Last april, I had a minor scrape on a roundabout, where someone pulled out in front of me when I was already on the roundabout, (it was quite a big roundabout) I managed to stop safely and tooted my horn. the other person also stopped, (no contact at this time) looked at me then drove off and as he moved away his trailer grazes the front of my nearside wing, minor scratch. He attempted to drive off down some back streets and into a parking with a high wall, but I just saw him and followed him in and confronted him. He was agrressive and after a few minutes he said ok, the police are down the road, lets go there, so we did. Upon confirmation that no-one was injured the very helpful pc did a check that both vehicles were insured, (yes) and told us to get on with it. the other person refused to give me his details until he was told he had to, his excuse was that i would not give him my peronal phone numbers, which I don't have to by law, and it saves all those irritating texts and calls from accident management companies. I informed my insurance company immediately of the incident, and it was touched up for not very much locally, so no need for me to claim. 6 months later, as you have all guessed by now a PI claim for whiplash! As I denied liability and there seemed to be enough pointers in my favour the insurance company sent out an investigator who turned out to be a very competent ex-policeman with much experience in traffic, We visited the scene, and we had 2 hours where he took me through everything, took a statement and told me I had nothing to worry about. On the basis of this my insurance company denied liability and told me that if nothing more was heard in 6 months the case would be closed. Now on phoning for an update, as suddenly I have been getting texts and calls about making a claim myself in this case, i was told by my insurer that it could drag on for 3 years before they close the case and restore my ncd if the other side do not reply.

Crazy or what!

Edited by OldRoverboy on 10/03/2012 at 10:04