Insurance advice... Where do i stand ?

[supra joe]

Hi chaps.. Could do with some advice

 

I was on my way to work last night when I was crossing a roundabout in the right hand lane.

There was a corsa in the left hand lane indicating to pull on to the motorway and an Astra behind that. I began to indicate to pull over in to the left hand lane as it was clear and I was in the right lane. [ATTACH=CONFIG]215338[/ATTACH]Got half way across and this astra came past at about 40mph plus cutting me off and damaging his car and mine. (More damage to his) he tried to drive off and I managed to get infront to cut him off.

I managed to get out of the car and as I did 2 males emerged and got aggressive immediately started swinging punches...

As I was dealing with one the other ran to the car for his wheel brace and spent a good few minutes trying to hit me with it as his mate tried too. I took a hit to the hand and side of the head but managed to subdue him as best I could being two of them. I jury's aren't too bad.. Some bruising and swelling.

 

Anyway as I had the driver his mate came in swinging to which I left go and had to focus on both of them again.

The passenger ren around the car and tried to drive off..

I managed to reach through the car and grab the ignition keys as he was trying to pull out.

Couldn't get the keys even after trying to bend his arm and get them. The driver then went to my car and tried to take it so I chased him and his mate ran off leaving their own car...

 

Whit eases called the police and gave statements saying these guys came out swinging with the wheel brace and I was like a cat and she didn't know how I managed to avoid most of these hits lol.

 

Another asian male came along and helped me big time by giving me their names

Police have traced the owner of the car and the car is insured... But not to the lads driving it

 

As its their mother she is claiming she didn't give him permission to drive it but will not report him for twoc.

Both lads are now currently on the run, even their mother claims they are in Leeds... Which they are not.

 

Just wondering if anyone knows where I would stand with making a claim ?!

 

Many thanks.

[supra joe]

[ATTACH=CONFIG]215339[/ATTACH][ATTACH=CONFIG]215340[/ATTACH][ATTACH=CONFIG]215341[/ATTACH][ATTACH=CONFIG]215342[/ATTACH][ATTACH=CONFIG]215343[/ATTACH][ATTACH=CONFIG]215344[/ATTACH]

 

- - - Updated - - -

 

Couldn't tell you why the pics have loaded on their sides. As you can see his wheels are ready to pull out.

[Dnk]

Contact your insurance company is my advice

[Digsy]

As above just let the police and insurance handle it. They'll be up for driving wihout insurance and leaving the scene of an accident, not to mention assault, even if their mother won't report them for taking without consent.

[JasonR24]

Well if the police are any good at their jobs they will know that there's 2 choices. The mother let them take it in which case she is liable or that she didn't allow them to which means they will get prosecuted. It doesn't matter if she reports them or not. The police should know the law.

[ozz]

I hope you are pressing charges, that sounds pretty horrific!

[supra joe]

Turns out the driver wasn't insured... His mam was but he wasn't. I rang a solicitor and they weren't interested in taking it on (Winn solicitors) even though they obviously sped up to cut me off when I was changing lanes. (Clear or not) so since she was the only one insured and he wasn't and he took the car without concent... Does that mean she can't claim against me because she wasn't involved ?? Ive been told im pretty screwed for claiming against him because he wasn't insured, hence why ive never reported it. It's sounding like it's just not worth the hassle ( my premiums go up and he gets away with it ) to make things worse I got an email through and I have to go back to the police station. No doubt he's claiming some other BS happened and that's why he ran etc. I'm just glad I have randoms witness the event.[ATTACH=CONFIG]215360[/ATTACH]

[el_bandido]

Are you not obliged to tell your insurance company anyway?

[Dnk]

Found this on WHICH consumer rights

 

Inform your insurer of accident

 

However, you do have to inform your insurer if you've been in an accident. You should send your insurer a letter telling them what's happened.

 

But make it crystal clear that this is for ‘information only’ and that you don’t wish to make a claim.

 

This should ensure your insurer doesn’t settle with the other party's insurer] without your knowledge.

 

Even if there was no personal injury involved, if someone holds you responsible for the accident they have the right to request your insurance details.

 

This request can be made later and not necessarily at the time of the accident. A failure to provide your insurance details without a reasonable excuse is also an offence. A reasonable excuse would constitute having suffered an injury at the time of accident.

 

It will also be a condition of your insurance policy that you report the accident to your insurance company within a reasonable time, even if you don’t want to claim yourself.

 

What is considered a reasonable amount of time differs between policies. You should check the terms and conditions of your policy, but if it doesn't state the timeframe, try to do it as soon as possible.

 

A failure to do so can give your insurance company the right to refuse to cover you in the future.