Please help....really miffed!!

Doodlebug1

hi all,

just wanted some help or even reassurance, this is the story so far,

yesterday my son and i were sat in our house and i happen to be looking outsie when two idiots driving at least 80mph crashed into my car and my friends car. the left the vehicle and ran off. police have informed us that is was unregistered, not stolen, bought under a false address, uninsured etc and as such will not be classed as a crime which has now caused a masive problem with my insurance company. they have told me that it willbe classed as a faultclaim (even though it was a parked car and we were in the house) as they cant claim the money back off anyone which means i lose my excess, m no claims years and of course insurance will now be sky high!!

please someone tell me what i should/could do? i have ontacted motors insurance burea who said they can only deal with my excess which they will deduct 300 from so i only recieve 50 back but will not be able to help me in terms of fault/non fault claim.

my obvious worry is that i lose my no claims (2 years wasnt protected), i will have to declare it as my fault so insurance will be near impossible, i lose 350 excess which will probably be deducted from the write off check, i also just bought insurance two weeks ago so will also lose that money as i dont think i will be able to afford a new car to transfer the insurance over too (a two yr old and new baby on the way = no money).

is there anything that iv not tried or should attempt next - i am soo angry that this has happened - how can ppl get away with ths!!!

sorry for the terrible grammer and spelling, using one hand as have child in the other!!

thanks for reading if you got this far:mad:

Quentin

"Fault Claim" covers all claims that your insurer cannot get full reimbursement for from another party - not that the claim was as a result of your fault.

Unfortunately the consequences for your insurance are the same - you will lose NCB and get premium loadings in future just the same as would have happened had you caused the damage yourself.

vaio

Cancel the claim with your insurance company and claim the whole thing off the MIB under the untraced drivers scheme.

No excess to pay, no loss of NCB and not fault claim but you will still have to declare a non fault incident which will impact on future premiums

Quentin

vaio wrote: »

Cancel the claim with your insurance company and claim the whole thing off the MIB under the untraced drivers scheme.

No excess to pay, no loss of NCB and not fault claim but you will still have to declare a non fault incident which will impact on future premiums

The MIB do charge £300 excess for untraced driver claims.

vaio

Yep, but going the MIB route is still a no brainer compared to her own insurance.

MIB......no fault claim on record, £300 excess (maybe none if the driver gets caught), car hire & other related losses whilst it’s being sorted out get covered, no loss of NCB, existing car policy carries on as normal.

Own insurance…….fault claim, lost NCB, full excess, limited (if any) car hire and if she’s with one of the companies that ends a policy on a total loss payout she loses the remaining 50 weeks of her current policy.

Doodlebug1

But if (which is likely) my car is a total loss, who would pay out for the car? and who will sort the car getting it to the garage and declaring it written off?

Thanks for the replies so far guys, super fast!

Quentin

If you use MIB, then they will deal with your costs (you would have to pay to get your car moved etc up front) once they agreed to compensate you. This will take some time (Months not weeks). If you claim off your own insurance, then they will cover the removal costs etc.

oldhand

Quentin wrote: »

"Fault Claim" covers all claims that your insurer cannot get full reimbursement for from another party - not that the claim was as a result of your fault.

Unfortunately the consequences for your insurance are the same - you will lose NCB and get premium loadings in future just the same as would have happened had you caused the damage yourself.

And people wonder why law abiding citizens wonder if they would be better off NOT insuring their cars?

Quentin

oldhand wrote: »

And people wonder why law abiding citizens wonder if they would be better off NOT insuring their cars?

Well..........had the OP taken that view, and not bothered with insurance at all, how would it have helped the present problem?

vaio

OP, imagine the driver that hit you had insurance from the Pru and fessed up to hitting your car.

If you go to the MIB they will behave exactly like the Pru would in the above. You will get the money for your car, any linked costs like recovery, and any reasonable costs for taxis/car hire until you get paid out for your car etc etc.

The only downside is that MIB have a £300 excess (although this doesn’t apply if the police manage to catch the driver) and are likely to take a while to sort it out, collect police reports etc so you might have to pay certain things yourself and then claim them back.

Going via your own insurance will be quicker but, apart from the loss of NCB and fault claim on your record, some companies terms & conditions end a policy on a total loss pay out which, given your policy is only 2 weeks old, could be a significant loss.

brownie4583

I sympathise with you,the same thing happened to me a few years ago.I was sat in my car outside a shop stationary,and a speeding car hit mine and then drove off.The car or driver was never found so i lost 2 years no claims and had to pay £150 excess as well!It is maddening but unfortunately there isn't a lot you can do as there is no one to claim off,so you have to claim on your own insurance.