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Discussion Starter · #1 ·
Another bump, someone went into the back of me whilst parked in work don’t know who it was and CCTV has a blind spot really pissed off trying to get the dashcam footage at the moment.

Always declare its scummy if you don’t.

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Another bump, someone went into the back of me whilst parked in work don’t know who it was and CCTV has a blind spot really pissed off trying to get the dashcam footage at the moment.

Always declare its scummy if you don’t.

View attachment 7957
View attachment 7958
Yes it can be very annoying when it happens, this once happened to me once whilst my car was parked at work. No one owned up to it and it cost me £300 to have it replaced with a trusted independent body shop.
 

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That is quite a shunt ! Prob someone with rear sensors as well , similar to what happened in local Tesco’s for me a few months ago , some old guy with parking sensors in a Nissan Juke just reversed straight into my Astra when I was in a queue but witness saw him so he stopped , he was going to drive away….typical pensioner ! (Sorry to all those genuine OAP’s).
 

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Discussion Starter · #4 ·
I reckon its gonna need a new bumper…

At least over 1k worth of damage looks worse in person then on camera could have been a HGV where I work still, people just are not as honest anymore.
 

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I reckon its gonna need a new bumper…

At least over 1k worth of damage looks worse in person then on camera could have been a HGV where I work still, people just are not as honest anymore.
The fella I use that owns his own body shop, is a plastic repair specialist, he can also weld plastic. I doubt he'd charge anywhere near that amount, sure he'd repair that bumper too. Anyway if you ever need his contact details, just p.m me. He's up north, though, obviously.
Best to keep your insurance company out of it if at all possible, as your premiums would rise for up to 5 years even if you have ncpb. Then you'll have an excess to pay too.
 

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Discussion Starter · #7 ·
The fella I use that owns his own body shop, is a plastic repair specialist, he can also weld plastic. I doubt he'd charge anywhere near that amount, sure he'd repair that bumper too. Anyway if you ever need his contact details, just p.m me. He's up north, though, obviously.
Best to keep your insurance company out of it if at all possible, as your premiums would rise for up to 5 years even if you have ncpb. Then you'll have an excess to pay too.
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Looking at the damage, you could buy a used rear light cluster. I'd probably say under £500, going by what I've had done in the past. I'm working from up north labour rates. You could even buy a used rear bumper, have that resprayed and fitted. If you could get hold of one.
This is the damage that was repaired to my car recently, after hitting a pheasant head on at 60. My fella repaired the bonnet, resprayed that, wing and replaced the door mirror housing. £360 all in.
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Best to keep your insurance company out of it if at all possible, as your premiums would rise for up to 5 years even if you have ncpb. Then you'll have an excess to pay too.
This i think is the main reason people do not put a note in the wiper with their info, if they hit someone.

Not saying it ain't scummy, but if you are strapped for cash and know your insurance is going to go up, to a point where you might not be able to pay it anymore, then you might leave without identifying yourself to the poor person, whose car you damaged.

Car repairs have gotten insanely expensive compared to old times, so insurance is very costly as it is.

Again..Not an excuse, just an explanation of what i think is the reason people don't fess up to what they did.
 

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Discussion Starter · #13 ·
the bump happened on company property so would the insurance pay up as its not public road
Its not covered by the RTA 1988 because its on private property thats the problem
 

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Its not covered by the RTA 1988 because its on private property thats the problem
A road counts as a Highway that anyone has access to. So if a business has a car park, such as a shop or a trading estate it is a road by legal definition.
Any land that is open to the public is a Highway, and almost every location has an implied right of access to the public, unless there is a specifc sign and barriers stating this fact. (For example, even at a private place of work a person is not trespassing if they walk up to the door to post a letter. Or a member of the public parking at the cinema to watch film.)

The police won’t investigate RTCs unless there is an injury or offences taken place, it is for the insurance company to investigate and sort out if the parties don’t do it themselves. Insurance will deal with damage caused on private land, unless the private land is a racetrack normally.
Why would you think the wouldn’t? If your allowed to be in a location as a member of the public, it’s covered by the RTA. :)

but unless the damage was very costly, I agree I wouldn’t go through insurance they alway seem to screw you over in the long run!
 

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the bump happened on company property so would the insurance pay up as its not public road
I don't see why not. Insurance companies have exceptions for airfields etc, but if they wouldn't pay if not on a public road then they would just say so (and it would be widely known if there was such a huge exception). If they felt the third party landowner's insurance would be liable, then they would settle your claim and then try to recover the money from the landowner (as they would had the third party driver owned up). You don't pay lots of money for insurance to have to pursue claims yourself against third parties.

However, in this case it would almost certainly end up as an "at fault" claim - unless the driver can be traced and is insured - so it could affect a no-claims bonus, and will have to be declared as such at renewal. So there's the questions of "do you claim" and "do you tell your insurance at all" - on that point the answer is "yes" if they could find out another way.

The person who drove off should be concerned that you may get CCTV footage with their number plate, report it to your insurer and/or the police, and they could then be hit with driving away from a scene of an accident or criminal damage, and not declaring an incident to their insurer. I'd certainly want to make life difficult for someone who did this amount of damage to my car and then just drove off.
 

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Maybe the fella didn't have insurance?
I've seen that happen before, basically an hit and run. There's plenty of people on our roads that are not road legal, partly due to their punishment being lenient. What's the point of banning someone that's already banned? Totally pointless.
 

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Discussion Starter · #18 ·
were you able determine the plate from the dashcam footage?
Think its a HGV cant see a plate but thats my hunch by the dent with it also being high up too on the car more than 2 ft off the ground, may have been caused by the weight and height of the vehicle, dashcam activates for a HGV so thats what I think it is a company HGV.
 

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What puzzles me is if it was an HGV, then presumably the hatched area where you are parked is to make it easier for them to manoeuvre. Can't see your employer accepting any responsibility if you parked there .
 

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Someone ran into mine while parked outside the house. He was being followed by the police at the time so jumped out and legged it. The visible damage was restricted to the bumper but the strengthening frame behind it had to be replaced as well. Luckily the insurance put it down as a no blame claim which meant I didn't lose my no-claims bonus (which wasn't protected). I think the fact that it was witnessed by a police officer may have something to do with this. They also refunded my £150 excess after a long wait for the police report. So a shout out for Direct Line, pretty decent service in this instance.
 
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