has added to your troubles.
A work's lorry ran into me at traffic lights a few years ago. The driver got out and started swearing at me until a passer by intervened. The police were called and told him it was his fault.
By the time I got home from A&E, I had lots of missed phone calls from his insurers following over themselves offering a hire car, lawyer etc.
I politely declined and said I would go through my own insurance company.
Despite it being a no fault claim, my premium went up as, I was seen as a greater risk, now I had had an accident. . It was so unfair.
Would the police be able to offer any advice, as she is not co-operating?
I hope you get this resolved quickly, Gilly.

gillybob, sympathy from me, this kind of thing is stressful but it sounds as though its costing you hard earned cash as well.
I had a man drive into the back of my car a couple of years ago. we exchanged details, he'd driven out of the street he lived on and straight into the back of me so I was confident the address he gave me was correct. I took his car number and off we went. He then 'disappeared'. He wouldn't respond to my insurance company. I called at the house and was told he'd gone back to his country of origin. I went to the Police. They went round and within 24 hours his insurance company was responding to mine, job done.
I know the police are over stretched but it's worth a try.

You poor thing - you did not need this!

I was hopping mad last year when someone drove into us - a mad teenager who did not slow down on a country lane as he came towards us. I saved everyone's lives by my quick avoiding action, but he still bashed in the driver's side of my car. GC in the back who were thankfully unharmed. It finished up as "knock for knock" as there were no witnesses. So sickening that I (via my insurance company) had to share the blame - grrr!

I hope this gets sorted soon gilly.

Yes I hope its sorted soon Gilly insurance claims are made to sound easy until you actually come to do it. Good luck.
Marydoll unfortunately they are 'no claim' policies not 'no blame' . Frustrating I know.

Gilly can’t offer any advice, but wishing you well in your quest to chase her and her insurers. I think there is a good case for having dash cams. Can you get them for front and back?

Well this morning on my way to work I took a detour to the address she gave at the time of the crash (she wrote it herself on a piece of paper that she held while my employee photographed it) I asked for her by name and the woman who answered the door said "that is not me, it's my mum...or my sister..... " (who apparently share the same name) it turns out that the address given is not her address at all but her daughters/sisters. This is making me wonder was it really her driving the vehicle or was it the daughter? I would have to get my employee to identify the person who crashed into him. I am getting increasingly frustrated and angry at the insurance company for making me have to do this.

Def speak to Police in case she is driving uninsured. They will also check her phone to see if she was using it at the time of the accident.

When our car was shunted a couple of years ago, my DS had the presence of mind to use his mobile phone to record the driver admitting he had a few drinks too many and it was all his fault.
When his insurance company later tried to deny that he had admitted fault, we were able to prove otherwise and were able to get all our claims covered.
Sorry can’t help with your case but hopefully let others know... if you have your smartphone with you in any incident, whip it out and record any conversations!
Alternatively fix a dash cam which I’m thinking of getting!

DH rang the police for advice yesterday, apparently not a police matter 5 days after the incident when no-one was hurt. Told to seek advice from insurance company.

There is definitely insurance for that name and vehicle but not sure whether the person who had the crash is the same person who is insured (hope that makes sense).

Report to the police. They can easily check and this type of problem usually results in quick solution so they are pleased to be able to tick it off quickly,

A dash cam is useless in a rear end crash Littlegem but still very good in preventing fraudulent claims.

I would go to her house, but take someone with you to witness or record the conversation discreetly. You don't want to be accused later of shouting, harassment etc. She may decide that the technique of 'shouting and pointing' at you and accusing you of frightening her will deflect from what she has done - or failed to do. It is also illegal to have two policies on a car...this woman is in a bit of a mess and is likely hiding from the consequences.

It IS a police matter if the woman gave false details! Get onto the police again and ask to speak to someone of rank and not just the call-handler, who will be a civvie. It's always worthwhile taking a photo of the person and of the scene of the incident including all the visible damage. Good luck!

Some insurance companies are hopeless, and we all expect the worst when it comes to claiming.
When my husband had a stroke, while on holiday in Australia, I was dreading contacting AXA about it. I thought that they would come up with all sorts of reasons why he wasn't covered.
Instead, they were amazingly helpful. They rang me back on several occasions to see how he was, and to check if things were running smoothly. When he was well enough to fly home they sent out a nurse to accompany him back, and switched him to a first class ticket. Even my financial claim wasn't queried in any way, and quickly settled. Top marks to them!
It's a pity that your company is being so hopeless. This scenario surely can't be uncommon, and they should know how to deal with it quickly and efficiently. You must be so frustrated. Good luck. I hope you get sorted soon.

I did go to the house rosina but the lady there said the woman named does not live there. She said it was her mum or sister who live at a different address.

Apparently having 2 policies can happen if someone starts a new policy on say 1st of the month when the old one does not expire until say 2nd, 3rd etc. Which one of them will be prepared to take responsibility is anyone's guess but until she admits liability to either of them it seems we are stuck.

Every sympathy gillybob it's a regular thing when you run a business and the hassle, work and stress it causes. I may have missed this in one of the posts but have you tried contacting the insurance company/companies you found that she is with.