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Car Prang, car prang insurance dubious claim
tomtomtom
post Tue, 18 Dec 2018 - 15:52
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My wife confessed to me today that she had been in prang last Thursday, and now our insurance company have emailed saying: “We’ve been told that your vehicle was involved in an incident on 13 December 2018. At the moment we have the following information about the incident: Location Description: xxxxx. Your Vehicle: xxxx. We have tried to call you to clarify these allegations but we have been unable to reach you. We need you to call us on xxxxx. It is important that we speak to you urgently. If we don’t hear from you within the next 5 days and the information provided to us by the third party suggests the involvement of your vehicle, we will accept responsibility for the incident and settle any third party claim.”

She says they both stopped and checked their cars. His door was caved in but she had no damaged, and since he admitted it was his fault, she went on her way. Whilst she is sticking to her story, I have the tiniest nagging doubt, because we have been arguing a lot over our lack of money and I wonder if she’s defending from the huge cash impact of going from 20 years no claims bonus to zero. I therefore wonder if it was more 50-50, or indeed her fault completely, and she just drove off hoping he wouldn’t have time to take our registration number.

Questions:
(1) If we contact the insurance company to say ‘yes, she was involved, but it was the other guy’s fault’, what happens next – do they just decide it’s his word against hers and leave it at that, or is there a massive instigation?

(2) Suppose there is cctv that goes in his favour, does that mean she will be fined by the courts if her story is wildly different?

(3) If the case goes in his favour, which is cheapest/best method of paying for his damage: taking out a loan or doing it through the insurance and losing your no claims (if indeed you are allowed to choose?)

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andy_foster
post Mon, 7 Jan 2019 - 11:38
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QUOTE (tomtomtom @ Mon, 7 Jan 2019 - 11:12) *
Regarding this same incident, today we received a letter from the police saying the wife is alleged to have committed the following: Driving without due care and attention, Failing to stop, and failing to report a collision.
Questions:
1) I've read somewhere that they should have sent this with 14 days of the prang, is this true?
2) If this goes to court can you ask them to change the given date if it coincides with a holiday you have already paid for?
3) What sort of points/action will be given/taken if she is found guilty of driving without due care and attention? (or indeed the other two)
Thanks in advance.


Is there any reason why your wife can't post here first hand, rather than play chinese whispers with a version of events that you yourself doubt?

No requirement for a NIP if there was an accident.


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Andy

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post Mon, 7 Jan 2019 - 11:38
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The Rookie
post Mon, 7 Jan 2019 - 11:43
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1/ Not if an accident occurred (within the definition of the regulations) no - and it clearly did, in fact they never need to send one. It would be within 14 days of an alleged offence, but could never have to be within 14 days of a prang!
2/ Yes
3/ DWDCA starts at 3 points and goes up to 9 depending on the severity, as we know the outcome but not how it happened then its hard to say, the fine is likewise as flexible.

Clearly she didn't fail to stop.

I suspect this may just be the Police covering derriere and they will leave it to the insurers to sort it out, but the driver needs to be named, I would add a note that she did stop but having been assured by the other party they didn't want her details she left the scene.


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