Car damaged and no note left - MIB?

bigadaj

Spam button?

Grumpy_chap

lesalanos said:

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 

Ah, yes, I get it now, writing in the style of another.

shaun_from_Africa

bigadaj said:

Spam button?

Not really.
Now if only the forum has a BS button!

bigadaj

shaun_from_Africa said:

bigadaj said:

Spam button?

Not really.
Now if only the forum has a BS button!

It's more about the outcome than the accuracy I find.