Okay, I've got a story to share, so here's what has been happening in the case of a car accident involving my Mum's parked car.
- Whilst my Mum was at work at her University, her parked car was hit several times by a student driver having difficulties negotiating a parking space.
- There were several independent witnesses who said that the driver of the car hit my Mum's parked car as many as eight times. The driver was asked to leave her details, and she left a telephone number. That number turned out to be a wrong number, but the witnesses had also noted down the registration of the car she was driving.
- The Police classified the incident as a Hit and Run because no details were left at the scene, and they used the registration to identify the owner of the car. These details were passed to Tesco, who my Mum uses to insure her car. The witnesses provided statements, either to the Police or the insurer, I'm not sure.
- A local garage approved by the insurer inspected the car and said repairs would cost Â£400. The fully comp policy met this cost, but there's the 200GBP excess on top of that of course. Tesco began procedures to recover their cost from the other driver's insurer.
- Tesco discovered that the other driver was uninsured - apparently the daughter of the actual owner of the car. The owner of the car disputed the claim, and contacted the local garage directly to question their quote. He was unsuccesful in getting it changed, but he later wrote to my Mum and in a subsequent phone call that she made to him he asked her to drop the insurance claim - and under pressure she verbally agreed to do so.
- Immediately afterwards she felt that she had been pressured into making a verbal agreement that she did not want to make. With the support of her insurer she did not cancel the claim. Tesco has copies of any/all correspondance from the other driver and has been very supportive on the whole.
- The owner of the other car continues to dispute the damage, claiming that my Mum's car was already damaged before it was hit by the car driven by his daughter. The garage that quoted the value of the damage has stuck by the Â£400 quote - which has already been paid by Tecso in any event, to repair the car.
- Last week, Tesco begun its paperwork for court proceedings, and have asked my Mum if she will appear as a witness (and this is stressing her out a little, but she believes it is the Right Thing To Do™).
- My Mum has lost her no claims bonus because the claim is still in progress, and so Tesco say this can be part of the costs to be claimed in court.
And one final thing. The owner of the car who is disputing the damage caused by his daughter who was driving uninsured - it turns out from Googling his name and address that he is a local councillor of a neighbouring borough council.
Would it be ethically wrong to write to the local paper about his pressure tactics with the local garage and with my Mum?
Knowing that it is hard for me to be unbiased, he still doesn't seem to be too nice a chap.