Hit and run on parked car

dacouch

vaio wrote: »

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

Providing either the car and / or driver can be identified for damage claims

vaio

dacouch wrote: »

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

I suspect that applies to the untraced driver as as I read it the MIB are obliged to pay unsatisfied judgements obtained against an identified uninsured driver and so if that judgement includes CH fees then they get paid too. I suppose the MIB could get involved in the court case and as such could avoid CH fees if they could convince the judge of the merits of doing so.

Generally on the credit hire bit, surely all they are doing is applying the rules that all insurance companies should be applying? Duty to mitigate and all that?

It get tricky for normal insurers to apply these rules given the enthusiastic way they pass policy holders onto CH firms in return for a few ££ in referral fees rather than dealing with it in house.

Didn’t I read somewhere that CH claims adds £80 to policies compared to the £30 that uninsured drivers add?

dacouch

The not being able to recover the CH costs if the customer has purchased the waiver is unique to the mib.

The duty to mitigate losses applies across the board, in theory an insurer can defend a CH claim on the basis of the customer impecunious eg the customer had sufficient funds to finance their own (Cheaper) car hire. Although this is not an exact science as there are land mark cases challenging it so it's difficult to rely on.

CH is thought to add circa £80 to each policyholders premium

vaio

dacouch wrote: »

Providing either the car and / or driver can be identified for damage claims

Which brings us full circle to the second line of my post #17

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. .......