Hit by uninsured driver

Aretnap

vaio wrote: »

You could try credit hire but I'm not sure if they would be interested

There do seem to be accident management/credit hire companies which deal with MIB claims. No idea how good they are or whether there are any catches. An example is

http://www.uninsured-claims.co.uk/uninsured-driver-claims.php

Not imtended as a recommendation for that particular company - they're just one of the first ones which came up on a Google search.

Aretnap

jordanmanton wrote: »

Why can't I go through MIB after my insurance has sorted my car out?

Basically because the MIB is primarily an insurer of last resort. It was set up mainly to ensure that victims of uninsured drivers weren't left destitute if they were badly injured and unable to work, not to ensure they didn't lose their no claims bonuses. So it doesn't deal with subrogated claims (ie claims your own insurer has already paid out for). Once you make a claim on your insurance it's Swiftcover's money which is being spent on the repairs, not yours. Swiftcover are big boys, paying for repairs is what they do for a living and they don’t need an organisation like the MIB to bail them out.

I'm sure whether you can make a claim on your own policy and then claim your excess from the MIB but it would be worth finding out. Certainly if you were injured (is that what you mean by unable to move for 2 days?) you could still claim for personal injury through the MIB.

jordanmanton

Aretnap wrote: »

Basically because the MIB is primarily an insurer of last resort. It was set up mainly to ensure that victims of uninsured drivers weren't left destitute if they were badly injured and unable to work, not to ensure they didn't lose their no claims bonuses. So it doesn't deal with subrogated claims (ie claims your own insurer has already paid out for). Once you make a claim on your insurance it's Swiftcover's money which is being spent on the repairs, not yours. Swiftcover are big boys, paying for repairs is what they do for a living and they don’t need an organisation like the MIB to bail them out.

I'm sure whether you can make a claim on your own policy and then claim your excess from the MIB but it would be worth finding out. Certainly if you were injured (is that what you mean by unable to move for 2 days?) you could still claim for personal injury through the MIB.

Great, thank you for your help.

So, I think I'm just going to have to take the losing NCD on the chin. I think my insurance are trying to get in touch with the 3rd part so I will leave it for a week or two and then probably go down the MIB route.

I'm not sure about claiming personal injury. I have been in quite a lot of pain but I will see how I am next week after a bit more rest. I'm quite frustrated as I'm a very active person and the fact I can't even bend down without pain is getting me down.

Thank you for the advice anyway. I guess it is just a waiting game now.

vaio

If you are intending going to MIB for the car (as opposed to injury and uninsured losses) then be careful that your insurer don't progress the claim to the point where their outlay means lost NCB anyway

jordanmanton

vaio wrote: »

If you are intending going to MIB for the car (as opposed to injury and uninsured losses) then be careful that your insurer don't progress the claim to the point where their outlay means lost NCB anyway

It is looking my car is a write-off, more bad news. I don't think I had gap insurance on the car so I'm assuming I'll have to pay the remaining finance as the insurance money I get won't cover it?

Am I right in thinking I can't claim that back from MIB? It's looking like just simply waiting out the lights is going to cost me thousands!

Aretnap

Claiming through the MIB will only get you the current market value of your car - which may well be less than the amount outstanding on the finance agreement.

If the car's less than a year old and you claim on your own policy most insurers will pay the full purchase price. Though not all of them - check your policy documents. Otherwise again they'll only pay its current market value.

OnanTheBarbarian

You can't claim the shortfall on the settlement figure of the finance from the MIB as that is a separate financial arrangement too remote from the duty of care owed by the uninsured idiot.

Sounds to me like an injury claim would be a worth while pursuit here, if only to try and address the obvious financial losses you will end up enduring.

Use you insurance for the vehicle claim and the MIB for recovery of uninsured losses such as excess and personal injury etc

jordanmanton

OnanTheBarbarian wrote: »

You can't claim the shortfall on the settlement figure of the finance from the MIB as that is a separate financial arrangement too remote from the duty of care owed by the uninsured idiot.

Sounds to me like an injury claim would be a worth while pursuit here, if only to try and address the obvious financial losses you will end up enduring.

Use you insurance for the vehicle claim and the MIB for recovery of uninsured losses such as excess and personal injury etc

I think that is the route I'm going to have to go down. Even if I get some personal injury, I'm not sure it's going to cover anywhere near what I stand to lose.

spacey2012

Pay £4 I think it is to see if THE CAR had insurance held upon it.
If the car was insured the drivers details matter not for third party.
The two are different, ask MID can search on the date for any policy covering the car as opposed to the driver.

losgiganteskid

dacouch wrote: »

Did the other party look like they have assets

That's a very personal question to ask a lady ??