Hit by uninsured driver

paulafeier

Hello,
On Sunday night,someone hit my car while parked on the street.When I heard the noise I run out to see what is going on,after many lies from the girl who was driving I called police.She been taken in custody because she was over limit,no driving license or insurance.Now my problem stay like this,she wasn’t the owner of the car she was driving,her friend borrowed the car to her,the owner of the car had insurance.Now I am stuck with my car smashed and I don’t know what to do.My car insurance has a 3000£ excess,so I don’t wanna really claim it on my insurance.Can I claim on the owner car insurance or is it Mib gonna help me?I feel so hopeless and so bad,why I can’t take any action against her?Police don’t help at all,and I am just left like this.Can I take her to court or something to recover my money?Please someone who knows or been in similar situation to advise me.

Aretnap

As the driver of the car has been identified, and the car apparently has insurance, the car's insurers will be obliged to deal with your claim, just as if the driver were named on the insurance policy.

(The insurers can subsequently try to recover their costs from the driver or the owner, but that's their peoblem, not yours).

So you can either contact the car's insurers and deal with them directly (if you don't know them you can get them from askmid for a token fee), or if they are not helpful enough go through your own insurers, who will subsequently claim from the third party insurers. (You will have to inform your own insurers of the accident anyway, even if you don't intend claiming through them.)

Dr_Crypto

Go throuhg your own insurers. That is what they are paid for. If you aren't happy with them you can go to the FOS for free. If you direct to the third party insurer you cannot use the FOS and your only recourse will be court. 
The MIB aren't involved here. There is an insurer connected with the car. You can recover your excess from them - your own insurer may help with that. Why have you got such an eye watering excess if you can't afford it?
The police will be interested in the drink drive matter and that is all. 
If you take her to court what will happen if she doesn't have any money? 

Gsaver1

Hopefully the excess is a typo and in reality it is only £300.

Scrapit

£3000 excess?!

angrycrow

£3000 excess you are not with excess direct are you. If so make sure you understand that £3000 excess applies to any type of claim i.e if you have a fault claim you will need to pay £3000 towards the other person's damage. A lot of excess direct policy holders don't spot this in the terms and get stung when they have a claim.

Turning to this non fault claim as said above get the insurers details from Askmid and approach them but be prepared for a long wait whilst they investigate their policy. Be very careful of involving accident management companies or credit hire firms as they may not recover their costs if you refuse to use your own comprehensive insurance to mitigate your loss.

MIB will expect you to use your own insurance so won't deal with your claim. 

ontheroad1970

angrycrow said:

£3000 excess you are not with excess direct are you. If so make sure you understand that £3000 excess applies to any type of claim i.e if you have a fault claim you will need to pay £3000 towards the other person's damage. A lot of excess direct policy holders don't spot this in the terms and get stung when they have a claim.

Turning to this non fault claim as said above get the insurers details from Askmid and approach them but be prepared for a long wait whilst they investigate their policy. Be very careful of involving accident management companies or credit hire firms as they may not recover their costs if you refuse to use your own comprehensive insurance to mitigate your loss.

MIB will expect you to use your own insurance so won't deal with your claim. 

This practise should not be legal.  If it is indeed £3000, policy holders are effectively self insuring.  I remember one company tried to rip off my wife by giving her what appeared to be a great quote, then right at the end said that there would be a voluntary excess in addition to a £500 obligatory excess...