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Hit by an uninsured driver from behind, my car write off
Hi
On Tuesday evening around 7:30pm i was driving to visit my mum and stopped at a giveway. My car was at a standstill, while i let the traffic go by and waited to see an opening. I heard a screaching sound, looked in the rear view mirror.and was then hit from behind by a car that i believe was speeding. i got out of the car and told the driver that he must have been going at least 40 miles an hour. A pedestian who was walking past also had a go at the other driver and told him not to drive so fast because there are kids that play in the street.
i am fully insured with £350.00 acccess. My car has over 200k on the clock but with full vw service history. I paid around £800.00 early in January and know that my insurance will not pay me that much for it. the problem is that the other driver is not insured. i have reported him to the police when i discovered that he had no insurance.
my insurance company took my car yesterday and will not provide a courtasy car as this is normally billed to the third party insurance.
Any advise, suggestions or likly outcomes would be welcome
On Tuesday evening around 7:30pm i was driving to visit my mum and stopped at a giveway. My car was at a standstill, while i let the traffic go by and waited to see an opening. I heard a screaching sound, looked in the rear view mirror.and was then hit from behind by a car that i believe was speeding. i got out of the car and told the driver that he must have been going at least 40 miles an hour. A pedestian who was walking past also had a go at the other driver and told him not to drive so fast because there are kids that play in the street.
i am fully insured with £350.00 acccess. My car has over 200k on the clock but with full vw service history. I paid around £800.00 early in January and know that my insurance will not pay me that much for it. the problem is that the other driver is not insured. i have reported him to the police when i discovered that he had no insurance.
my insurance company took my car yesterday and will not provide a courtasy car as this is normally billed to the third party insurance.
Any advise, suggestions or likly outcomes would be welcome
Thank you
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Comments
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Have you got legal protection cover?0
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i dont know but check. what if i have what does that mean?Thank you0
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It means you can ask them to pursue the other driver to reimburse you and the insurance company.
If not and the other driver wont pay then you would have to take them to small claims. Has the other driver offered to pay you?0 -
If he's of British origin and gave you his real details, you could pursue for costs. If not then it doesn't look good at all, he'd be impossible to trace.“I may not agree with you, but I will defend to the death your right to make an a** of yourself.”
<><><><><><><><><<><><><><><><><><><><><><> Don't forget to like and subscribe \/ \/ \/0 -
This. You can sue him in the small claims court for the amount. Did the police attend and seize his car? If not why not?Strider590 wrote: »If he's of British origin and gave you his real details, you could pursue for costs. If not then it doesn't look good at all, he'd be impossible to trace.0 -
It means you can ask them to pursue the other driver to reimburse you and the insurance company.
You can ask them to, but they wont bother as it wont be profitable because he's probably on the dole and only able to pay back a pound a week for the next 16 years.
What will happen is pretty much as you said in the OP, they'll give you a derisory offer for the car and then deduct your excess. The excess and any personal injury you might have to claim back via the MIB which takes ages. With a bit of luck the combined total of excess and injury might be enough to get a car in similar condition to the one you have now, since it sounds like, despite being old, you have looked after it wheras most cars in that price bracket are going to be unreliable POSes.
I'd suggest gathering evidence of it's condition, reliability and how well maintained it is for when the assessor comes to try and push the price up a bit. Do try and be nice to the assessor though. They're supposed to be independent and impartial but you don't want to p them off when they visit.
How bad is the actual damage? Would it be possible to buy the remains back and stick a new bumper on?0 -
If you paid £800 for the car and your excess is £350 you're probably better to not claim. What you get back will probably be wiped out by the increase in premium over the time you have to declare the claim. Is the car repairable on a budget? If not could you break the car and make some money that way? You could even get a couple hundred pounds as scrap metal.0
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You can ask them to, but they wont bother as it wont be profitable because he's probably on the dole and only able to pay back a pound a week for the next 16 years.
Most likely scenario but some choose to take the chance of no insurance rather then can not afford it.
http://www.sundaymercury.net/news/crime-news/2009/09/13/170-000-porsche-supercar-among-luxury-motors-seized-for-having-no-insurance-66331-24672478/
You are probably right though.:o0 -
can the Motor Insurance Bureau help? they deal with uninsured/untraced drivers?0
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