I was hit whilst stationary in July 2007. The car drove off and i got the car reg make and model and also a description of the driver.
Phoned the police to report a hit and run, they go around the persons house who surprise doesent know anything about it and doesent match my description BUT the police confirm there car has been in a motor collision identical to that i had described.
So the police man says go thru my insurance as i have seen the owners documents and it will be sorted out!
Well it hasnt the cars been repaired and i sold it in september, i had to pay my excess but was assured that once the dealings were sorted id get that back.
So October time insurance is due on the 25th get my renewal and it states 0Ncb and a bloomin high premuim,
Ive lost my NCB for the time being as the other driver isnt responding to letters nor phone calls to send their details in, the police have been back around and the woman who owns the car and she doesent know who was driving and doesent know the woman from the CCTV that i ensured the police got as she left a shop before driving in to me.
What the hell can i do, i feel like i should cancel my policy and drive around unisured as ive paid a premuim and getting sweet FA for it bar an increased premuim this coming year and lost excess.
Is a Person insured or is it the vehicle? as thie person who hit me know one knows who it is but obviously if the cars insured im ok i hope £££ wise?
Also the owner is not sending the documents in so my insurance are saying this probably means she hasnt got insurance so ill lose my NCB totally along with my Excess
Need some tips and ideas people as it really is stressing me out as its money i cant afford with a wedding and house on the horizon.