Flook
Free Member
- Jan 1, 2015
- 553
- 467
- Funster No
- 34,605
- MH
- Elddis Autoquest 175
- Exp
- Since 4th January 2015, first registered in January
I thought I would share a word to the wise with you.
Last year, September actually, I came back from a nice few weeks away in my motorhome. I parked it on my drive and started clearing things off as one does, along with other checks around the vehicle. This is when I noticed a dent in the offside at the extreme rear about shoulder height. To say I was annoyed might be an understatement, I could not recall catching anyone when I stopped off at a motorway service station, or at any time on the way back.
Between the outer and inner walls of a motorhome is insulated with compressed foam or something similar due to potential water ingress, via it being dew or rain etc to enter any possible split I could not see, I made arrangements to have it repaired.
A week later I had a letter from Wiltshire Police, saying I was seen driving my motorhome catching another vehicle. After the initial shock of that letter saying I had created damage to the motorhome and another vehicle, I contacted my Insurance company and advised them there may be a claim at some time in the future, and I have arranged to have the motorhome repaired carried out at my own cost. In theory I should save myself all the extra costs over the years of increased insurance covers for the car motorbike bike as well as the motorhome. Well that was the theory and it sounded good at the time.
The following five months came and went, during this time I found out via a solicitor that I should have notified the police within 24 hours of noticing the dent, this I did not do. It was pointed out to me, if you do not let the Police know of any damage to your vehicle that has happened anywhere in a public place or highway, you may face a minimum of 5-10 penalty points on your license if you were seen. Apparently there is no excuse in Law, everyone should know you should report an accident, even if you did not know you had hit something like I did.
So having had a solicitor since that time, and a barrister at the time of the Court date. I had my license endorsed for driving without due care and attention, and failing to report. Both of these are now on my license, along with 5 penalty points for not reporting, but no points for driving without due care.
The following day I received a letter from my car insurance to renew. I rang them to let them be aware of the situation. They checked all details out, and informed me because I had notified the motorhome insurance (remember that about theory), there was an extra cost of £50??? also due to the failing to report and without due care would take my £400 which I had been notified of to that of £1200??????? Remember that about theory! I am now with another company (surprise surprise).
All the bills for Solicitor, and Barrister, plus overnight stay for the Court, and fees with court costs etc came to over 2K. So much for theory.
Lessons learnt are; if I have any form of dent in any vehicle I will notify the police accordingly, to potentially save myself 5 further points, let the Insurance company know and claim on them. Use the free advice legal service and save money that way, 'perhaps'.
So the word to the wise is this; if you have any form of dent in your vehicle, and not sure or if you have any idea where it may have happened, inform the police, remember, there is no excuse not by law.
Best to cover your back than to face any consequences and costs of defense, also of any false witnesses to say you caused it when you may well not have.
Last year, September actually, I came back from a nice few weeks away in my motorhome. I parked it on my drive and started clearing things off as one does, along with other checks around the vehicle. This is when I noticed a dent in the offside at the extreme rear about shoulder height. To say I was annoyed might be an understatement, I could not recall catching anyone when I stopped off at a motorway service station, or at any time on the way back.
Between the outer and inner walls of a motorhome is insulated with compressed foam or something similar due to potential water ingress, via it being dew or rain etc to enter any possible split I could not see, I made arrangements to have it repaired.
A week later I had a letter from Wiltshire Police, saying I was seen driving my motorhome catching another vehicle. After the initial shock of that letter saying I had created damage to the motorhome and another vehicle, I contacted my Insurance company and advised them there may be a claim at some time in the future, and I have arranged to have the motorhome repaired carried out at my own cost. In theory I should save myself all the extra costs over the years of increased insurance covers for the car motorbike bike as well as the motorhome. Well that was the theory and it sounded good at the time.
The following five months came and went, during this time I found out via a solicitor that I should have notified the police within 24 hours of noticing the dent, this I did not do. It was pointed out to me, if you do not let the Police know of any damage to your vehicle that has happened anywhere in a public place or highway, you may face a minimum of 5-10 penalty points on your license if you were seen. Apparently there is no excuse in Law, everyone should know you should report an accident, even if you did not know you had hit something like I did.
So having had a solicitor since that time, and a barrister at the time of the Court date. I had my license endorsed for driving without due care and attention, and failing to report. Both of these are now on my license, along with 5 penalty points for not reporting, but no points for driving without due care.
The following day I received a letter from my car insurance to renew. I rang them to let them be aware of the situation. They checked all details out, and informed me because I had notified the motorhome insurance (remember that about theory), there was an extra cost of £50??? also due to the failing to report and without due care would take my £400 which I had been notified of to that of £1200??????? Remember that about theory! I am now with another company (surprise surprise).
All the bills for Solicitor, and Barrister, plus overnight stay for the Court, and fees with court costs etc came to over 2K. So much for theory.
Lessons learnt are; if I have any form of dent in any vehicle I will notify the police accordingly, to potentially save myself 5 further points, let the Insurance company know and claim on them. Use the free advice legal service and save money that way, 'perhaps'.
So the word to the wise is this; if you have any form of dent in your vehicle, and not sure or if you have any idea where it may have happened, inform the police, remember, there is no excuse not by law.
Best to cover your back than to face any consequences and costs of defense, also of any false witnesses to say you caused it when you may well not have.