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A Gender thing?
Last October my good lady wife was in a queue of traffic waiting for the lights to go green as there were roadworks ahead, there was approximately 30 or so cars in the queue, on a single carriageway.
When the lights eventually changed, the cars crawled forward and a car overtook about 10 cars and bullied his way in front of my wife, his timing was a bit off and consequently hit the front of her car, he didn’t stop and drove up the road.
My wife followed him and caught up, he eventually stopped and got out, his words “ well, these things happen don’t they” hardly covered the events.
He didn’t accept responsibility, and it wasn’t until we provided front and rear dash cam footage, plus a witness statement from the driver of the vehicle behind that he did.
We are still waiting for the £400 excess we had to pay on our insurance of our “non fault” claim, even though we have legal cover, what’s all that about?
2 weeks ago I go to my car parked round the corner ( parking is ugh on our estate) and find a note tucked under my windscreen from a lady.
It went something like this “ I’m really sorry but I was spray painting my gate and some has gone on your car, I will organise getting it cleaned off”
She left her phone number, and after a few messages it was sorted.
This morning on my wife’s journey to work, a bloke cut her up on a roundabout and smashed into her drivers door trying to pull in front of her, he drove off without stopping.
Cue stress , upset.
I was on the same route to work and saw her stopped in a lay-by , I stopped and managed to calm her down, the door was so badly buckled it wouldn’t open.
Luckily enough the dash cam footage shows the make and registration of the car.
Here we go again…..
When the lights eventually changed, the cars crawled forward and a car overtook about 10 cars and bullied his way in front of my wife, his timing was a bit off and consequently hit the front of her car, he didn’t stop and drove up the road.
My wife followed him and caught up, he eventually stopped and got out, his words “ well, these things happen don’t they” hardly covered the events.
He didn’t accept responsibility, and it wasn’t until we provided front and rear dash cam footage, plus a witness statement from the driver of the vehicle behind that he did.
We are still waiting for the £400 excess we had to pay on our insurance of our “non fault” claim, even though we have legal cover, what’s all that about?
2 weeks ago I go to my car parked round the corner ( parking is ugh on our estate) and find a note tucked under my windscreen from a lady.
It went something like this “ I’m really sorry but I was spray painting my gate and some has gone on your car, I will organise getting it cleaned off”
She left her phone number, and after a few messages it was sorted.
This morning on my wife’s journey to work, a bloke cut her up on a roundabout and smashed into her drivers door trying to pull in front of her, he drove off without stopping.
Cue stress , upset.
I was on the same route to work and saw her stopped in a lay-by , I stopped and managed to calm her down, the door was so badly buckled it wouldn’t open.
Luckily enough the dash cam footage shows the make and registration of the car.
Here we go again…..
Comments
Failing to stop and failure to report an accident in the other driver's case (as soon as reasonably practicable, and in any case within 24 hours) when knew/should have known damage caused is (when taken together) fairly serious. Will often result in a Driving ban.
And it is not a "gender" thing.
It is a "git" thing.
My wife phoned the police this morning and informed them of the ‘incident’, told them she had dash cam footage and was asked to come to the station at 10am ( it was 7:10am at the time)
We obliged, took the footage on a memory card to the station.
On arrival the guy on the desk asked to see my wife’s driving license and insurance details, he made a log of them along with details of the offending cars number plate.
I asked if he would like the footage , he said no, he just makes a note on his system and passes it on to another team who may get in touch and ask for it as the insurance company deals with these type of incidents when nobody is injured.
We haven’t heard from the other team.
Couple of things to say here.
Firstly, and most importantly, what the police do or don't do in no way stops you getting your uninsured losses back. In simple terms, Criminal Law is the State punishing someone. Whereas Civil Law is where you recover your losses.
Some tips for anyone in this sort of position. Yes, a lot of Police will seek to take the easy way out. And, on many occasions that they do prosecute, they don't tell you. Because they may be wondering whether that car was stolen or uninsured.
Ultimately, it's not the be all and end all whether that guy is prosecuted. But I am one of those people that, if someone frightens my Wife, I like to get even. I suspect the time for the Criminal side may have passed. But in future, you/your wife should say things like-
1. I see you are insisting on checking whether I am insured. Quite right, too. Am I right in assuming that you will be doing the same to the hit and run driver?
2. Could I have your collar number, please? Or, if you are a Civilian working for the police, exactly who I should be directing my complaint to. Because if you have better things to do than deal with Criminal offences, I fully intend to ensure you spend a greater amount of time and energy dealing with the consequences of not being bothered to investigate crime
3. Never say your wife was not injured. These days you can hardly ever see a Doctor the same day anyway. Say your wife was extremely shaken up and, while you do not believe bones have been broken, the full extent of her injuries are as yet unascertained. She will be seeking medical advice as soon as practicable.
Hope your wife is OK
Phil
I have rang the police a couple of times for updates, primarily to see if they have identified the driver so I can inform my insurance company to ask (pay for) the police report.
I was told they have sent the owner of the car a letter asking for details of the driver, there was no response, so they give them 3 weeks to reply, then send another letter.
As they got no response from the second letter, it gets “ passed on to another team” who will prosecute, the owner gets 6 points on licence and a fine.
I asked if they had considered doing a welfare check on the owner, apparently they don’t have the resources.
The insurers of the offending vehicle have been in touch with mine and said there’s no male on the cars policy, so can we prove who was driving? Erm, no mate, they didn’t stop.
I asked my insurers if anyone could do a welfare check on the owner of the vehicle, and got a kinda “ not my job mate” answer.
Funny old system.
The Insurer needs to be reminded that:
1. There is clear evidence that it is their insured's vehicle that caused the damage
2. That they should confirm whether or not their Insured informed the Police that her car had been stolen, whether before or after the accident, and, if not, whether the Insurer has (they won't, but always fun to see them squirm)
3. That they confirm that they will be compensating you for your uninsured losses (excess, any injury, loss of use of car or hire charges etc)
4. That they confirm that, if they are refusing to believe that their Insured caused you loss, that they will in any event be paying you the exact same compensation, as presumably they accept that they are the "insurer concerned" under the relevant MIB Agreement
5. You would remind them that, if 2 above has not happened, it is reasonable to assume that their Insured knows fine well who was driving their car. Please confirm that this is an act of an insured or uninsured driver, as opposed to an untraced driver
Finally, check your motor policy. You may have an Uninsured Loss Recovery service as part of your wife's motor insurance