Hit by Bulgarian Lorry, didn’t stop, what now?

Car_54

Joannas wrote: »

I didn’t use them consistently but as a signal to the driver and no one was behind me. I think the real danger here is someone driving a HGV, crashing into someone and failing to stop.

What signal? If the Bulgar saw you behind him, he would be entitled to think you were indicating that you were stationary and obstructing traffic.

AdrianC

Joannas wrote: »

...and insurance have declared it as a no fault

It will go on your insurance record as an at-fault claim unless and until your insurer get paid in full for whatever they pay out.

For these purposes, "fault" is basically "who's out of pocket". That's the most important thing to insurers - did they have to pay out because of having your business?

...but I can’t afford the excess to get it fixed right now.

Talk to your insurer - they may well give you some latitude on repaying your excess. It's unfortunate if you're currently too short to cover it, but you did choose that level of excess when buying the policy.

They mentioned long delays with it being international.

That's their problem.

Do I attempt a claim with the MIB

No, because they won't pay. You're covered by insurance.

You need to claim from your insurance - and, yes, it'll be at-fault until they sort it through the international insurance channels.

Or you need to just swallow the damage and live with it. They really are your only choices, short of tracing the Bulgarian insurer and claiming directly from them - and that's assuming they play ball. Even if the driver is traced, there's a chance that they'll claim you cut them up, and unless one of you has witnesses or dashcam evidence, it's simply he-said-she-said.

born_again

Joannas wrote: »

I think the real danger here is someone driving a HGV, crashing into someone and failing to stop.

So did you report it to the police?