Passenger in uninsured car/accident
Discussion
As the title says I was a passenger in an taxi last week where the taxi ended up crashing into another driver, taxi drivers fault as he was on the phone at the time and not paying attention. Turns out the taxi driver is uninsured and is self employed. My shoulder got hurt in the process, I'm not claiming whiplash etc but I had to have a week of work so want know where I stand. Thanks
herewego said:
At last a useful reply, Thank you.baccalad said:
peter hh said:
Who's fault?
I don't know what're you asking me for?So I am now asking you who were you referring to when you say "his fault"?
t!
Peter,
The MIB should deal with matter. A link was given above. They are an insurer of last resort, this means that if there is no cover on the vehicle to deal with your claim they will deal with it. The MIB can sometimes wriggle out if the injured party knew or ought to have known that the vehicle was uninsured - I doubt this would apply in your case as you called/hailed a taxi - it's mostly used with wayward yoofs driving cars at 16 or close friends of the uninsured driver.
Alternatively as a passenger if there is a split on liability you technically could recover from the other driver (the non-taxi driver).
Do you have the details of taxi and it's driver as you will need them to claim on the uninsured MIB scheme.
I'll always flag this up - you could deal direct but the MiB (and any insurer's) main interest in a fault claim is making you go away for as little money as possible, you should consider instructing your own solicitor to better represent your interests.
HTH
The MIB should deal with matter. A link was given above. They are an insurer of last resort, this means that if there is no cover on the vehicle to deal with your claim they will deal with it. The MIB can sometimes wriggle out if the injured party knew or ought to have known that the vehicle was uninsured - I doubt this would apply in your case as you called/hailed a taxi - it's mostly used with wayward yoofs driving cars at 16 or close friends of the uninsured driver.
Alternatively as a passenger if there is a split on liability you technically could recover from the other driver (the non-taxi driver).
Do you have the details of taxi and it's driver as you will need them to claim on the uninsured MIB scheme.
I'll always flag this up - you could deal direct but the MiB (and any insurer's) main interest in a fault claim is making you go away for as little money as possible, you should consider instructing your own solicitor to better represent your interests.
HTH
Thank you Norse mann your reply Is appreciated. Yeh I have all the details etc of the taxi driver I need. The other party appears to be at no fault as far as I am concerned. I'm not a fan of the claim culture but I find it wrong that I have suffered a financial loss at this time of year becuase of another's negligence. Shame other posters on pistonheaders aren't as helpful. 
I'm pretty sure the councils check annually, but I expect it's the driver handing over a piece of paper.
They should be able to search/monitor the MID so that at least they can check it is insured in one way. Ideally I guess the MID would return details of whether it's insured for private hire so they can keep check. If it dropped off they could call the driver and check whether they are still using it for private hire, and notify the police to keep an eye out (or flag on ANPR) if they had suspicions.
They should be able to search/monitor the MID so that at least they can check it is insured in one way. Ideally I guess the MID would return details of whether it's insured for private hire so they can keep check. If it dropped off they could call the driver and check whether they are still using it for private hire, and notify the police to keep an eye out (or flag on ANPR) if they had suspicions.
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