We are seeing this more often.
A driver is involved in an accident and, knowing that they may be at fault, chooses not to make an accident report.
So what happens to the other party?
This is where things can become a grey area.
If the other driver does not report the accident, it can make it more difficult for the other party to pursue a third-party claim through the insurer.
But does that mean the victim cannot do anything?
Not necessarily.
The insurer may still try to contact their insured and request that they make the necessary report. But if the driver continues to ignore the request, the affected party may still have other options, including pursuing the matter directly against the third party.
This is where getting the right advice early can make a difference.
If you are involved in an accident, the first thing to do is exchange particulars with the other driver.
If the other driver refuses to provide their details, at the very least, take note of the vehicle registration number.
Take photographs. Keep the evidence. Report the accident to your own insurer.
Depending on the circumstances, you may also consider engaging a lawyer for legal advice and an independent vehicle surveyor to assess and document the damage. If it is a hit-and-run, make the appropriate police report.
The important thing is not to assume that because the other driver did not report the accident, your claim is automatically over.
Know what happened. Keep the evidence. Know your options.
Sometimes, what you do after the accident can be just as important as what happened during it.
