car accident, guy at fault NOT insured

Quentin

Lum wrote: »

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.

It is wrong. (Your situation was clearly not the same as you were refused by the MIB!)

You are unnecessarily scaremongering on this issue.

Why not get acquainted with the MIB uninsured scheme, and read up on it!

Sgt_Pepper_2

vax2002 wrote: »

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.

Where does he get it from?

neilmcl

Sgt_Pepper wrote: »

Where does he get it from?

Obviously the same place where Lum gets his.

xoleeb

do not talk like an !!!!! fool!

vax2002 wrote: »

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.
Failure to do so would leave you open to prosecution for assisting an offender, it is a very serious offence.

atrixblue.-MFR-.

vax2002 wrote: »

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.

jeeze. no offence has been commited by the OP in what ever way possible, where did you get this from??? and the rest of the black and white dribble from you last post?

post up a link to your claims i would love to read through it.

because the only offence i know of uninsured drivers is aiding an abbeting and that requires you to be in same vehicle an know the driver was uninsured, and carries the same penalties as driving without insurance 6 points £200 fine if you have a license nothing usually if you dont just a slap on wrist.

MIB wont pay out on damages to you vehicle due to uninsured losses, they will pay for injuries sustaned and or damage to fixings ect this is where the council slap you in the face when you damage a barrier and not inform them but have your reg from cctv.

Sgt_Pepper_2

atrixblue.-MFR-. wrote: »

jeeze. no offence has been commited by the OP in what ever way possible, where did you get this from??? and the rest of the black and white dribble from you last post?

post up a link to your claims i would love to read through it.

because the only offence i know of uninsured drivers is aiding an abbeting and that requires you to be in same vehicle an know the driver was uninsured, and carries the same penalties as driving without insurance 6 points £200 fine if you have a license nothing usually if you dont just a slap on wrist.

MIB wont pay out on damages to you vehicle due to uninsured losses, they will pay for injuries sustaned and or damage to fixings ect this is where the council slap you in the face when you damage a barrier and not inform them but have your reg from cctv.

That's four times he's been seriously wrong about insurance in the month I've been here. Does he have form for it?

Crabman

neilmcl wrote: »

Obviously the same place where Lum gets his.

Lum posted his own experience, how can we say whether it's right or wrong?

The MIB say in their guide booklet (PDF) that if you have comprehensive cover you should make a claim for repair via your own insurer because it's quicker.

It's entirely feasible that they would push this view strongly as it's in their interests to tell people to "go away" because they'll have no admin, no investigation to conduct and most importantly won't have to pay damages.

Why would they care that the victim who contacted them will be screwed in subsequent years through increased premiums?

atrixblue.-MFR-.

Sgt_Pepper wrote: »

That's four times he's been seriously wrong about insurance in the month I've been here. Does he have form for it?

whilst vax has been pretty good with info he's somewhat way off the mark here.

OP you may subject some revenge here, by calling the police giving an accurate description (name addy if you have it with the reg number) and report it to the police annonymouse as an uninsured driver, they will flag it to ANPR and brief local plods about the vehicle and person driving it.

as far as going through insurance, its entirely upto the OP.
this is not a reportable accident to the pols.

have him arrested then inform the police if he goes to court you want the court to acknowladge the damages he caused you.

Quentin

Crabman wrote: »

The MIB say in their guide booklet (PDF) that if you have comprehensive cover you should make a claim for repair via your own insurer because it's quicker.

Well......not really!

This is actually what it says:

If you have comprehensive insurance for your vehicle
We recommend that you make a claim for repair with your own
insurer. You do not have to do this, but the repair will be carried out quicker and will not be delayed by any enquiries that we will have to make about the circumstances of the accident.

Compare my advice (post #4):

Quentin wrote:

Your insurer will still take on your claim. You need to inform them ASAP whether or not you intend using them.

Alternatively you can use the MIB uninsured driver scheme instead. This will take much longer to sort though.

With Lum's completely incorrect but authoritative contradiction (post #12) which started this exchange:

Lum wrote:

The MIB wont pay for the repair. You have fully comp insurance and the MIB only pay out "uninsured losses".

(No mention of this being merely Lum's experience!)

But we can definitely say the advice was wrong, the MIB will deal with this irrespective of what cover you have, and the pros and cons were listed later in the thread in answer to Lum's refusal to stand corrected.

You also have muddied the water for the OP by your poor precis of what you have read about the MIB scheme - though I suppose you at least read it, even if you misquoted it!

Crabman

Quentin wrote: »

Well......not really!

Yes, really.