Car damaged and no note left - MIB?

facade

sweetsand said:

Sorry OP, but you state you cant really afford the repair or the excess - what happens when you crash into someone esle, write of your and their car, what would you do re excess then? MIB won't cover it but having stated that, give them a go, ask them and update please

ATB

You do realise that the excess only applies to damage to the insured vehicle, not to any third party claims?

In the case of an at-fault write-off claim on comprehensive insurance the OP would get the (supposed, but that is a whole other thread ) market value of the car prior to the accident, less the excess.

The only time the policy holder has to actually find the excess is (as in this case, which is an at-fault in the sense of no third party is going to pay) if repairs are made to the insured vehicle, the insurer would simply pay up short by the excess, and the policy holder has to pay it to settle the repair bill. (In a non-fault the identified third party would pay 100% of the damage, no excess to pay)

Mercdriver

facade said:

sweetsand said:

Sorry OP, but you state you cant really afford the repair or the excess - what happens when you crash into someone esle, write of your and their car, what would you do re excess then? MIB won't cover it but having stated that, give them a go, ask them and update please

ATB

You do realise that the excess only applies to damage to the insured vehicle, not to any third party claims?

In the case of an at-fault write-off claim on comprehensive insurance the OP would get the (supposed, but that is a whole other thread ) market value of the car prior to the accident, less the excess.

The only time the policy holder has to actually find the excess is (as in this case, which is an at-fault in the sense of no third party is going to pay) if repairs are made to the insured vehicle, the insurer would simply pay up short by the excess, and the policy holder has to pay it to settle the repair bill. (In a non-fault the identified third party would pay 100% of the damage, no excess to pay)

I suspect there is a lot he/she doesn't realise/know, but they keep posting like they are an authority on all things - it's like having one of the Freds on magic mushrooms: Talks nonsense much of the time but away with the fairies.

lesalanos

Mercdriver said:

facade said:

sweetsand said:

Sorry OP, but you state you cant really afford the repair or the excess - what happens when you crash into someone esle, write of your and their car, what would you do re excess then? MIB won't cover it but having stated that, give them a go, ask them and update please

ATB

You do realise that the excess only applies to damage to the insured vehicle, not to any third party claims?

In the case of an at-fault write-off claim on comprehensive insurance the OP would get the (supposed, but that is a whole other thread ) market value of the car prior to the accident, less the excess.

The only time the policy holder has to actually find the excess is (as in this case, which is an at-fault in the sense of no third party is going to pay) if repairs are made to the insured vehicle, the insurer would simply pay up short by the excess, and the policy holder has to pay it to settle the repair bill. (In a non-fault the identified third party would pay 100% of the damage, no excess to pay)

I suspect there is a lot he/she doesn't realise/know, but they keep posting like they are an authority on all things - it's like having one of the Freds on magic mushrooms: Talks nonsense much of the time but away with the fairies.

Dear replier

Please add more info so that we can give better advice.  Do you think for example that the fairies are at the bottom of the garden or elsewhere

X 

Mercdriver

lesalanos said:

Mercdriver said:

facade said:

sweetsand said:

Sorry OP, but you state you cant really afford the repair or the excess - what happens when you crash into someone esle, write of your and their car, what would you do re excess then? MIB won't cover it but having stated that, give them a go, ask them and update please

ATB

You do realise that the excess only applies to damage to the insured vehicle, not to any third party claims?

In the case of an at-fault write-off claim on comprehensive insurance the OP would get the (supposed, but that is a whole other thread ) market value of the car prior to the accident, less the excess.

The only time the policy holder has to actually find the excess is (as in this case, which is an at-fault in the sense of no third party is going to pay) if repairs are made to the insured vehicle, the insurer would simply pay up short by the excess, and the policy holder has to pay it to settle the repair bill. (In a non-fault the identified third party would pay 100% of the damage, no excess to pay)

I suspect there is a lot he/she doesn't realise/know, but they keep posting like they are an authority on all things - it's like having one of the Freds on magic mushrooms: Talks nonsense much of the time but away with the fairies.

Dear replier

Please add more info so that we can give better advice.  Do you think for example that the fairies are at the bottom of the garden or elsewhere

X 

?????? Was that directed at me?

sweetsand

GT1983 said:

sweetsand said:

Sorry OP, but you state you cant really afford the repair or the excess - what happens when you crash into someone esle, write of your and their car, what would you do re excess then? MIB won't cover it but having stated that, give them a go, ask them and update please

ATB

I have an account with enough to cover the excess but it also gets used for tyres, MOTs etc so usually dips too low so I would have to use credit card. 

Thanks, that is good. Avoid CC's at all costs. Not you but many people buy a car and then get into massive debt and/or can't keep up payments.
I hope it all works out for you but as I and others have said, it's most likley you will have to repair or leave it as it is, your choice.

sweetsand

Aretnap said:

The MIB will not cover damage to property unless either you can identify the car (not necessarily the driver) involved, or the accident also resulted in serious injury (defined IIRC as a hospital stay of at least 4 days).

It also won't pay for anything that you could claim for from an insurance policy if your own. Basically it's an insurer of last resort. It's there to ensure that people who are seriously injured by uninsured/untraced drivers are not left destitute if they are unable to work - not to ensure that they keep their no claims bonuses. 

So I'm afraid your options are to claim from your own insurer, or to get it fixed yourself. 

You've hit the nail on the head and often the car is unisured.

Dr_Crypto

Mercdriver said:

facade said:

sweetsand said:

Sorry OP, but you state you cant really afford the repair or the excess - what happens when you crash into someone esle, write of your and their car, what would you do re excess then? MIB won't cover it but having stated that, give them a go, ask them and update please

ATB

You do realise that the excess only applies to damage to the insured vehicle, not to any third party claims?

In the case of an at-fault write-off claim on comprehensive insurance the OP would get the (supposed, but that is a whole other thread ) market value of the car prior to the accident, less the excess.

The only time the policy holder has to actually find the excess is (as in this case, which is an at-fault in the sense of no third party is going to pay) if repairs are made to the insured vehicle, the insurer would simply pay up short by the excess, and the policy holder has to pay it to settle the repair bill. (In a non-fault the identified third party would pay 100% of the damage, no excess to pay)

I suspect there is a lot he/she doesn't realise/know, but they keep posting like they are an authority on all things - it's like having one of the Freds on magic mushrooms: Talks nonsense much of the time but away with the fairies.

Yet they say they have a fleet of luxury cars and a property portfolio worth more than £1m. Doesn’t make any sense to me. 

Mercdriver

Dr_Crypto said:

Mercdriver said:

facade said:

sweetsand said:

Sorry OP, but you state you cant really afford the repair or the excess - what happens when you crash into someone esle, write of your and their car, what would you do re excess then? MIB won't cover it but having stated that, give them a go, ask them and update please

ATB

You do realise that the excess only applies to damage to the insured vehicle, not to any third party claims?

In the case of an at-fault write-off claim on comprehensive insurance the OP would get the (supposed, but that is a whole other thread ) market value of the car prior to the accident, less the excess.

The only time the policy holder has to actually find the excess is (as in this case, which is an at-fault in the sense of no third party is going to pay) if repairs are made to the insured vehicle, the insurer would simply pay up short by the excess, and the policy holder has to pay it to settle the repair bill. (In a non-fault the identified third party would pay 100% of the damage, no excess to pay)

I suspect there is a lot he/she doesn't realise/know, but they keep posting like they are an authority on all things - it's like having one of the Freds on magic mushrooms: Talks nonsense much of the time but away with the fairies.

Yet they say they have a fleet of luxury cars and a property portfolio worth more than £1m. Doesn’t make any sense to me. 

They have gone over 1000 posts today, can't figure out why they are determined to post on every thread.  Trying to get their post number up for some odd reason...

lesalanos

Mercdriver said:

lesalanos said:

Mercdriver said:

facade said:

sweetsand said:

Sorry OP, but you state you cant really afford the repair or the excess - what happens when you crash into someone esle, write of your and their car, what would you do re excess then? MIB won't cover it but having stated that, give them a go, ask them and update please

ATB

You do realise that the excess only applies to damage to the insured vehicle, not to any third party claims?

In the case of an at-fault write-off claim on comprehensive insurance the OP would get the (supposed, but that is a whole other thread ) market value of the car prior to the accident, less the excess.

The only time the policy holder has to actually find the excess is (as in this case, which is an at-fault in the sense of no third party is going to pay) if repairs are made to the insured vehicle, the insurer would simply pay up short by the excess, and the policy holder has to pay it to settle the repair bill. (In a non-fault the identified third party would pay 100% of the damage, no excess to pay)

I suspect there is a lot he/she doesn't realise/know, but they keep posting like they are an authority on all things - it's like having one of the Freds on magic mushrooms: Talks nonsense much of the time but away with the fairies.

Dear replier

Please add more info so that we can give better advice.  Do you think for example that the fairies are at the bottom of the garden or elsewhere

X 

?????? Was that directed at me?

Just a poor attempt at humour in the style of the "away with the fairies" poster

I'll get my coat 

photome

Mercdriver said:

facade said:

sweetsand said:

Sorry OP, but you state you cant really afford the repair or the excess - what happens when you crash into someone esle, write of your and their car, what would you do re excess then? MIB won't cover it but having stated that, give them a go, ask them and update please

ATB

You do realise that the excess only applies to damage to the insured vehicle, not to any third party claims?

In the case of an at-fault write-off claim on comprehensive insurance the OP would get the (supposed, but that is a whole other thread ) market value of the car prior to the accident, less the excess.

The only time the policy holder has to actually find the excess is (as in this case, which is an at-fault in the sense of no third party is going to pay) if repairs are made to the insured vehicle, the insurer would simply pay up short by the excess, and the policy holder has to pay it to settle the repair bill. (In a non-fault the identified third party would pay 100% of the damage, no excess to pay)

I suspect there is a lot he/she doesn't realise/know, but they keep posting like they are an authority on all things - it's like having one of the Freds on magic mushrooms: Talks nonsense much of the time but away with the fairies.

I can’t get my head round this particular poster.  As you say they make out they know a lot but I am not convinced. They also don’t like low end cars like fiestas bit do like 911s . Range rovers, S class Mercs. And think an Audi S8 is really an RS8