Say Alice was in an accident with Bob that was 100% Bobs fault. At the scene email addresses and vehicle registration number plates were exchanged, and in later email exchanges the insurance details were exchanged. However Bob refused to provide their physical address, despite multiple requests including links to the government website detailing this requirement, apparently as a result of advice from their insurance company. After a month of exchanging out of court settlement offers with the insurance company Alice wants to initiate a court claim for money for the cost of the vehicle. However this seems to require "a postal address in England or Wales". What is the best course of action for Alice in this situation? Options appear to include:
- Use the vehicle registration number plate to request information about a vehicles registered keeper from DVLA.
- Pro: Only costs £2-50, will not obviously cause problems for the defendant
- Con: Likely to take some time, possible to cause problems for the defendant
- Report the lack of provision of address to police
- Pro: No cost to claimant
- Con: Likely to take some time, may well cause problems for the defendant
- Use the insurance company address in the form
- Pro: Easy
- Con: Probably would not work (as I understand it, the claimant has no relationship with the insurance company, only the actual driver)
- Make a claim using a paper form, either N1 or N510
- I am not sure of the consequences of this, but likely higher fees and more time, possible to cause problems for the defendant
This must happen quite frequently, what is the usual and/or best response in this situation? Alice would like to avoid problems for Bob, as it appears they have been poorly advised by their insurance company as to their responsibilities. Mostly Alice cares about the easiest and cheapest solution.