Uninsured Accident - Please Help

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I think the facebook or whatever directs them to what appears to be an insurance website where you fill in you details as normal, and get a very competitive quote.



Even I doubt that people send money via BACS or more likely Paypal to someone who will "fix them up"



(But maybe that is why I'm not rich )

TooManyPoints

Thinking about this again, I'm not sure the MIB will step in if the car had comprehensive insurance.

Neither am I. The MIB is very much there to compensate individuals as a last resort. It steps in when all other avenues have been exhausted. I'm not sure they will meet claims from insurers who have paid out under their policies but who seek to recover their outlay from an uninsured third party. The "individual" (the hire company in this case) has been paid. They may have uninsured losses which they may pursue separately but that is not the concern of their insurers who are making the claim. A couple of years back I read the details of the MIB's responsibilities but I've forgotten them. I'll try to dig them out again. What makes me have some doubts is the fact that the insurers have listed the MIB as "D2" and they possibly would not have done that if the MIB was not responsible. I'll see what I can find out.

SHAFT

TooManyPoints wrote: »

Neither am I. The MIB is very much there to compensate individuals as a last resort. It steps in when all other avenues have been exhausted. I'm not sure they will meet claims from insurers who have paid out under their policies but who seek to recover their outlay from an uninsured third party. The "individual" (the hire company in this case) has been paid. They may have uninsured losses which they may pursue separately but that is not the concern of their insurers who are making the claim. A couple of years back I read the details of the MIB's responsibilities but I've forgotten them. I'll try to dig them out again. What makes me have some doubts is the fact that the insurers have listed the MIB as "D2" and they possibly would not have done that if the MIB was not responsible. I'll see what I can find out.

They certainly won't do that, at best they'll cover uninsured losses.

MovingForwards

The MIB never cover insured losses, it's down to the insurance company to swallow their loss or seek direct recovery from the third party.

The MIB only cover uninsured losses eg policy excess, loss of use, personal injury etc.

TooManyPoints

Yes, thanks both, that's exactly as I thought.

What puzzles me is that the hire company's insurers (who are seeking to recover their outlay) have cited the OP's mate and the MIB in their court action. Surely they must know that the MIB will not reimburse them for their outlay. Unless, that is, they are acting on behalf of their insured to recover his uninsured losses.

SHAFT

TooManyPoints wrote: »

Yes, thanks both, that's exactly as I thought.

What puzzles me is that the hire company's insurers (who are seeking to recover their outlay) have cited the OP's mate and the MIB in their court action. Surely they must know that the MIB will not reimburse them for their outlay. Unless, that is, they are acting on behalf of their insured to recover his uninsured losses.

Given the claim is allegedly £30,000-£40,000 there is probably uninsured losses. However the figure is a little unbelievable.

MovingForwards

Toomanypoints I have explained why the insurance company have included their outlay in my other posts. It's all completely standard in litigation.

JohnFredrick

Some info i found on a few insurance websites:

- The uninsured driver is to blame

In theory, at-fault uninsured drivers are personally responsible for all damages and personal injuries they cause.

In practice, people driving without insurance have few or no assets to meet these financial liabilities and the chance of successfully recovering damages from an uninsured driver is nearly zero.

So, where can you turn to reclaim uninsured damages?

- The Motor Insurers' Bureau

The Motor Insurers' Bureau (MIB) has been operating since 1946 and is funded by the UK's motor insurers and – by extension – insured, law-abiding motorists.

If you're involved in an accident with an uninsured vehicle and forced to claim on your own insurance, then the MIB will compensate your insurer for the costs of your claim. Once this compensation has been received, your insurer should reinstate your no-claims discount and cancel any corresponding premium increase.

The MIB pays out compensation to those who suffer personal injury or damage to their property as a result of accidents involving uninsured motor vehicles.

In effect, this agreement between the government and the MIB ensures that innocent victims of uninsured drivers don't lose out financially.

MovingForwards

But the MIB will still pursue your friend for the money they pay out, the MIB isn't a get out of jail free card.

shaun_from_Africa

JohnFredrick wrote: »

In effect, this agreement between the government and the MIB ensures that innocent victims of uninsured drivers don't lose out financially.

The important word being "innocent".
Your friend was not innocent so he is still liable for any losses.

If there is an insurance policy in place that covers a vehicle and you drive that vehicle whilst not being entitled to and cause an accident, the insurers will still pay out any 3rd party liabilities.
However, they will then come after you to recompense them for the money they have lost.

The MIB are no different.
If they are required to pay out to an innocent driver because of an accident for which an uninsured driver was held liable for, they will then attempt to recover their money from that uninsured driver.