Hi all, quick bit of advice required!
yesterday whilst driving to the supermarket someone crashed into the back of us whilst stationary (in my wifes fiesta not in the rover) the damage isn't massive the car will need a new rear bumper, a little bit of straightening on the bootlid and a spot of paint) and we are ok so that's the most important thing.
However whilst we stopped and exchanged details, he was not sure who his insurance company was and said to call him later when he was at home and he would have the details... he has yet to stump up that information, in my view that means only one thing... hes also very keen to settle without going through his insurance company (likely because it doesn't exist!).
This presents me with two options:
-Continue through insurance, find he has non, our car insurance pays and then shafts us every year for the next 5 years as WE have cost the insurance company money. This is what happened when I was involved in a similar accident with uninsured lowlife scum and I had to take the pain every year on my premium... hence why im wary to go this route.
-Accept that he's not got insurance, get some money out of him privately and just fix the car, this seems to me to be the only way where we wont end up worse off from this incident, but it sort of works into the uninsured drivers favour
any advice people? whilst I don't want to let uninsured drivers get away with it, it appears the system works in their favour (I presume a small tap on the wrist and a pathetic fine that's less than a years insurance and they carry on...)
yesterday whilst driving to the supermarket someone crashed into the back of us whilst stationary (in my wifes fiesta not in the rover) the damage isn't massive the car will need a new rear bumper, a little bit of straightening on the bootlid and a spot of paint) and we are ok so that's the most important thing.
However whilst we stopped and exchanged details, he was not sure who his insurance company was and said to call him later when he was at home and he would have the details... he has yet to stump up that information, in my view that means only one thing... hes also very keen to settle without going through his insurance company (likely because it doesn't exist!).
This presents me with two options:
-Continue through insurance, find he has non, our car insurance pays and then shafts us every year for the next 5 years as WE have cost the insurance company money. This is what happened when I was involved in a similar accident with uninsured lowlife scum and I had to take the pain every year on my premium... hence why im wary to go this route.
-Accept that he's not got insurance, get some money out of him privately and just fix the car, this seems to me to be the only way where we wont end up worse off from this incident, but it sort of works into the uninsured drivers favour
any advice people? whilst I don't want to let uninsured drivers get away with it, it appears the system works in their favour (I presume a small tap on the wrist and a pathetic fine that's less than a years insurance and they carry on...)