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Q549: I have missed a flight because of a road traffic accident on my way to the airport, the insurance company would like some proof, can you help?

Answer

There is a Memorandum of Understanding between the National Police Chiefs Council in conjunction with the Office of the Information Commissioner Office and the Association of British Insurers; this permits Insurers and Loss Adjusters to request information from a police force for the purpose of validating a claim.

Requests for the disclosure of information for the purpose of insurance claims are dealt with directly between insurers and the Police. Claimants should contact their insurers for further details.

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The existence of CCTV material should always be considered as a reasonable line of enquiry in a police investigation and investigators will usually view / review any CCTV that they are aware of before making a decision as to whether the footage is relevant to the investigation.

If you are aware of the presence of a CCTV camera at a location where a crime / vehicle collision took place, we would suggest you make the police aware of this when you report an incident / collision.

Please also see the Government website in Related Information regarding requesting CCTV footage of yourself.

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Not all collisions require a police officer to complete a collision report.

In some instances a collision report will not be released until the police file has been finalised.

If you are a solicitor or an insurance agent, you can apply on behalf of your client for a copy of any existing collision reports the police have.

People can also apply for collision reports or request details of third parties involved in a collision if they are representing themselves in civil proceedings.

Information on how to make a request and details regarding costs can be found on local police force websites. See the link in Related Information for force contact details.

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Unfortunately, a cat does not fall within the remit of the Road Traffic Act and therefore you do not need to report the incident to the police as long as there are no other factors involved, for example:

• Damage to another vehicle
• Injury to another person
• Injury to animals including cattle, mules, sheep, pigs, goat, dogs or horses
• Damage to other property forming parts of land / adjacent to land on road in question

It may be advisable, if possible, to make a few enquiries to find the owner of the cat so that they can be informed of the situation. If you cannot find the owner of the cat, you could take it to the nearest vets as most cats are now microchipped - the vet can scan the cat and contact the owner. Alternatively, you can contact your local council in order for them to clear away the remains.

See the website in Related Information to find your local authority.

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It is not illegal to reverse into a main road but it is not advisable - this is for safety reasons. The main road is likely to be very busy and there will be an increased chance of an accident due to the presence of more cars on the road. If an accident occurred due to you reversing onto a main road from a minor road then there may be the possibility of you being prosecuted for driving without due care and attention.

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If both parties stopped at the scene and exchanged names and addresses, then there is no legal requirement to report the accident to the police. Road traffic law has been complied with and the police will not take a report.

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Question

Q549: I have missed a flight because of a road traffic accident on my way to the airport, the insurance company would like some proof, can you help?

Answer

There is a Memorandum of Understanding between the National Police Chiefs Council in conjunction with the Office of the Information Commissioner Office and the Association of British Insurers; this permits Insurers and Loss Adjusters to request information from a police force for the purpose of validating a claim.

Requests for the disclosure of information for the purpose of insurance claims are dealt with directly between insurers and the Police. Claimants should contact their insurers for further details.
 
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