Insurance claim

gunner25

I was involved in a hit and run last Tues my car is in pieces and I'm injured.  Looks like my car is a write off. the police have issued a letter to registered keeper giving him 28 days to come forward. I was told my police and my insurance company the car was insured. Now on mib the car is showing no insurance. Where do I stand now? 
Many thanks 

cw8825

If it was insured on the day if the accident. 

If you claim via your policy. Your insurers will pursue that insurance company that covered it on the date 

Browntoa

There's a chance that the claim in itself showed some irregularities in their policy application.

The insurance would have then cancelled their policy but that doesn't affect you 

Bigphil1474

Sounds like it might have been nicked and the insurance has since been cancelled? Either way, as above, the insurers at the time of the incident will likely be liable. Let your insurers deal with it.

DullGreyGuy

gunner25 said:

I was involved in a hit and run last Tues my car is in pieces and I'm injured.  Looks like my car is a write off. the police have issued a letter to registered keeper giving him 28 days to come forward. I was told my police and my insurance company the car was insured. Now on mib the car is showing no insurance. Where do I stand now? 
Many thanks 

How do you know it's not insured now? Are you making false declarations to the MIB that it's your car?

What state the insurance is in today is broadly irrelevant, it only matters what the state of insurance was at the time of the incident. 

p00hsticks

gunner25 said:

I was told my police and my insurance company the car was insured. 

Are you referring to your car, or the car that hit you ?

gunner25

p00hsticks said:

gunner25 said:

I was told my police and my insurance company the car was insured. 

Are you referring to your car, or the car that hit you ?

Referring to the  car that hit me 

gunner25

DullGreyGuy said:

gunner25 said:

I was involved in a hit and run last Tues my car is in pieces and I'm injured.  Looks like my car is a write off. the police have issued a letter to registered keeper giving him 28 days to come forward. I was told my police and my insurance company the car was insured. Now on mib the car is showing no insurance. Where do I stand now? 
Many thanks 

How do you know it's not insured now? Are you making false declarations to the MIB that it's your car?

What state the insurance is in today is broadly irrelevant, it only matters what the state of insurance was at the time of the incident. 

The police are keeping me up to date and confirmed the car isn't insured now on the mib 

gunner25

Bigphil1474 said:

Sounds like it might have been nicked and the insurance has since been cancelled? Either way, as above, the insurers at the time of the incident will likely be liable. Let your insurers deal with it.

Thank you 

gunner25

Browntoa said:

There's a chance that the claim in itself showed some irregularities in their policy application.

The insurance would have then cancelled their policy but that doesn't affect you 

Thank you 

Aretnap

Bigphil1474 said:

Sounds like it might have been nicked and the insurance has since been cancelled? Either way, as above, the insurers at the time of the incident will likely be liable.

This is not quite the whole truth.

If the driver is identified then the insurers who were covering the car at the time of the accident are indeed liable for the claim, whether or not the driver is named in the policy, and even if the driver turns out to have stolen the car.

If the driver can't be identified however (a thief who disappeared into the night?) then it becomes a MIB claim under the Untraced Drivers Agreement. The cars insurer (acting on behalf of the MIB) would still have to deal with the injury side of the OP's claim, however the OP would have to claim on his own policy for the damage to his car, and his insurer would not be able to reclaim their costs (the MIB after all is there to protect people, not insurance companies). Depending on what his policy says about uninsured/Untraced Drivers, this could mean that the OP ends up losing his excess and no claims discount, but thankfully nothing more.