Drunk driver crashed into my scooter-next?

[ssray]

Morning, arriving where I park my an400 burgman, it was parked at an odd angle, then I noticed the card from the police, rang them and it had been hit by a drunk driver at 02:00, had to go home and head off to the copshop and filled in a form, docs etc, still no info as to if they have any details or if they got the person, judging by the plastic near mine they had hit at least one other bike/scooter

Iam supposed to get a call from the police, if they have the persons details will they pass them on so I can claim? if not will I have to get my ins co to contact them? and they are even more scummy will the mib(not will smith) cover this?

It will be a wright off, every panel damaged and the front end is wonky

any info gratefully recived

Ta Ray

[TwigtheWonderkid]

If you have comp cover, report to your own insurers and leave it all to them to sort out. That's what you've paid for.

The MIB is for uninsured losses caused by someone else who who you don't know or who has no cover. If you have comp, your losses aren't uninsured so the MIB aren't going to be relevant. If you have third party, then the MIB are an option if you have no joy with the drunk.

Edited by TwigtheWonderkid on Sunday 9th March 09:16

[dacouch]

TwigtheWonderkid said:

If you have comp cover, report to your own insurers and leave it all to them to sort out. That's what you've paid for.

The MIB is for uninsured losses caused by someone else who who you don't know or who has no cover. If you have comp, your losses aren't uninsured so the MIB aren't going to be relevant. If you have third party, then the MIB are an option if you have no joy with the drunk.

Edited by TwigtheWonderkid on Sunday 9th March 09:16

You can claim from the MIB if you have comprehensive cover if the other party is uninsured although it takes a very long time so it's usually best to claim from your own policy.

[ssray]

Tpft only, not really worth it on a commuter scooter, will have to wait for the police first
Ta Ray

[Aretnap]

If he was caught you can claim from his insurers if he has any or the MIB if he's doesn't.

The MIB won't pay for property damage if both the car and driver are untraced, but if the police know he was drunk presumably they did find him.

[TwigtheWonderkid]

dacouch said:

TwigtheWonderkid said:

If you have comp cover, report to your own insurers and leave it all to them to sort out. That's what you've paid for.

The MIB is for uninsured losses caused by someone else who who you don't know or who has no cover. If you have comp, your losses aren't uninsured so the MIB aren't going to be relevant. If you have third party, then the MIB are an option if you have no joy with the drunk.

Edited by TwigtheWonderkid on Sunday 9th March 09:16

You can claim from the MIB if you have comprehensive cover if the other party is uninsured although it takes a very long time so it's usually best to claim from your own policy.

This is the wording from there own website, where it gives eligibility to claim:

"If you are hit by an uninsured or untraced driver there is no insurance company to provide compensation for damage to your vehicle or personal injury."

If you have comp cover, there is an insurance company to provide compensation for the damage, so MIB won't cover you.

However, OP has now confirmed he had tp cover.

[Aretnap]

Page 5

http://www.mib.org.uk/NR/rdonlyres/085DE28C-9F25-4...

If you have comprehensive insurance for your vehicle
We recommend that you make a claim for repair with your own insurer. You do not have to do this but the repair will be carried out quicker and will not be delayed by any enquiries that we will have to make about the circumstances of the accident.

(Emphasis mine)

[ging84]

worst i've got an an400 burgman post ever

[ssray]

ging84 said:

worst i've got an an400 burgman post ever

If only you knew how much i dislike it, I had sold it on thursday so I could get my proper bike back on the road, I think the police have somebody as one of them asked if i was mr akhtar, i`m not
I will update when I get some info
Ta
Ray

[ssray]

Update, the MIB will not look at a claim if there is no reg number to claim against, the police have nothing on file and have 6months to investigate
there is no local cctv, i checked the shops who only cover up to there front doors
any ideas how to proceed?
Ta
Ray

[agtlaw]

You bought cheap insurance (TPFT). It's cheaper partly because situations like this are not covered. You should have bought comprehensive cover. My advice would be to break it for parts, sell it whole or repair it with used/cheap parts.

[ssray]

Stuck it on evilbay,
ta Ray

[Dark Thought]

ssray said:

Update, the MIB will not look at a claim if there is no reg number to claim against, the police have nothing on file and have 6months to investigate
there is no local cctv, i checked the shops who only cover up to there front doors
any ideas how to proceed?
Ta
Ray

How do the police have nothing on file. Three weeks ago they said it was a drunk driver, no CCTV or witnesses, so unless they caught someone how could they know the driver was drunk?