Not at fault collision

frangroz

Hi my car was parked outside my girlfriends house and was struck by a driver looks like it’s a write off we both are on the mid wil his insurers pay for damage 

lisyloo

frangroz said:

Hi my car was parked outside my girlfriends house and was struck by a driver looks like it’s a write off we both are on the mid wil his insurers pay for damage 

What does "We both are on the mid" mean?

Are you able to identify the driver? is the driver insured?
Have you spoken yet to their innocent 3rd part claims department?

eastmidsaver

did you manage to get the number plate details?

KimJongUn88

lisyloo said:

frangroz said:

Hi my car was parked outside my girlfriends house and was struck by a driver looks like it’s a write off we both are on the mid wil his insurers pay for damage 

What does "We both are on the mid" mean?

Are you able to identify the driver? is the driver insured?
Have you spoken yet to their innocent 3rd part claims department?

Both cars are registered on the Motor Insurer’s Database which therefore means that both parties are insured.

AdrianC

If the other driver is insured, and you know who they are - then, yes, their insurance will pay.

If the other driver is untraced or uninsured, and your BF's policy is fully comp, then it will pay.

If all other routes fail, there's the Motor Insurance Bureau's uninsured driver fund.
https://www.mib.org.uk/making-a-claim/claiming-against-an-uninsured-driver/

[Deleted User]

delete 123

AdrianC

[DELETED USER] said:

Don't expect them to pay what it costs to replace your car though.

They will pay market value for your car at the time of the collision... or the value you declared on your proposal, whichever's lower.

Sandtree

KimJongUn88 said:

lisyloo said:

frangroz said:

Hi my car was parked outside my girlfriends house and was struck by a driver looks like it’s a write off we both are on the mid wil his insurers pay for damage 

What does "We both are on the mid" mean?

Are you able to identify the driver? is the driver insured?
Have you spoken yet to their innocent 3rd part claims department?

Both cars are registered on the Motor Insurer’s Database which therefore means that both parties are insured.

It means both vehicles are insured... it could be that someone other than the insured was driving the car at the time of the accident. Most the time it will mean that there is at least an RTA insurer to go after if it turns out the driver was driving without insurance (one of many who may think they have Driving Other Cars on their policy but don't/dont realise NDs dont benefit etc) but MID alone is insufficient to know if it'll be a straight forward claim or not.

[Deleted User]

Wdelete 123

facade

AdrianC said:

They will pay market value for your car at the time of the collision... or the value you declared on your proposal, whichever's lower.

Since used car prices are insane at the moment, (WBAC are offering me £28,500 for the car I paid just under £20,000 for 3 years ago) should we be 'phoning our insurer on a weekly basis with an updated value?

Bluebell1000

My Dad's car was written off last week. His insurance payout offer was about £400 more than he'd paid for it several months earlier (from a main dealer). Not even any discussion or negotiation needed! Not all insurers offer outdated values... 😀