Uninsured Driver Problem

Quentin

If the OP uses the MIB, then they will keep pursuing the student for years to get their money back off him!

chanz4

I thought the MIB charges an excess on claims, almost sure I have seen it.

Will my claim be paid in full?
Responsibility for the accident has to be agreed, decided by a Court in uninsured cases or an arbitrator if the responsible driver is untraced. The decision will be based on the evidence, and your claim may be reduced by a proportion, or possibly rejected if the evidence is that you were partly or wholly responsible.
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.

Quentin

chanz4 wrote: »

I thought the MIB charges an excess on claims, almost sure I have seen it.

They do when dealing with damage by untraced drivers.

But there is no excess to pay when you are dealing with an uninsured driver.

See the quote you have pasted from the MIB website:

.....For accidents dealt with under the under the Uninsured Agreement, that occur on or after 07 November 2008, no excess will be deducted