Uninsured Driver - Role of the MIB?

nirey666

Hi All

Last night a friends stationary car was hit by uninsured driver who was involved in a police chase, who was high on drugs, had no licence and had no insurance. The car has considerable damage.

I am looking for some advice as to how she may recover some costs. My friend is insured fully comp with legal cover by Admiral. They are coming to remove the car today for assessment (potential write off) and have said that she will have to use her own insurance to cover the costs of this (therefore pay her £250 excess and lose NCB).

If the car is a write off it wont cover the finance outstanding.

I wanted to get advice as to what she can do to recover any costs incurred by her. I've had a look about the forum and google and the MIB came up a few times but I cant be clear on what it can be used for? You you still make a claim there if you use your own insurance to cover the costs? Also, what would be the kind of compensation you could pursue in the courts?

Thanks in advance for any advice.

Quentin

Using the courts only works if the defendant has the funds to pay you.

You can use the MIB uninsured driver scheme, though it will take much longer to get the payout.

Irrespective of which avenue used, if the car is a write off, then the payout will be based on its market value prior to the incident, not the size of the loan outstanding.

nirey666

Hi there

Thank you for the response. We understand the the oustanding finance will be her responsiblilty - no one will cover that, its just so frustrating to have done nothing wrong and have all this hassle on you.

Am right in saying that the whole claim could have went through MIB, rather than the insurer to protect NCB and save excess but that would take time? As she needs the car or a car back asap going through the insurer is quicker, but is there a way to do both, i.e go through insurer and then take the hit on the NCB and then try to claim the excess via MIB ?

The liklehood the person will be able to pay back is nil. Drug addict.

Thanks

Notmyrealname

You make your initial claim through your insurer if you are fully comp. Then you/insurer claim off the MIB.

The incident is still reportable to the insurer and will affect future premiums even if you don't lose the NCD.

neilmcl

OP, can you change your font & colour please, it's very difficult to read at the moment.

Curr946

does your friend not have gap insurance, this is often pushed by the dealers when finance is sold.
= Gap insurance covers the difference form your insurance pay out and the outstanding finance.

vax2002

MIB will usually only get involved where no other insurance covers the loss.
As they are fully comprehensive, a policy is probably already in force for the loss.

Sgt_Pepper_2

vax2002 wrote: »

MIB will usually only get involved where no other insurance covers the loss.
As they are fully comprehensive, a policy is probably already in force for the loss.

No, that's not correct.

Quentin

vax2002 wrote: »

MIB will usually only get involved where no other insurance covers the loss.
As they are fully comprehensive, a policy is probably already in force for the loss.

Not so.

It makes no difference to your eligibilty to use the MIB uninsured scheme whether you have comp or third party cover.

neilmcl

vax2002 wrote: »

MIB will usually only get involved where no other insurance covers the loss.
As they are fully comprehensive, a policy is probably already in force for the loss.

As above you are wrong. I speak from experience.

vax2002

I think the clue is in the "UNINSURED" bit