GR86 Hit and Run

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MatC

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Just had a bit of an incident, going straight ahead past a set of lights and the oncoming car that was turning in my direction probably didn't see me and crashed into me.

Luckily it hit me at low speed and i already swerved as much as I could. As it was a pretty busy junction I drove the car a bit further ahead and parked aside expecting the other car to do similarly but nowhere to be seen!!

Luckily I have a dashcam and got the whole thing recorded and will be reporting to the police. Expecting the rear quarter of the car to be trashed and needing a new rear bumper and panel, saw that I actually got quite lucky considering the circumstances....the other car (a Honda Jazz) literally hit my back wheel and nothing else!

Now assuming the police contact that driver and they assume responsibility - what's your opinion as to whether I'll be able to get a new wheel or will it be a repair?

I suppose I still need to contact my insurance I suppose?

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I'd get it on a ramp and give it a very good look over and check the alignment. If ok I probably wouldn't bother with going through insurance etc. Yes you are absolutely supposed to but it's likely going to be more aggro'/expense than just sorting it yourself.

Yes I know, policy, declaration, etc etc. Whatever.
 
Yeah, galling as it is, especially if you have the offender on dash cam, I would just suck it up and get the wheel refurbed (assuming you have it checked and that's the only damage of course).
 
Forget contacting your insurance if that’s the extent of the damage.
 
Yeah I counted myself lucky as I was sure that the rear bumber and rear quarter panel would be done in a side on like that!!
Have reported to the police and unfortunately logged this with the insurance but told them I'm considering whether to proceed with a claim and they assured me I could drop the claim anytime before any costs have been incurred by them....

I know it's something not worth going through insurance for but with the dashcam and reg number, I'm just thinking why not claim it through the person who hit me and drove away rather than let them get away with it. It's not going to affect my NCD (but yeah it will in reality be a no fault claim on record which might affect my renewal next year?) If they had stopped and exchanged details, I would have agreed to not go through insurance and just ask them to pay for a refurbishment which I guess would be about 100....

If I'm going through insurance, wonder if I could request a new rim altogether?
 
Sorry to hear this. Have you got their number plate then? Might be worth checking they are insured via that free insurance check website. Just thought it might have been the reason they didn't stop.
 
MatC said:
Yeah I counted myself lucky as I was sure that the rear bumber and rear quarter panel would be done in a side on like that!!
Have reported to the police and unfortunately logged this with the insurance but told them I'm considering whether to proceed with a claim and they assured me I could drop the claim anytime before any costs have been incurred by them....

I know it's something not worth going through insurance for but with the dashcam and reg number, I'm just thinking why not claim it through the person who hit me and drove away rather than let them get away with it. It's not going to affect my NCD (but yeah it will in reality be a no fault claim on record which might affect my renewal next year?) If they had stopped and exchanged details, I would have agreed to not go through insurance and just ask them to pay for a refurbishment which I guess would be about 100....

If I'm going through insurance, wonder if I could request a new rim altogether?
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Because you have a duty to mitigate your costs if someone else is paying, although I don't expect any insurance company would begrudge you a new wheel in the circumstances.

Get the wheel checked out by a reputable wheel refurbisher for cracks, buckling and any other damage not immediately obvious that might mean you're better off with a new wheel. I'd be worried about getting a colour match to the other wheel on that side.

Is the tyre OK?

As you said, definitely get the alignment and suspension checked. A knock like that can easily throw stuff out or worse.
 
leosayer said:
Because you have a duty to mitigate your costs if someone else is paying, although I don't expect any insurance company would begrudge you a new wheel in the circumstances.

Get the wheel checked out by a reputable wheel refurbisher for cracks, buckling and any other damage not immediately obvious that might mean you're better off with a new wheel. I'd be worried about getting a colour match to the other wheel on that side.

Is the tyre OK?

As you said, definitely get the alignment and suspension checked. A knock like that can easily throw stuff out or worse.
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As far as I could tell the tyre seems ok without any visible cuts or anything. My rear end was shunted sideways about 1 foot or so from the impact. I was quite pleasantly surprised at how solid the car was considering the circumstances but then I am worried about the hidden damage - suspension, wheel hub etc...

The insurer is referring me to their repairer and I'm considering whether to insist taking back to Toyota (an extra excess normally applies but since I"m not at fault then it doesn't apply I suppose?). Toyota will probably more easily recommend a wheel replacement or would the third party garages not be too bothered either especially if its paid by someone else?
 
Might be worth giving the suspension a once over. Looks superficial but you can never be sure.

I feel your pain. A few days after picking my car up from getting it ceramic coated I was rear ended with 71 miles on the clock. Fortunately I got away with very minor damage which wasn't worth pursuing but you wouldn't want to find something months later and regret it.
 
MatC said:
As far as I could tell the tyre seems ok without any visible cuts or anything. My rear end was shunted sideways about 1 foot or so from the impact. I was quite pleasantly surprised at how solid the car was considering the circumstances but then I am worried about the hidden damage - suspension, wheel hub etc...

The insurer is referring me to their repairer and I'm considering whether to insist taking back to Toyota (an extra excess normally applies but since I"m not at fault then it doesn't apply I suppose?). Toyota will probably more easily recommend a wheel replacement or would the third party garages not be too bothered either especially if its paid by someone else?
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You will probably still have an additional excess to pay if you use a non approved repairer as these excesses are normally not dependent on who was at fault. If the third party is insured and liability proved then any uninsured lossless (your excess) could be recovered from his/her insurer. The other thing to consider is that regardless of fault any claim is likely to affect your renewal premium. As for a new wheel if that's what is needed there would be no reason why an approved repairer would not fit one. Finally you might find the approved repairer to be more competent than the Toyota main dealer!!

I hope you get it sorted.
 
TR1 said:
You will probably still have an additional excess to pay if you use a non approved repairer as these excesses are normally not dependent on who was at fault. If the third party is insured and liability proved then any uninsured lossless (your excess) could be recovered from his/her insurer. The other thing to consider is that regardless of fault any claim is likely to affect your renewal premium. As for a new wheel if that's what is needed there would be no reason why an approved repairer would not fit one. Finally you might find the approved repairer to be more competent than the Toyota main dealer!!

I hope you get it sorted.
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So far they’ve said I’ve not an excess to pay, unless there’s an issue with the other party I suppose!
Unfortunately will have to accept my renewal premium will be affected.

Have sent photos to the repairer and noting I’d want a suspension and geometry check as well as new wheel…see what they say!
Gutted as the car has been in hibernation since October and I’ve only done 600 miles and most of it was in the recent weeks after the weather turned fairer…
 
It's too late but this will affect your insurance fault or not as soon as you inform them that's it.

Stats say a no fault claim is more likely to result in another than a fault claim so generally worse premium wise sadly.

I try to put fairness aside and think about my premium next year.

If the person actually stops depending on what happens I'll normally try and get some cash from them and call it quits.
 
PVGR said:
It's too late but this will affect your insurance fault or not as soon as you inform them that's it.

Stats say a no fault claim is more likely to result in another than a fault claim so generally worse premium wise sadly.

I try to put fairness aside and think about my premium next year.

If the person actually stops depending on what happens I'll normally try and get some cash from them and call it quits.
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Normally! How often do you crash? :oops:
 
In regards to insurance, you are not at fault..... only if your insurance company can get reimbursed from the other insurance/driver.

I learnt this the hard way when my Cupra Born was taken out at a T junction by a speeding, high as a kite, uninsured driver. The driver ended up driving off and hitting 2 more cars, ending up in a front garden and trying to run on foot. Luckily, a couple of pedestrians saw it and held him until police came.

£7k damage, self claim although LV said covered for uninsured drivers... Yeah right, only if they can get the uninsured driver to pay out.

So bottom line, pay £150 for 4 wheel alignment to check the damage. If all ok, pay £100 to have the wheel refurbed and call it a day for a £250 outlay.

If the alignment comes back with chassis damage, then claim through insurance but don't expect it to be not at fault.
 
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