reporting accident to police but not insurance?

[Tierbirdy]

So I'm fucking fuming, I got rear ended on my brand new not even a month old Tracer on the way home from work.

Thankfully very minor shunt, looks like my number plate holder acted as an excellent crumple zone and rear facing spike to fuck his car up.

I don't want to get insurance involved because I don't want to have to declare yet another "no fault totally wont put your insurance up (but actually it will!) " claim come renewal time. If I have to pay £100 out of my pocket for a new mounting bracket then so be it. It'll be cheaper than losing out on insurance.

But the fucker didn't even attempt to stop, just looked at me sheepishly, I pulled over to inspect damage - he fucked off down the road. Caught it all on helmet cam, doddery old prick who should have stopped driving in the last millennium.

I've tried giving 101 a ring to enquire/report it, but the current waiting time is approximately "some time around the heat death of the known universe as we're busy dealing with emergency calls"

I don't want this prick to get away scot free, but I also dont want to get insurance involved. Will involving the police make them tell/ask my insurers? Am I better off just accepting the universe shafting me once again, forget about it and move on? Or should I find his details via askMID and firebomb his bungalow in his sleep?

https://i.imgur.com/4CNiAnp.png

look at this dopey old twat, clearly gives absolutely zero fucks. At least his car seems to have come off worse, the tracer number plate mount seems to make an excellent rear facing spike and has caved in his grill and smashed his plate off.

I know youre supposed to "report any incident even if a claim isnt being made" to your insurance, and I'd be a very naughty boy if I dont tell them. But I also dont want to be reamed by them again. But I'm also concerned that whilst I cant see any real damage, if I dont report it to my insurers and in a weeks time find the swing arm falls off or something, Ill be shit out of luck in terms of making a claim.

This is a ballache and a half :I

[Beehive Bedlam]

You should definitely not let it go.

[M.C]

Was he insured?. You can only get the name of the insurer (not the policy holder) off there, I think with the roadside just had a prang link*. I'd report it as you have footage, I don't believe it'll affect the insurance side, but I've only been in this situation with a work vehicle so I wasn't 100% in the loop.

*put in someone elses reg' rather than yours

[Tierbirdy]

Yeah Ive checked MID he is showing as insured. I just really dont want to end up making myself worse off for doing the "right" thing.

[MCN]

It is not much to do with who is at fault.
If you make a Claim it is still a Claim.

You must Recover Your 'Uninsured Loss'. (The excess you agreed to pay when you purchased your policy.)
When it is decided the third party is 'At Fault' you can then recover your loss from their insurers.

And it is still an accident that you were involved in so statistically you present a higher risk of a Claim on an insurer.
Same as if you lived in a high motor crime area then premiums are adjusted to reflect the extra risk even though you never make a claim. 😔
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Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN.

[Ste]

Report to plod.

[Aky208]

Report to plod!

Also I think (do your research first though) you can go through his insurance company to make a claim and not involve yours! Not done it myself and only heard it on the grape vine though.

[Suntan Sid]

[Freddyfruitba...]

I was recently involved with a similar 'hit and run', the difference being that the damage was done to my Mum's garden wall rather than my vehicle. In the absence of any injury, or proof that the offender had deliberately fled the scene, Plod weren't bothered about prosecuting at all. Eventually they found out the name of the business who owned the vehicle, and after they'd spoken to them, provided me with the business details, the name and DOB of the driver in question, and the vehicle insurer and policy number. (After that, the episode was resolved between my mum and the insurer direct).

So - from my experience, I wouldn't expect the insurers to become involved simply as a result of you contacting PoPo. They might conceivably be more interested in having a go at the driver because it looks like you've got video evidence of what he did. But somehow, I can't see the police simply handing over the name and address of an old bloke to an angry, wronged biker, can you? Maybe they'd just give you his insurer (and then you'd be in the 'system'). I imagine that if you are able to make direct contact with him, the driver is going to be as anxious as you are to not to involve his insurer and would be keen to hand over £££ to avoid having to do so.

Tricky one.

Edit: a long shot maybe, but is there any mileage in staking out the road in question at the same time of day, in the hope of spotting him and following him home? He looks like a commuter to me...
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KC100->CB100N->CB250RS--------->DL650AL2->R1200RS->R1250RS

[Rogerborg]

Report to plod as you are obliged to do, get a crime number, get your complaint to professional standards in early when they NFA it.

Why would they contact your insurer, or give any information to them?

If you want compo for your bike / a ding against his doubtless protected NCD, contact his insurer directly (via the MIB above) with your footage. They'll pay out, but then you're on the cartel's system.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[stephen_o]

He has more to lose than you. "failing to report an accident" "failing to stop and exchange details". Your the wronged party. Unless your fully comp then he is liable for your repair as a third party - report it to the popo, they will pay him a visit and get his details if you don't get them from the databases, don't contact your own insurer unless you are comp and want them to repair your damage, just go direct to his.
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current scoot 2009 Yamaha YBR250 + Current Pootle 2013 Nissan Leaf

[waffles]

He didn’t care about you at all, otherwise he would have checked to make sure you were ok. Grass him up!
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Theory test - 19/8/09, CBT - 11/10/09, MOD 1 - 16/8/10, MOD 2 - 27/10/10
Past rides Yamaha XT125X, Triumph TT600, Honda XR250
Current rides Suzuki GSXR 600, Honda MSX125

[st3v3]

Police don't tell insurance only check there is a policy, they have no need to but he definitely needs reporting.

[Tierbirdy]

Grassing him up it is then,

needless to say the metplod site for reporting it online is totally useless and doesnt work, so now spending forever on hold to 101

[stinkwheel]

Go to the plod and get your oar in before he realises how much a new grill is going to cost him and/or he is called by a speculative claims company "Yes I have been involved in an accident, however did you know?".

Before you know it, the location and circumstances of the accident will have been changed and the police will be asking YOU why you didn't report recklessly reversing into his car, while doing a wheelie, resulting in a hurty neck for the poor old gent...
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“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.

[talkToTheHat]

Is he wearing reading glasses in that picture or have they just slipped off his face a bit?
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Bandit. does. everything.

[MCN]

[P.]

I'd chuck him to police for hit and run or failing to stop. Say you have footage, don't give it yet though

He will deny it, you drop said footage.. watch him squirm. I'd not notify insurance personally.

101 gets me an answer in <2 mins. Try again.

[Bozzy.]

[Fizzoid]

[mikester]

Police won't tell insurance. Get it reported, there be some offences there driver shouldn't be getting away with.


May be a massive longshot but if it were to go to prosecution against driver however unlikely... make sure you ask to complete an MG19 with Police for compensation so you're not out of pocket for repairing damage to your bike.

[mikester]

Assuming you're not behind a VPN:

https://www.met.police.uk/report/report-a-road-traffic-incident/

[Rogerborg]

[mikester]

[Hawkeye1250FA]

You could always ring plod to confirm you witnessed a hit and run...

And could they provide you with the chaps address so you can send the poor victim some video footage you have of it.


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1993 RF400R - 2002 Bandit 1200 - 2012 1250 FA