Car hit mine and drove off

lloydearle

a car hit mine then drove off outside my house, we have tried to look through cctv and not found anything so there is little chance of finding the third party.

the amount of damage equates to £1800 worth.

will i loose my NCB if i claim this through the insurance?

i don't see why i should as its not my fault, but i do know how reluctant insurance companies are to pay out money

thank you in advance

Lloyd

mysk_girl

This happened to me, I had to claim on my own insurance and lost 2 years of my NCB.

McKneff

You will lose some NCD and your premiums will rise
Is there a lot of damage. You have to weigh up the costs.

InsideInsurance

If you claim off of your insurance then it is a fault claim. Insurers work on the basis of if they manage to recover their outlay or not and not anything to do with blame.

You may want to look at claiming from the MIB's Untraced Driver Agreement that would preserve your NCD but a £300 excess is payable (see http://www.mib.org.uk/Customer+Services/en/Accidents+in+the+UK/Untraced+Drivers+Agreement/Untraced+Agreement.htm). As they technically represent the other driver they arent necessarily going to be as nice and friendly as your insurers may be

shelly

You will also have to pay your excess.

lloydearle

thank you for the reply

it does need to be fixed i only bought the car two weeks ago for my girlfriend as a xmas present.

the excess is £300 anyway on our insurance so if we can at least save our NCB that would be something

dunstonh

Car hit mine and drove off

Dont get too many mines in this country. It did well to drive off

vaio

InsideInsurance wrote: »

......You may want to look at claiming from the MIB's Untraced Driver Agreement that would preserve your NCD but a £300 excess is payable (see http://www.mib.org.uk/Customer+Services/en/Accidents+in+the+UK/Untraced+Drivers+Agreement/Untraced+Agreement.htm). As they technically represent the other driver they arent necessarily going to be as nice and friendly as your insurers may be

Worth a look but I'm pretty sure there is no excess any more but the big stumbling block is going to be the need to identify either the driver or the car. Without one or the other the MIB can do nothing

Which insurer were you think of re the "nice & friendly" bit?

thenudeone

You should report this to the police.

You are the victim of a fail-to-stop accident. The other driver has committed an offence.

It's possible (though unlikely) that someone has reported to the police that they hit a parked car and there was no-one around to exchange details with.

It's also possible (but again unlikely) that the police found a stolen car or a drunk driver in the area with some unexplained accident damage.

In either case it could mean you get some else's insurance to pay for the damage:)

InsideInsurance

vaio wrote: »

Which insurer were you think of re the "nice & friendly" bit?

I was always nice and friendly back in my customer facing days.... I said "no" in my politest voice everytime

Quentin

vaio wrote: »

Worth a look but I'm pretty sure there is no excess any more ......

£300 excess to pay for damage claim from an untraced driver.