Uninsured Driver Accident

highland74

Hi, hope someone can help me with a question about an accident my parents had several months ago.
They were hit in a supermarket parking lot whilst sat in the car, another car reversed into the driver side of them, causing damage to the car and some pains to my parents.
To cut a long story short, the issue was supposed to have been sorted - the other driver providing insurance details which checked out and after several months figures for settlements agreed - but now, the insurance company has apparently told my parents the driver is uninsured. ??
They're not sure whats going on - does anyone have any idea what can cause that turnaround? Could the driver have cancelled the policy right after the accident trying to avoid something or other??

Will the now have to claim anything off their own insurance? (seems a bit off!)

Any suggestions welcome, thanks in advance!

jonathon

if you are hit by an uninsured driver and you have his details put in a claim with the motor insurance bereau

http://www.direct.gov.uk/en/motoring/owningavehicle/motorinsurance/dg_067639

Julia_Villerman

hey..im new to this site and i too had an accident about a mnth ago.....i was in total shock at the time with my new born n the car at the time....and becasuse there wasnt too much damage to either vehicle i never called the police....but a week later i am having some neck pains can i still claim... ( i was hit from behind and i have the drivers details)

Notmyrealname

Julia_Villerman wrote: »

hey..im new to this site and i too had an accident about a mnth ago.....i was in total shock at the time with my new born n the car at the time....and becasuse there wasnt too much damage to either vehicle i never called the police....but a week later i am having some neck pains can i still claim... ( i was hit from behind and i have the drivers details)

You have up to 6 years to claim.

thenudeone

Go to https://www.askmid.com to get the insurer's details on the date of the accident, then contact them directly and see how it goes from there.

highland74

Thanks very much guys thats helpful

londonTiger

their insurance could have been voided for a number of reasons, when you call to make a claim or inform insurers of damage, they will go through all your info again, your occupation, who drives the vehicle, where were you driving to, what you use your vehicle for etc..

If you are insured for social and domestic only, and then you phone up the insuers and go through to the friendly and jovial welsh or scouse woman who asks you for all your details, and you slip up and say you were driving to work (when ur policy doesn't cover it).. They have that info now and can decide to void the insurance at their discretion because the the vehicle was used for a purpose that it wasn't insured for.

So if the claim is massive, say £15000, and the driver has paid £1000 for insurance for that year, they may decide to give his insurance premiums back, void the insurance and leave him stranded.

dacouch

If there was a certificate of Insurance issued there are only a very few chances that the other Insurer can avoid paying out valid third party claims as they're bound to by the Road Traffic Act.

Get in contact with their Insurers and ask them to pay the claim as they're bound to by the RTA, or have a word with your own Insurers for advice

vaio

Julia_Villerman wrote: »

hey..im new to this site and i too had an accident about a mnth ago.....i was in total shock at the time with my new born n the car at the time....and becasuse there wasnt too much damage to either vehicle i never called the police....but a week later i am having some neck pains can i still claim... ( i was hit from behind and i have the drivers details)

Notmyrealname wrote: »

You have up to 6 years to claim.

Six years for damage, only three for injury

Boycie02

Can someone tell me what is the difference between an RTA insurer and an Article 75 insurer please - in basic terms

Thanks

vaio

My understanding is is they are tied in with (or a response to) some of the various EU insurance directives and......

RTA insurer refers to the duty imposed (by s 148 & 151 RTA) on insurers to pay up for damage done to third parties by a car they insure when it is being driven by someone who isn't insured under the terms of the policy. There are a few exceptions to this, one of which is that it only applies if the accident happens whilst the policy is in force.

Article 75 is an agreement between the MIB & insurers where, under certain circumstances, an insurer has to pay for damage to a third party done by a car they insure (or in some cases had previously insured) if the circumstances are such that there is no RTA s148 & 151 insurer.

Article 75 liability can exist even if the policy has ended before the accident happened, RTA liability can't exist if the policy had ended before the accident happened.

It's all a bit complicated and legal, no doubt others more knowledgeable will be along soon to add more or if you have a specific question maybe get in touch with the MIB