Being hit by uninsured driver..
Discussion
I have no idea what would happen if I were hit by some donk with no insurance. From the way I've heard people talk here, I'd be expected to pay up for any damage? Surely not! I'd expect my insurance to pay up for that. I'm assuming it'd mess up my no claims bonus, which I'd be well annoyed at, but would I really have to pay up for any repairs to my own car?
bleesh said:
Doesn't the MIB pay out regardless of your insurance status, Von??
I always understood they pay out on the fact that an uninsured driver hit you, and not on the type of insurance that you have....
Steve
They only pay out where your losses aren't covered by another insurance policy (as far as I'm aware). They will try to establish blame for the collision as well. Just because the other party is uninsured doesn't mean they'll pay out if it can be shown blame for the collision isn't with the other driver.I always understood they pay out on the fact that an uninsured driver hit you, and not on the type of insurance that you have....
Steve
Edited by vonhosen on Monday 7th January 18:18
Von is correct.
MIB only pay up where there is no other insurance policy in place to meet the costs (i.e. other driver is uninsured, and you are 3rd party).
They also look at liability as well - they won't automatically pay.
I also have never ever met anyone who has received money from the MIB (and have been led to believe that getting blood from a stone is easier.)
I have been hit twice by uninsured drivers (both from behind, one at lights one at a pedestrian crossing), both have been from the demographic whose name we cannot speak, and in both cases the police have taken the square root of bugger-all notice. In the first case I argued the toss [b]hard[/i] with my insurance company about losing my NCB, and after a protracted row they backed down and let me keep it (had to pay £300 excess tho'). In the second case I was driving on classic insurance so no NCB to lose.
Broadly, if you are hit by an uninsured driver, you are totally, utterly, on your own.
Oli.
MIB only pay up where there is no other insurance policy in place to meet the costs (i.e. other driver is uninsured, and you are 3rd party).
They also look at liability as well - they won't automatically pay.
I also have never ever met anyone who has received money from the MIB (and have been led to believe that getting blood from a stone is easier.)
I have been hit twice by uninsured drivers (both from behind, one at lights one at a pedestrian crossing), both have been from the demographic whose name we cannot speak, and in both cases the police have taken the square root of bugger-all notice. In the first case I argued the toss [b]hard[/i] with my insurance company about losing my NCB, and after a protracted row they backed down and let me keep it (had to pay £300 excess tho'). In the second case I was driving on classic insurance so no NCB to lose.
Broadly, if you are hit by an uninsured driver, you are totally, utterly, on your own.
Oli.
As before, there isn't really any MIB. It is a panel of insurers who act on their behalf. The insurer gets a rebate on the MIB fee for doing this. They are quite overworked, as you can imagine.
One thing that does slow MIB claims down a lot is the level of fraud. As you can imagine "Third Party only insurance, oooh I was hit by another car and they just sped off, no I didn't get any details at all" is rings quite a few alarm bells !
So claims do take a while to progress. They do pay out however.
One thing that does slow MIB claims down a lot is the level of fraud. As you can imagine "Third Party only insurance, oooh I was hit by another car and they just sped off, no I didn't get any details at all" is rings quite a few alarm bells !
So claims do take a while to progress. They do pay out however.
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