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help minor bump
http://www.taxi-driver.co.uk/phpBB2/viewtopic.php?f=1&t=25288		 Page 1 of 2
Author:  tangarinearmy [ Sun Oct 12, 2014 10:53 pm ]
Post subject:  help minor bump
with another private hire vehicle he was on main road pulling away from a pub and i was dropping offas i pulled in he reversed back and we clipped my back right with his back left.

i have it on film plus i have insurannce smart witness camera.

no damage to mine very minor to his i think may only be scuff marks.

how do i proceed

do i call my insurance or do i see what the owner of vehicle involved wants to do
Author:  tangarinearmy [ Sun Oct 12, 2014 10:54 pm ]
Post subject:  Re: help minor bump
my insurance smart witness camera only has so long before it records over it so im under a bit of pressure.
Author:  roythebus [ Sun Oct 12, 2014 11:29 pm ]
Post subject:  Re: help minor bump
Report it to the insurance, let them deal with it.
Author:  Skull [ Mon Oct 13, 2014 1:14 am ]
Post subject:  Re: help minor bump
roythebus wrote:
Report it to the insurance, let them deal with it.


Bollocks, tap the guy for the few quid for the minor repair. :-|
Author:  Sussex [ Mon Oct 13, 2014 8:14 am ]
Post subject:  Re: help minor bump
tangarinearmy wrote:
my insurance smart witness camera only has so long before it records over it so im under a bit of pressure.

Download the CCTV straight away. If you need it then so be it, but if you haven't downloaded it it ain't worth a toss.
Author:  Nidge2 [ Mon Oct 13, 2014 8:15 am ]
Post subject:  Re: help minor bump
tangarinearmy wrote:
my insurance smart witness camera only has so long before it records over it so im under a bit of pressure.



Get a bigger memory card.
Author:  x-ray [ Mon Oct 13, 2014 11:23 am ]
Post subject:  Re: help minor bump
Report it to your insurance but tell them it is for "information purposes only" it will NOT affect your no claims and if he decides to make a claim at a later date you will be covered. Most insurance companies have a 14 day rule about informing them. If you tell them after this date , they can refuse to cover you although they will cover the other drivers claim should it be successful.
Author:  tangarinearmy [ Mon Oct 13, 2014 11:33 am ]
Post subject:  Re: help minor bump
my insurance smart witness camera is locked so i cant get into it.
Author:  Nidge2 [ Mon Oct 13, 2014 1:43 pm ]
Post subject:  Re: help minor bump
tangarinearmy wrote:
my insurance smart witness camera is locked so i cant get into it.


Does it not have a Save Frame button where the file can't be written over?
Author:  Cabby John 1 [ Mon Oct 13, 2014 1:52 pm ]
Post subject:  Re: help minor bump
x-ray wrote:
Report it to your insurance but tell them it is for "information purposes only" it will NOT affect your no claims and if he decides to make a claim at a later date you will be covered. Most insurance companies have a 14 day rule about informing them. If you tell them after this date , they can refuse to cover you although they will cover the other drivers claim should it be successful.


I am in a no damage no claim situation having reported a (police verified) non fault accident. The Ins companies look for the slightest reason to take your no claims bonus away in order to hike your renewal back up. There is history on the net whereby companies have tried this tactic........only to back down, unfortunately I am fighting a company that are not voluntarily doing the right thing. So I guess it really can affect your No Claims.
Author:  x-ray [ Mon Oct 13, 2014 3:01 pm ]
Post subject:  Re: help minor bump
I've always been told it doesn't, and in my case I have informed them twice of incidents, (one was when another driver pulled off a rank as I was passing him and he hit me, the other when a passing mini-bus broke my mirror glass while I was parked up, he tried to say I opened door before eventually paying me £30 for a new mirror glass.) in both cases it never affected my insurance.
The problem is, if you don't inform them and a subsequent claim is made against you, you could be in trouble. If you can get a cash settlement off the other party (or even better a cheque and something in writing that is probably best.
Author:  Cabby John 1 [ Mon Oct 13, 2014 3:20 pm ]
Post subject:  Re: help minor bump
http://www.google.com/url?sa=t&rct=j&q= ... WU&cad=rja

Quote:
The problem is, if you don't inform them and a subsequent claim is made against you, you could be in trouble.


I agree with you........but then there is the above.
Author:  x-ray [ Mon Oct 13, 2014 4:43 pm ]
Post subject:  Re: help minor bump
The phrase " Damned if we do, Damned if we don't " springs to mind.
Author:  wannabeeahack [ Mon Oct 13, 2014 5:44 pm ]
Post subject:  Re: help minor bump
A truck swiped me Oct 2010 causing rear wheel arch damage, driver crossed lanes, no indication on an island, denied it was his fault

i reported it, got quotes (£1200) then worked out my NCB over the 4 years id take to rebuild it would cost me £2400 so i paid £350 cash for quick fix


then the truck owner tried to claim off me via a claims company, so then i had to try claiming off him, then we both agreed NOT to claim, however in the december my renewal came up and my NCB got suspended till it was sorted, which it was in the April (id paid £700 more than id have had to) and i got that back in the July
Author:  Sussex [ Mon Oct 13, 2014 7:20 pm ]
Post subject:  Re: help minor bump
tangarinearmy wrote:
my insurance smart witness camera is locked so i cant get into it.

Surely if you unplug it, or take the fuse out, it will stop recording.
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