Crashed into my parked car and fled the scene

[Connor123]

So my car was parked outside my home when it was crashed into I wasn’t in the vehicle at the time.the driver of the other vehicle fled the scene but vehicle was left at scene. The vehicle is insured to a woman. So the police have said the woman claims she sold the vehicle a few days before and gave a name and address but the name and address given is not correct no person by that name has ever lived at the address. Just wondering where I stand with it all are the other party’s insurance liable to pay even if she claims she sold it a few days before the accident. also insurance wasn’t cancelled till a few days after the accident

[des8]

If you have comprehensive insurance, claim against your own insurers

If the driver cannot be identified a claim against the sellers insurers will not be met willingly by the insurers.
However there is one Supreme Court ruling which might support a claim : ( Cameron v Hussain & LV Insurance (2017) EWCA Civ 366)

If you do not have comprehensive insurance a claim against MIB is probably your best way forward https://www.mib.org.uk/making-a-claim/

[DE DOGS]

Hope I am wrong, but this seems a bit strange sold car to Mr ? doesn't exist. Anyhow the Police will no doubt take the car for checks to try and locate the culprit, other than that your Insurance should cover the damage (Hopefully you are covered by Full Comprehensive) and so submit a claim

[Connor123]

That’s the thing I don’t want to claim on my insurance it’s not my fault my car was parked up don’t see why I should have to claim on my insurance

[dslippy]

That is why you get insurance.

[Connor123]

Yh but when your not even in the car you tend to think your not at fault so why should I have to take the hit and lose no claims

[atticus]

1. Because it is almost certainly a requirement of your insurance policy that you inform your insurer.

2. Because if you don't, you could lose more.

[des8]

You buy insurance to indemnify yourself in the event an unexpected occurrence causes you loss.

If you do not intend to claim you might as well choose to carry the risk and not purchase insurance

Why buy a dog and then bark yourself?

As pointed out, you need to report the incident to your insurers whether or not you make a claim.
Whilst this might not affect your NCD (which is only discretionary anyway!) your premiums could still increase.

Having comprehensive insurance will mean a claim against MIB will fail, and claiming on your own insurance will save you a lot of stress

[echat11]

The thing to do in these circumstances is make a claim via MIB.

https://www.mib.org.uk/making-a-claim/

[des8]

The thing to do in these circumstances is make a claim via MIB.

https://www.mib.org.uk/making-a-claim/

As connor123 apparently has comprehensive insurance MIB will not assist

[echat11]

The thing to do in these circumstances is make a claim via MIB.

https://www.mib.org.uk/making-a-claim/

O.K..