Can i claim if it's my fault?

jason12211

I'll answer this for you in the most relevant parts.
Under Section 143 of the 1988 Road Traffic Act it is an offence not to disclose details of your policy when asked to do so when legally obliged. If you are both involved in an incident you are both obliged by law to exchange each others insurance details at the scene. The law places no other obligations on you such as to make a admittance of liability etc, which is commonly thought.

If you want to get his details speak to your own insurer, give the registration of the other vehicle along with the date of the incident and ask your own insurer to do a M.I.D. check on it.
The MID is a motor insurers database that will list the vast majority of all insured vehicles in the UK including those on fleet policies.
Generally people that get all overly defensive about insurance constantly are not insured at all.

You are entitled to claim against your own insurance providing that the person that was driving is named on your own certificate and you have fully comprehensive cover. If the driver was driving on there own certificate "Driving other vehicles" entitlement this means the damage to your own vehicle would not be covered just to the other persons vehicle.

Personally I would say that your better off relating this to your own insurer, you'd be amazed how many uninsured people back down from making a claim when they get busted for not being insured. ;)

lozzielaws

of coure you can claim - on your own insurance, as its your fault. if the other guy isnt interested, dont worry. You should really exchange details, but if he is not at fault, and doesnt want to, theres no problem with it.

What I would suggest you do, is pop into a police station and give them your car details and details of the accident, just so they have it on record. Just in case the guy tries to make a claim against you in the future. He may try and say that you left the scene of the accident without stopping or something.

People think theres no damage, dont bother to exchange details then a week or so later realise there is a bump or scratch they want repaired, obviously dont want to pay for it themselves, so they give the police your details and claim you didnt stop at the accident.

Ive known it happen. I worked in insurance claims for 15 years.
Just do it to cover your own backside.

xx

candyfloss

As long as you have his registration number the insurance can trace him,if hes claiming or not the insurance company must be contacted by law.If you have full comprehensive insurance you can claim for your damage otherwise you cannot.

notaclue

That's why in drivers ed they always told you "CALL A COP" when you are involved in an accident for your protection and the other party (s) involved! Not everyone is on the up and up so therefore you have to keep the playing field level to the best of your ability! Next time call a COP!!!!!!!! This time you may be holding the bag!

a1ways_de1_lorri_2004

sorry but if your wife admitted liability then the other car driver is quite within his rights to claim against your insurance. but your insurance company will have to battle it out in court . you cannot claim against your own insurance if this is to repair your own car .
firstly if there were any in dependant witness to the accident the insurance company will need to be informed of there details .other than that the police will not deal with any minor road accident its the responsibility of both drivers to exchange details at the time of the accident . if the other driver delayed in giving you his details then that may go against him in court .your wife will be asked to draw a diagram of the accident make sure this is as accurate as possible, also inform your insurance company of his refusal to supply you with his own details of insurance . but call your one company as soon as possible to inform them of a possible claim they will obtain his details and serve a court order to his insurance company to make an appearance in court .
then leave it up to the insurance comapnies to battle it out unless you are called to court for a statment appearance .it may be he didnt give you details as he may not have been insured at the time and date of accident but your insurance comapy will be able to access all of his details and find any flaws etc .

CowboyBill

Make a claim with your company and provide ALL details and information. Simple, and it covers your @ss.

kam_1261

Hey, if he is willing to forget about the accident, let it go. Sometimes another driver might have something he wants hidden and expects nothing as compensation. You are looking for trouble where no trouble appears to exist. If you feel the need to drive the bus over yourself, just report the accident to your insurance company. Why claim it was her fault though? At any rate, reporting it will cover you completely. It's that simple.

sn0ttyang3l

Yes you are well within your rights to ask for his details. If you have asked and he doesn't want to give them to you it may be that he isn't actually insured himself. If you are fully comprehensive your car will be dealt with. Your best bet is to contact your insurance company with all the details you have and they will be able to do the rest and find out his insurance details and settle your claim.

Freq, Grandparent of Y!A

it varies from state to state... You should claim on your inusure since it was your fault

little weed

You can't claim off the other person's insurance because you are at fault but they have the right to claim from your insurance. If you decide to claim for your own damage from your own insurance then remember you will have to pay the excess on your policy, you may lose your no claims bonus (unless it is protected ) and when you make a claim your premium will rise next renewal.If your damage isn't too severe then you would be advised not to make a claim.

stewiegriffin4president

If it was considered your fault, your insurance will pay for damages to your vehicle and the other party's vehicle, unless you have some way of proving you didn't cause the damage to the other person's vehicle (which is unlikely since you didn't get a police report).

You can file a claim to have your vehicle fixed, but it will be filed on your insurance (not theirs) and your deductibles will apply. The other driver should give their information, but they don't necessarily have to. Get your agent involved if the other party won't cooperate.

Contact your agent for further assistance.

iwalker500

don,t let women drive it works out a lot cheaper,

Corn_Flake

If it's your fault, leave that person alone. If it's your fault, you should be lucky that he/she's not trying to claim on your insurance. Since you were at fault, you have to claim on your own insurance.

Chris

It's the right thing to do to exchange information, but as far as getting his insurance info, there's really no point. He was not at fault, and he's probably concerned that your wife will change her story and try to make a claim with his insurance. Turn this over to your company and if they need to know his insurance info for some reason they will follow up with him about that. Let them see his car and do an appraisal so they can be sure the damage he's claiming is related to your accident. It will be ok, that's what you pay your premium for.

daddybear

If your wife has comprehensive insurance she can have the car repaired by using her own insurance. Stop chasing the other guy, just give the Insurance Company his details eg phone No and address if you have it. They are not interested in him unless he makes a claim.

mbrcatz

Well, you can ASK, but he doesn't have to answer. If you all agree your wife is at fault, then I don't see the point in having the other guy's information.

The only company you can claim against, if everyone agrees she's at fault, is your own.

Enter Your Message or Comment

User Name:
User Email:
Post a comment: