Your video link plays just fine.
Firstly, condolences. This is absolutely not your fault, and could have happened to anyone. You were just in the wrong place at the wrong time.
That.
You have suffered a loss as a direct result of the action of another driver failing to secure their load properly. The driver of the van is liable for either the cost of repairing your car, or its current market value, whichever is the lesser, plus any other reasonable costs you incur.
Start by reporting it to the Police and give them a copy of your dashcam footage. If you don't already have their details, they may be able to help in tracing the driver of the car. It's an old van, so it's reasonably likely the driver is the registered keeper.
If your insurance policy includes legal cover, this would be a good time to make use of it.
Sadly I suspect pursuing this is going to involve quite a bit of hassle, but your dashcam footage should help a lot.
Looking at the aftermath pic, I'm thinking some panel beating & filler to repair the bonnet, a s/h replacement bumper and DRL, and some paint; doesn't look like a writeoff from where I'm sitting, unless there's more hidden damage.
From other stuff you've posted, I'm betting you could do this yourself, though I don't see for a minute why you should have to.
@typecastboy, what do you think this would cost to repair, if you were to use your normal contacts?
There's some useful information on this page.
Firstly, condolences. This is absolutely not your fault, and could have happened to anyone. You were just in the wrong place at the wrong time.
Doesn't matter about insurance opinion.
Vehicle carrying a load has damaged your car.
You have a civil claim against the driver for your damage.
This is the case for any collision, but usually the risk is covered by an insurance company.
Insurance company saying not their responsibility, just moves it back to the driver of the other car.
Start a small claim in the county court.
Submit dashcam footage to the police, an insecure load is a serious offence.
That.
You have suffered a loss as a direct result of the action of another driver failing to secure their load properly. The driver of the van is liable for either the cost of repairing your car, or its current market value, whichever is the lesser, plus any other reasonable costs you incur.
Start by reporting it to the Police and give them a copy of your dashcam footage. If you don't already have their details, they may be able to help in tracing the driver of the car. It's an old van, so it's reasonably likely the driver is the registered keeper.
If your insurance policy includes legal cover, this would be a good time to make use of it.
Sadly I suspect pursuing this is going to involve quite a bit of hassle, but your dashcam footage should help a lot.
Looking at the aftermath pic, I'm thinking some panel beating & filler to repair the bonnet, a s/h replacement bumper and DRL, and some paint; doesn't look like a writeoff from where I'm sitting, unless there's more hidden damage.
From other stuff you've posted, I'm betting you could do this yourself, though I don't see for a minute why you should have to.
@typecastboy, what do you think this would cost to repair, if you were to use your normal contacts?
There's some useful information on this page.
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