Crash with uninsured driver

Hattie_s24

Hi all, would be grateful for advice.

Yesterday (23rd) I had an accident with an uninsured driver. We were driving on a 3 lane one way road and she pulled into my lane without looking and went straight into the side of me.

She has written my fairly new car off so there is significant damage.

At the scene my partner was sensible enough to take down her details and policy number and take pictures of both our vehicles. We then had to attend A&E because we were both injured.

On calling my insurance company I have found out that all the details given are fake including the phone number (not an active phone number) and therefore I will have to go through my own insurance policy to make the claim.

We have reported everything to the police but of course they seem completely uninterested.

Now I wouldn't be so worried, but I only passed my test in September and I was unfortunate enough to have my first car stolen back in October this year, so I've already made a claim on my insurance. Obviously this will go on my insurance as an "at fault" claim as its unlikely the driver will be traced and she's definitely uninsured.

What I'd like to know is where do I stand with the MIB in terms of compensation and reclaiming my excess/costs of the damage so my insurance consider this as a "no-fault" claim?

I'm also so worried about getting insured again in August when my premium is due. Its going to cost an absolute fortune with one theft and one at fault claim..

Any advice would be welcome as I'm very worried right now and quite frankly heartbroken. This is the second car in 2 and a half months I've lost through no fault of my own. I try hard to drive as safely as possible and make sure my car is road legal and insured correctly.

Thank you

Quentin

Read up on the. Mib uninsured driver scheme.

You do need the drivers id etc to be able to use MiB


You can do dummy quotes online now with these claims in your history to get an idea of future premiums

FinancialController

Easy to say afterwards but it is usually wise to get the Police to attend if anyone is injured. Other drivers will not lie to them so easily

If you had the registration plate of the other car - report it to the Police and ask them to contact the registered keeper for an explanation

Hattie_s24

Thanks for the replies guys.
I have reported to police and given all the details I was given by the woman + her reg.

I understand you can pay for the DVLA to release information about the registered keeper. If I get this, can the MIB make a claim against the registered keeper even if it wasn't them driving?
I've managed to find out that the car last changed hands on the 29th October 2017, so the person who was driving it yesterday should know the owner.

There was also CCTV directly pointing at the crash site if that helps?

Hattie_s24

I did phone the police but they said they weren't going to come out as the car was not blocking the road.
The driver was very keen to get away once she knew I was calling the police and was not interested in getting any of my details

[Deleted User]

You were in an accident big enough to write off your car, you and your partner were both injured enough to go to hospital, the other car had false plates and just drove off and the police didn't bother showing? Yeah right.

Hattie_s24

Thank you for the constructive comment...
The car wasn't on false plates. The female driver gave me her information - name, address, phone number, insurance details and I have discovered these to all be fake on calling my insurance company.

My partner and I were not significantly injured, he had a head injury and me a soft tissue ankle injury so we got the bus to A&E.

We phoned 101 and they said as long as you can get the car out of the road (which we could by pushing it), they didn't need to attend. I can only tell you the facts

Hattie_s24

I note all your posts are of an inflammatory nature so maybe instead of negativity when people are seeking help from others, try offering something positive

Aretnap

If you have comprehensive insurance you will not be able to use the MIB to pay for the damage to your car. The MIB is an insurer of last resort and will only pay for loses which are not covered by any other insurance policy - including your own. Unfortunately this means there's no way to use the MIB to avoid having a fault claim on your insurance record -the only way to avoid that would be to pay for the car yourself.

You can still use the MIB to claim for your injuries. If the driver can be traced it canl be done under the uninsured drivers agreement, if not it will be under the untaxed drivers agreement, but the end result will be the same.

Hattie_s24

Thanks Aretnap.
My insurance told me that I should be successful through the MIB and to go ahead and make a claim and when they accepted my claim my insurance (admiral) would re-instate my no claims (0 thanks to the theft) and change it to a no fault accident. Were they mistaken?

It seems so unfair that a crash that has CCTV evidence to prove was not my fault should penalise me for years to come

Samsung_Note2

Hattie_s24 wrote: »

Thanks Aretnap.
My insurance told me that I should be successful through the MIB and to go ahead and make a claim and when they accepted my claim my insurance (admiral) would re-instate my no claims (0 thanks to the theft) and change it to a no fault accident. Were they mistaken?

It seems so unfair that a crash that has CCTV evidence to prove was not my fault should penalise me for years to come

If you can obtain a copy of the CCTV...as it can be proven not to be your fault,your insurance should instruct their solicitors to chase the 3rd party.

After all if it was the case of us all simply providing false information and simply getting away with it,no one would ever give the correct details.

Hopefully your insurance company have dealt with this numerous times and whilst its incredibly stressful for you,its just another case for them and no doubt will be able to sort it.