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How do I claim after a hit-and-run collision?
Could you please advise me on how I should proceed following a hit-and-run incident?
Last July my car, waiting legally at the side of a road, was hit. I was in the car. The whole incident was caught on dashcam and subsequently reported to Kent Police who were provided with a copy of the dashcam recording.
The police decided that it was "not in the public interest" to pursue the matter and would not give me the keeper's details. I then applied to the DVLA (special delivery), again giving them access to the recording, and enclosing a cheque for the £2.50 fee, but after the 6 month expiry of the cheque it had not been presented and there was still no reply. My legal costs insurance then established that the car is insured with Admiral Insurance and said I should contact them direct.
There was not so much as an acknowledgement from Admiral Insurance of my several emails (and providing the dashcam recording) for more than 2 months, and only after I followed up my threat of adding interest as well as taking legal action did they respond. Their reply was that they would not look at the matter because it was not the policyholder, i.e. the hit-and-run driver, who had not reported it to them but the victim of the offence
I would like to lodge a complaint about Admiral Insurance to the Financial Services Ombudsman, but it appears that only the policyholder can do so. Since I have no way of establishing the keeper of the car in question and Admiral Insurance are refusing to enter any dialogue, how should I proceed, please?
Last July my car, waiting legally at the side of a road, was hit. I was in the car. The whole incident was caught on dashcam and subsequently reported to Kent Police who were provided with a copy of the dashcam recording.
The police decided that it was "not in the public interest" to pursue the matter and would not give me the keeper's details. I then applied to the DVLA (special delivery), again giving them access to the recording, and enclosing a cheque for the £2.50 fee, but after the 6 month expiry of the cheque it had not been presented and there was still no reply. My legal costs insurance then established that the car is insured with Admiral Insurance and said I should contact them direct.
There was not so much as an acknowledgement from Admiral Insurance of my several emails (and providing the dashcam recording) for more than 2 months, and only after I followed up my threat of adding interest as well as taking legal action did they respond. Their reply was that they would not look at the matter because it was not the policyholder, i.e. the hit-and-run driver, who had not reported it to them but the victim of the offence
I would like to lodge a complaint about Admiral Insurance to the Financial Services Ombudsman, but it appears that only the policyholder can do so. Since I have no way of establishing the keeper of the car in question and Admiral Insurance are refusing to enter any dialogue, how should I proceed, please?
Asked on 4 May 2023 by Frank Dowling
Answered by
David Ross
The response from several organisations has been disappointing, but there are some further steps you can take.
We would suggest contacting the Motor Insurers' Bureau (MIB): The MIB is a non-profit organisation that helps victims of uninsured or untraceable drivers. They might be able to help you identify the keeper of the car in question and potentially provide compensation for the damages. You can find more information about them on their website: www.mib.org.uk.
You can also contact the Information Commissioner's Office (ICO). If the DVLA failed to respond to your request for the keeper's details within the required timeframe, you can make a complaint to the ICO. They are the UK's independent regulator for data protection and privacy. You can find more information about them on their website: www.ico.org.uk.
We would also suggest contacting your own insurer about this matter if you haven't already. Although you probably won't wish to make a claim, they will be able to contact Admiral about the matter and make a claim on your behalf.
We would suggest contacting the Motor Insurers' Bureau (MIB): The MIB is a non-profit organisation that helps victims of uninsured or untraceable drivers. They might be able to help you identify the keeper of the car in question and potentially provide compensation for the damages. You can find more information about them on their website: www.mib.org.uk.
You can also contact the Information Commissioner's Office (ICO). If the DVLA failed to respond to your request for the keeper's details within the required timeframe, you can make a complaint to the ICO. They are the UK's independent regulator for data protection and privacy. You can find more information about them on their website: www.ico.org.uk.
We would also suggest contacting your own insurer about this matter if you haven't already. Although you probably won't wish to make a claim, they will be able to contact Admiral about the matter and make a claim on your behalf.
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