Hit and run on parked car

atrixblue.-MFR-.

liam8282 wrote: »

What is your advice?

Have you read the MIB website?

IMO it is worth submitting a claim to the MIB, if you disagree, please do tell what you suggest.

its not worth going through mib under untraced driver agreement as there is NO PERSONAL INJURY CLAIM and the driver hasnt been ID.

What are the Untraced Drivers’ Agreements?
These agreements between the Secretary of State for the Environment and Transport and MIB explain the precise circumstances under which an application from a victim of untraced motorist will be paid.

In general terms, the 1972 agreement specifies that MIB will make an award for compensation to the victim of a negligent untraced motorist in respect of personal injuries only, where such injuries are caused by the use of a vehicle which is required to be insured by law.

The 1977 agreement simplifies, for certain cases, the procedures detailed under the 1972 agreement.

The 1996 agreement consolidates the 1972 and 1977 agreements, updates references to statute and introduces a further requirement that to be eligible for compensation the applicant must have reported the accident to the police within a reasonable period. The 1996 agreement applies in respect of accidents occurring on or after 1 July 1996.

The 2003 agreement applies in respect of accidents on or after 14 February 2003 and consideration will be given to property damage subject to the accident being reported to the police within 5 days or as soon as reasonably possible and the offending vehicle is identified. Claims will be subject to a £300 excess.


as said get repair either through your insurance, or buy a door from a scrappy and get it painted by a back street dan the man.
perhaps you need to read things before you post.

liam8282

Quentin wrote: »

I gave my "advice" in post #3.

You clearly don't understand the MIB scheme, so maybe you should read up on it!

Well I have had to use them before, so I do know a bit about them.

Quentin wrote: »

The OP would be wasting his time going to the MIB without the identity of the culprit vehicle.

After looking over it again, I admit I am wrong.

I was thinking along the lines of not knowing the driver of the vehicle.

liam8282

atrixblue.-MFR-. Yes, saw that too. Was pointed out by dacouch

Was only trying to help!

BillTrac

I was out for my evening run least weekend. Watched a car being driven very slowly and erratically along the road. Next thing I know there's an almighty bang as the car hit a parked Focus. Then ended up on the pavement on the other side of the road.

I thought the driver was going to get out and walked towards it to see if help was needed. Just as I got near it drove off again! Noted the registration and ran after the car which was almost 'crabbing' because it's suspension was damaged. It struggled for about 200 yards then stopped again. A women in her late 60s/early 70s got out (and I wasn't sure if she was drunk,shaken or just unsteady on her feet) locked the car and went indoors.

I went back to the hit car, and it's offside front wheel was pushed back and almost underneath the car. Gave all the details to the owner who was out there by this time, told him about the other vehicle and left.

Heard the next morning the police had arrested her for drink driving and failing to stop.

Now if I hadn't seen it, by the time they found out what happened she would have either probably sobered up, free to drive again. Or ruined any breathalyser by having a few more drinks indoors.

liam8282

What happened to me...

A few years ago, I was sat inside my house watching tv at about 7pm, heard a loud bang so went outside to see what it was.

A car had smashed into a neighbours car, hit the kerb at the otherside of the road and bounced back smashing into my car, which in turn smashed into my girlfriends car parked behind me.

The people driving ran off. There were 2 mobile phones in the car, both ringing after the crash, cans of beer (that they had obviously been drinking). The police did trace the phones and got finger prints etc. from the cans, but could not prove who was driving, only that these people had been in the car at some point.

The next wild goose chase was trying to find the owner of the car, the crash happened in Leeds, the last known owner of the vehicle was from Hull, but all attempts to trace this person failed. The car was driving around with expired tax.

In the end I was only insured TPF&T, so had to claim through the MIB, as did my girlfriend. Both our claims were paid.

vaio

To summarise (as I understand it)…..

Damage and injury claims will be paid by the MIB but only if either the car or the driver can be identified.

Damage claims where the driver can’t be identified are subject to a £300 excess. All injury claims and damage claims where the driver is identified have no excess. A wide range of out of pocket expenses can be added to your claim.

If you claim on your own insurance then you/your insurance company can’t subsequently recover their costs via a claim from MIB, so you need to choose at the start, either go to MIB or your own insurance.

If you go via your own insurance it will go down as a fault claim with all that entails in terms of NCB & loaded premiums.

I vaguely remember reading about a case where an MIB claim was used not for the main damage but to recover uninsured losses but can’t remember the outcome

Quentin

vaio wrote: »

Damage claims where the driver can’t be identified are subject to a £300 excess. All injury claims and damage claims where the driver is identified have no excess......

There is always a £300 excess for all property damage claims, irrespective of whether or not the guilty driver is traced.

dacouch

vaio wrote: »

To summarise (as I understand it)…..

Damage and injury claims will be paid by the MIB but only if either the car or the driver can be identified.

Damage claims where the driver can’t be identified are subject to a £300 excess. All injury claims and damage claims where the driver is identified have no excess. A wide range of out of pocket expenses can be added to your claim.

Damage claims under the untraced driver agreement are not covered


If you claim on your own insurance then you/your insurance company can’t subsequently recover their costs via a claim from MIB, so you need to choose at the start, either go to MIB or your own insurance.

If you go via your own insurance it will go down as a fault claim with all that entails in terms of NCB & loaded premiums.

I vaguely remember reading about a case where an MIB claim was used not for the main damage but to recover uninsured losses but can’t remember the outcome

An interesting rule the MIB have for credit hire, is that if the policyholder has taken out the waiver insurance some CH companies offer. Then the MIB won't pay back the CH charges.

They are also pretty strict on keeping CH charges to a reasonable level.

http://www.mib.org.uk/Customer+Services/en/Making+a+claim/Claims+Explained/Credit+Hire.htm

vaio

Quentin wrote: »

There is always a £300 excess for all property damage claims, irrespective of whether or not the guilty driver is traced.

Not according to the MIB……..


"Where MIB accepts a claim is one for payment, property damage claims (which includes claims for losses arising from the damage to property, as may be allowed by a court) will have an excess of £300 deducted. If the accident occurred before 1 October 1999, the excess applicable (under the previous Uninsured Drivers' Agreement) will be £175.
For accidents dealt with under the under the Uninsured Agreement, that occur on or after 07 November 2008, no excess will be deducted. For accidents dealt with under the Untraced Agreement, the £300 excess still applies."

http://www.mib.org.uk/Customer+Services/en/Making+a+claim/Claims+Explained/Claims+Questions.htm

vaio

dacouch wrote: »

......Damage claims under the untraced driver agreement are not covered......

Again, according to the MIB they are (since 2003).......


"What if the motorist cannot be identified?

If you have been injured by a vehicle that does not stop, you will be able to submit a claim under the Untraced Drivers' Agreement. Damage to property claims can only be considered if the accident occurred on or after 14 February 2003......"

http://www.mib.org.uk/Customer+Services/en/Making+a+claim/Claims+Explained/Claims+Questions.htm