Car insurance - stolen car caused damage - who pays?

Quentin

Mouseman wrote: »

............ so premiums won't go up, excesses won't have to be paid......

As previously posted, no-one will have an excess to pay over this.

And don't bank on there being no change to the premium, as this incident will alter your profile, even if no claim is made.

Mouseman

Sure Quentin, I was just pointing out the fact that there's no claim already from the stolen car's owner, that seems to have been assumed.

RE the MIB (lol, Men In Black?! ) is that for damage or does there have to be an injury involved? Someone else suggested there would have to be an injury...

Quentin

They take claims for damage only (there doesn't have to be any injury).

They DO take an excess (£300)

Needs reporting to the police (within 5 days)

rizla01

Pretty sure that if the car that was hit is covered by fully Comp that those insurers will pay for the damage and claim it back from the insurers of stolen car.

If not then the insurers of stolen car need to be pursued and they are liable to pay damages as they insure the car, not the owner, so it doesn't matter WHO let the handbrake off, except that if they knew who, and it was found to be a criminal act then they could, in turn, sue that person for damages and if not then it is up to them to claim from the criminal comp board.

Unless, of course, if they calimed that the moving car was an act of God, in which case they would need to sue God.

No NCD liability in either case.

Quentin

If the damaged car claims off its own insurance, then there will be the excess to pay and a claim against the ncb until the insurer is fully reimbursed.

cogito

If not then the insurers of stolen car need to be pursued and they are liable to pay damages as they insure the car, not the owner, so it doesn't matter WHO let the handbrake off, except that if they knew who, and it was found to be a criminal act then they could, in turn, sue that person for damages and if not then it is up to them to claim from the criminal comp board.

Unless, of course, if they calimed that the moving car was an act of God, in which case they would need to sue God.

No NCD liability in either case.

The third party section of the policy covers the insured against claims resulting from negligence of the insured or authorised driver putting it in simple terms. If there is no negligence there is no liability on the insurers to pay for third party damage.

If there is any claim made under a policy, no claim bonus is affected except in a couple of exceptional circumstances and this is not one of them. And the term 'Act of God' is an urban myth that never appears in an insurance policy

MikeyC123

If the police ever caught the person who did this could you not take a civil action in the small claims court against that person for damages and they have to pay you over X years ? (assuming they have a job)

mattymoo

MikeyC123 wrote: »

If the police ever caught the person who did this could you not take a civil action in the small claims court against that person for damages and they have to pay you over X years ? (assuming they have a job)

You can try it but to be honest it tends to be a waste of money since the kind of person we are talking about generally has no assets and sticks 2 fingers up to the entire process.