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car crash

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kevmart
kevmart Posts: 3 Newbie
in Motoring
I was driving my car quite slowly and a car came around the corner and smashed into me. I have ins, tax etc but the driver of the other car had no insurance and di not have a licence. My car is a write off . Will my insurance company pay out. Police were involved

Comments

  • Scooby_Doo.
    Scooby_Doo. Posts: 295 Forumite
    Only if you have comprehensive insurance, els it's the MIB for you.
  • Strider590
    Strider590 Posts: 11,874 Forumite
    Hope they got at least some details from him!!!
    “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 \/ \/ \/
  • kevmart
    kevmart Posts: 3 Newbie
    thank you yes i have full comp . will my insurance go up
  • Scooby_Doo.
    Scooby_Doo. Posts: 295 Forumite
    kevmart wrote: »
    thank you yes i have full comp . will my insurance go up

    Yes, you're more of ar risk now.
  • patman99
    patman99 Posts: 8,532 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Photogenic
    Not your fault as you were hit by an uninsured driver. However, if you did not protect your ncd then you could be in for quite a shock when you renew.
    Never Knowingly Understood.

    Member #1 of £1,000 challenge - £13.74/ £1000 (that's 1.374%)

    3-6 month EF £0/£3600 (that's 0 days worth)

  • Scooby_Doo.
    Scooby_Doo. Posts: 295 Forumite
    patman99 wrote: »
    Not your fault as you were hit by an uninsured driver. However, if you did not protect your ncd then you could be in for quite a shock when you renew.

    Maybe the OP hit the uninsured driver. No insurance doesn't automatically mean @ fault.
  • vaio
    vaio Posts: 12,287 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    If whoever hit you is identified (car or driver) but uninsured and caused the accident then......

    if you claim off your own insurance you will lose ncb, get a premium loading for an at fault claim and have to pay your excess.

    If you claim off the MIB you keep your NCB, will get a possible premium loading for a non fault accident and won't have to pay your excess.

    The MIB might take longer to process the claim and will also pay consequential costs like car hire, loss of earnings etc but you'll have to fund them up front first.

    Your own insurance will probably be quicker but will likely only give you the hire car etc if your policy explicitly states it will
  • paddedjohn
    paddedjohn Posts: 7,512 Forumite
    Part of the Furniture
    scooby_doo. wrote: »
    maybe the op hit the uninsured driver. No insurance doesn't automatically mean @ fault.

    the op states that they were hit by the uninsured driver not the other way around.
    Be Alert..........Britain needs lerts.
  • kevmart
    kevmart Posts: 3 Newbie
    Scooby_Doo. wrote: »
    Maybe the OP hit the uninsured driver. No insurance doesn't automatically mean @ fault.


    the car that smashed into mine came across my side of the road and pushed me yp the bank.:j
  • Scooby_Doo.
    Scooby_Doo. Posts: 295 Forumite
    kevmart wrote: »
    the car that smashed into mine came across my side of the road and pushed me yp the bank.:j

    What have your insurance company said?

    What did the police say?
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