We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
car accident, guy at fault NOT insured
Options
Comments
-
Ok, my partner has been in a similar situation, rear ended by an uninsured Grand Vitara with bullbars fitted, here is how it's going to go down.
1) The MIB wont pay for the repair. You have fully comp insurance and the MIB only pay out "uninsured losses". However if you were injured they will pay out a personal injury claim
2) It's probably going to cost you more than £600 in increased premiums if you declare anything to your insurance, fault or non fault. If you have currently told them nothing it may well work out more cost effective to just get it sorted and keep quiet
3) If you happen to live in South Wales, don't even bother going to the police as they couldn't give two hoots. This was despite the fact that the police actually attended the scene of my partner's accident, and we passed to the police a letter from the insurance company the 3rd party claimed to be with, denying that they had ever insured this person.
4) In theory, the insurance company can persue the Transit van driver for costs, take him to court, get a CCJ etc. In practice they will not do this as they will incur costs in doing so, and then the van driver will say he's lost his job and can only afford to pay £1 a week. It's more cost effective for the insurance company to just pay out for your repairs and screw you over with increased premiums for the next five years.
I realise that this probably isn't what you wanted to hear, but that's how it works. Insurance companies are on nobody's side but their own.0 -
As you are "involved" in this incident you have to report the matter to the police at the first opportunity, that is not an opportunity that suits your schedule.
Although I agree about reporting it (now that it has become clear that the other driver is uninsured), there was no obligation to do so at the time, since the law regarding accidents has been complied with (both parties have stopped and exchanged details, which is all that is required for a damage-only accident).Failure to do so would leave you open to prosecution for assisting an offender, it is a very serious offence.
Don't be so ridiculous.We need the earth for food, water, and shelter.
The earth needs us for nothing.
The earth does not belong to us.
We belong to the Earth0 -
1) The MIB wont pay for the repair. You have fully comp insurance and the MIB only pay out "uninsured losses". ...................................
I realise that this probably isn't what you wanted to hear, but that's how it works. Insurance companies are on nobody's side but their own.
It doesn't matter if the OP wanted to hear it or not - you are giving poor advice!
As previously posted the MIB will take this claim on - the downside is that it will be much longer to sort than by making a claim off the OP's insurer.
The upside is no claim discount is unaffected, no excess to pay, and only a non fault claim to disclose!0 -
It doesn't matter if the OP wanted to hear it or not - you are giving poor advice!
As previously posted the MIB will take this claim on - the downside is that it will be much longer to sort than by making a claim off the OP's insurer.
The upside is no claim discount is unaffected, and only a non fault claim to disclose!
Funny, they flat out refused to deal with us once they found out my partner was fully comp. Said we had to go through our own insurance.
This was back in 2008. Maybe the rules have changed since then?0 -
We were explicitly told that the MIB would not help as it was not an uninsured loss, due to us having fully comp insurance.
Perhaps the person who claimed successfully managed to keep that quiet, or was only 3rd party?0 -
Perhaps the person who claimed successfully managed to keep that quiet, or was only 3rd party?
No.
The uninsured scheme is for anyone to use irrespective of also having comp cover.
Why not read up on it instead of persevering with your inaccurate, though "authoritative" stance over something you are in ignorance of which doesn't help the OP?0 -
Over ten years ago I had an unisured driver drive into my car.
He offerred to get "his garage who did his repair work" to do the repair and he would pay. I did not take up this offer and had the repair done on my fully comp insurance. My insurance told me to make a claim to the MIB. I later received £300 from the MIB.0 -
thenudeone wrote: »Although I agree about reporting it (now that it has become clear that the other driver is uninsured), there was no obligation to do so at the time, since the law regarding accidents has been complied with (both parties have stopped and exchanged details, which is all that is required for a damage-only accident).
Don't be so ridiculous.
Nothing ridicules about it I am afraid, guy says hey I have no insurance dude, please dont tell anyone or I will be arrested, help me cover up the fact I am committing an offence for which a constable of the law would almost certainly arrest me under pace 2006, be a good accessory and let me bung you a few quid.
assisting an offender and perverting the course of justice, one would stick if the other fell off !
Once the other party has declared they have no insurance, any action you take to help them avoid detection would render you liable to prosecution, this is not a matter of observance, you would need to be compliant with the offender, other wise, it is going to come to light.
It would be down to what the court would see as normal procedure, which is to oblige your contractual obligation and report the collision to your insurance, the court would want to know why you did not and if this formed part of the conspiracy to conceal the offence.
If the OP wants good advice:
Report the matter to the police first and then your insurance company.
Let the Mug without insurance fend for himself, after all that what he was prepared to do to anyone else by driving with none.Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0 -
No.
The uninsured scheme is for anyone to use irrespective of also having comp cover.
Why not read up on it instead of persevering with your inaccurate, though "authoritative" stance over something you are in ignorance of which doesn't help the OP?
I make no claim of being an authority on car insurance issues. Just someone who, as a former high mileage driver, has had plenty of experience of being shafted by insurance companies in non-fault accidents.
All I'm saying is what the MIB told us when we were in the same situation that the OP is now in.
If that's wrong then that's good news for the OP and we got screwed over unnecessarily.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.3K Mortgages, Homes & Bills
- 177K Life & Family
- 257.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards