Nephew had a hit from an uninsured driver

[Tunku]

This was at the beginning of July this year, he went to America a week before it happened, His mum, who is insured on the car was hit by an uninsured driver being chased by police. She tried her insurance co. who told her tough luck. She bought a new car. Would MIB be able to help. She never knew about any help with being hit by uninsured drivers. Nephew has just arrived back from the US and is asking.

extract from MSN conversation with him tonight "my mum was on her way home from work and there was a disqualified driver getting chased from the police and instead of waiting on her crossing the road in to her street he tried to overtake her and slammed right into the drivers door, then drove off"

Luckily she was undamaged, even though she was recovering from an operation but the car was a write off.

So would the Motor Insurers Bureau be able to help?

[H_Kan]

Should be able to, if the insurance on his car was fully comp then I'd have thought they'd have had to pay out.

However can't seem to find any information relating to when she needs to have claimed by. However if the owner was out of the country then I'd say if it is out of timeframe then there is a good chance for mitigating circumstances to be taken into consideration.

[BertBert]

MIB helps for injuries. Car insurance for car regardless of other party's insured status. Of course, accident without other party being identified or having no ins will prob go down as a 'fault' claim.

[Mattt]

I assume she is 3PF&T then, hence the ins co response?

[H_Kan]

BertBert said:

MIB helps for injuries. Car insurance for car regardless of other party's insured status. Of course, accident without other party being identified or having no ins will prob go down as a 'fault' claim.

Nope MIB can help for damage to your vehicle as well.

http://www.mib.org.uk/NR/rdonlyres/E5F52059-E5B3-4...

[Mattt]

A friend got a MIB payout when he was hit, but wasn't very high IIRC.

[BertBert]

H_Kan said:

BertBert said:

MIB helps for injuries. Car insurance for car regardless of other party's insured status. Of course, accident without other party being identified or having no ins will prob go down as a 'fault' claim.

Nope MIB can help for damage to your vehicle as well.

http://www.mib.org.uk/NR/rdonlyres/E5F52059-E5B3-4...

It says if comp insured go to ins co, if 3rd party insured they "may" be able to help. When I went through the process a few years ago, it was a non-starter - I was in the comp insured bracket.

Dunno if the OP's nephew's Mum had comp or 3rd party ins. What was the reason for "no chance" from the ins co. Thirs party ins I guess?

Bert

Edited by BertBert on Saturday 1st December 10:57

[Noger]

First port of call is your own insurer. Simply don;t understand why they would refuse to indemnify.

Second port of call is any previous insurer of the driver. It may be that they are liable either under the RTA or Article 75 rules.

MIB is very much last resort.