Hit & Run by uninsured driver in stolen vehicle

aamir03

Hi,

I was recently hit from behind whilst stationery by car who proceeded to run off after the incident. Fortunately i was able to take the vehicles registration & immediately went to local police station to report the incident.

The following day had a visit from traffic police who informed me the vehicle is insured and they gave me the insurance company's details & policy number. However they also informed me that the vehicle has been reported as stolen and they will need to make additional enquires. Though they never confirmed this it seems the vehicle was reported stolen after the incident and this may be a ploy by the owner/insured person.

My vehicle is insured under TPFT cover and not much my insurance can do & hence have decided to appoint a claim company to act on my behalf.

My question is as the vehicle was insured at time of incident can i claim off the insured persons policy, even though its stolen, as the police have suggested to me or will this be a long MIB claim?

Thanks.

Quentin

You can claim off the other car's insurers.

As you have a claim handler they will do it all for you.

raskazz

Depends on whether the driver at the time of the loss is identified. If he or she can be identified the claim will be dealt with by the insurer of the stolen car. If the driver remains untraced it will be dealt with by the MIB. Hope you get it sorted out quickly either way.

aamir03

Thanks for your replies.

If the vehicle was reported stolen after i reported it to the police does the above still apply or could i then claim from the insurer of the stolen car irrespective of whether the driver is identified?

raskazz

The driver must be identified for the insurer to have any liability - whether it turns out to be the 'thief', the owner of the car or whoever. If the driver is not identified the MIB will have to deal with it.

The best outcome for you would be for the police to investigate the 'theft' and make the owner admit that he was driving at the time.

Idiophreak

raskazz wrote: »

If the driver is not identified the MIB will have to deal with it.

The Men In Black do cars too? I thought they only worried about spaceships?

raskazz

Idiophreak wrote: »

The Men In Black do cars too? I thought they only worried about spaceships?

Well, uninsured drivers are a particularly horrible alien species...

movilogo

Since you are 3rd party [without a legal cover], I don't see much luck here. You need to fight your case thru MIB which has £300 excess and will take at least 1 year to get a payout.

You'll not get anything from stolen car's insurer - since it was stolen. Had it been driven by owner of the car, you could have claimed under his insurance.

raskazz

movilogo wrote: »

You'll not get anything from stolen car's insurer - since it was stolen. Had it been driven by owner of the car, you could have claimed under his insurance.

The OP will be able to claim from the insurer of the vehicle if the driver of the car is identified, whether that driver was named on the policy or not. This is under section 151/152 of the Road Traffic Act.