Accident with uninsured driver

wba31

My brother was hit by an uninsured driver the other night, the other party offered him £1000 to sort it out which he was prepared to take, but now he can't get a hold of the other person (surprise surprise!)

He's got the other party's name and car details, so mentioned to me that he is now looking at going through his insurance. He has called the police who aren't interested...

I've seen on here that in his case he may not need to go through his own insurance, but there's another way of redeeming costs, but I can't for the life of me remember what it is?

any advice on how he should proceed would be appreciated. He is 23 with 4 years no claims, so he's eager to avoid jeopardising his good driving history due to someone else too selfish to get insured...

Sgt_Pepper_2

Do you mean through the MIB?

What do you mean by the police weren't interested?

Has he actually reported the incident?

wba31

Sgt_Pepper wrote: »

Do you mean through the MIB?

What do you mean by the police weren't interested?

Has he actually reported the incident?

The MIB yes!

He spoke to the police, who said "you just need to speak to your insurance company..."

when you say reported the incident, do you mean notifying his insurance?

George_Michael

I think that the biggest mistake that your brother made was not calling the police the moment they found out that the over driver was not insured.

Unless you have an independent witness to the accident, it will come down to the word of two people, and I can't see any way that you brother will get any money from the other driver.

By now, the other driver has probably had their car repaired and has an ironclad alibi for the time of the accident.

wba31

George_Michael wrote: »

I think that the biggest mistake that your brother made was not calling the police the moment they found out that the over driver was not insured.

Unless you have an independent witness to the accident, it will come down to the word of two people, and I can't see any way that you brother will get any money from the other driver.

By now, the other driver has probably had their car repaired and has an ironclad alibi for the time of the accident.

At the time of the accident the guy in the car (passenger) told him that his partner (driving) was a named driver on his policy. It was only on the phone later in the day that he admitted she wasn't insured.

knightstyle

Did your brother get any independent witnesses or pics of the accident? Did he fill in an accident form and get it signed by the other party?
Without any of these I fear they will come up with at least one "independent" witness to say the accident is your brothers fault!
Sorry but that is how it is at the moment.
MIB works but can take a long time, 8 months in my DDs case.

dacouch

Is there a policy on the car that hit you irrespective of whether the driver was named on it?

colino

When you remember your two independent witnesses names, make a full report at the local copshop. (Funny they weren't interested before with a hit and run driveaway and three people now rubbing their whip-lashed necks).
Take it to the nth degree, he is probably disqualified as well, hence the instant and now retracted cash offer.

wba31

dacouch wrote: »

Is there a policy on the car that hit you irrespective of whether the driver was named on it?

Yes, the passenger in the vehicle is insured to drive it. His partner was driving, she is not insured

Notmyrealname

This is the time that the £10,000 legal cover you paid extra for with your insurance comes into its own. Use it to sue the other driver.

shaun_from_Africa

Notmyrealname wrote: »

Use it to sue the other driver.

And also the passenger (if they are the owner of the car), and they were acting illegally by allowing an uninsured driver to use their motor.

If you can get a message to the driver & owner, it might be worth mentioning this and stating that you will be reporting the owner to the police.

I know that the police probably won't be interested, but it may get the owner worried enough to act.