On Christmas Eve whilst my LS400 was parked outside my home it was hit by another car ( Mondeo )
The driver exchanged details but they were sketchy , but one good thing was that he was wearing the uniform of a local bus company and I have beenable to confirm that he does indeed work for them and the name he gave me was correct.
He told me he was insured with the AA and would bring the details around, of course he never turned up.
In the mean time I report the incident to my own insurance company ( The Post Office / Aviva ) who act very quickly and get me a booking for a repair quote and arrange a hire car.
Its the front passenger door that has been damaged, and I would have to fork up my £250 excess on collection of the car, but they were confident they could reclaim the costs from the driver.
Ironically my renewal also came through the post on Tuesday morning and to my shock had increased by just under two hundred quid !! :tsktsk:
I then get back onto The Post Office who tell me its because I have a potential claim going through.
I immediately contact the AA so that they can deal with the whole thing, but they inform me that the vehicle registration I have given them is not shown as being insured on their system, and I should therefore contact Aviva to get them to do a trace.
Aviva are reluctant to do this but eventually, after some hot words, the call centre worker puts me through to the underwriting dept.
They do a trace and confirm the vehicle is not insured.
I have asked Aviva to remove the claim from their system and I will arrange to get the car repaired myself, whether or not this lowers my renewal premium remains to be seen ?
They have said that if I do decide get the car repaired through their approved repairers (Nationwide ) they will try and recover the costs through my legal cover ( waste of time paying this folks ) or the MIB ( took my friend two years to get his money through this lot )
I have now reported the incident to the Police and filled in a collision report form and they will decide whether or not to prosecute.
Uninsured drivers are a real scourge and need much heavier penalties imposed on them .
My LS was simply parked outside my own home and I am now seriously out of pocket always round.