Hit and run by an uninsured driver
Discussion
Hi
Bit of a rant, and not being sure what to do now.
Got rear ended in traffic by a very scruffy old Golf, minor damage to my car, a scuffed and slightly dented rear bumper, the other driver said he'd pull over further up, I didn't believe him, so took a photo of his numberplate, as soon as I did this he sped off, turning a lot of heads including two plain clothed officers. he got caught in traffic further up, so I told him he could stop or I'd ring 999. He stopped, shouted some abuse about there being no damage, I told him "not everyone wants to drive some probably uninsured s
tbox like you and don't want their car damaged", he sped off and this time I didn't follow.
At this point some witnesses arrived, and I got some numbers. The plain clothed officers also arrived who had called it in, and a manhunt had started for this car. The driver was found and has been arrested, but the car, unsurprisingly was uninsured. He seemed inebriated so I'm guessing that's why he's arrested.
So where does this leave me? If I claim on my insurance I guess I'll lose my NCB, which I've just built back up after an embarrassing at fault claim. I can, and probably will get the car repaired myself, but will this be fully out of pocket for me? With the guy having been arrested can I claim the damages from him? I do think this is probably a pointless idea in my heart.
I know really these are questions for the police/insurance, but I'm stressed and having a rant question. Maybe some of you have been in a similar position and can give me some real world experience of what to expect.
To add insult to injury I witnessed a car park hit and run last week, and left my details and the other person contacted me to let me know their insurance had found the guilty party and the claim had been made, clearly that's not given me good karma!
Bit of a rant, and not being sure what to do now.
Got rear ended in traffic by a very scruffy old Golf, minor damage to my car, a scuffed and slightly dented rear bumper, the other driver said he'd pull over further up, I didn't believe him, so took a photo of his numberplate, as soon as I did this he sped off, turning a lot of heads including two plain clothed officers. he got caught in traffic further up, so I told him he could stop or I'd ring 999. He stopped, shouted some abuse about there being no damage, I told him "not everyone wants to drive some probably uninsured s
tbox like you and don't want their car damaged", he sped off and this time I didn't follow. At this point some witnesses arrived, and I got some numbers. The plain clothed officers also arrived who had called it in, and a manhunt had started for this car. The driver was found and has been arrested, but the car, unsurprisingly was uninsured. He seemed inebriated so I'm guessing that's why he's arrested.
So where does this leave me? If I claim on my insurance I guess I'll lose my NCB, which I've just built back up after an embarrassing at fault claim. I can, and probably will get the car repaired myself, but will this be fully out of pocket for me? With the guy having been arrested can I claim the damages from him? I do think this is probably a pointless idea in my heart.
I know really these are questions for the police/insurance, but I'm stressed and having a rant question. Maybe some of you have been in a similar position and can give me some real world experience of what to expect.
To add insult to injury I witnessed a car park hit and run last week, and left my details and the other person contacted me to let me know their insurance had found the guilty party and the claim had been made, clearly that's not given me good karma!
I'll check my T&Cs and will probably give them a ring in the morning when I've cooled off a bit. I'm insured with Hastings, who looking online have a "uninsured driver promise" so maybe making a claim won't be too much of a financial hardship.
Thanks for replying, this has proven very stressful. I'm just glad the driver has been caught and arrested, even if he doesn't have to pay for my car's damages I hope he gets a massive fine, and a long ban (though I'm sure he'd probably just ignore it). The police get a lot of flack but they have been excellent to me today, however the incident being witnessed by plain clothed officers probably helped matters.
Thanks for replying, this has proven very stressful. I'm just glad the driver has been caught and arrested, even if he doesn't have to pay for my car's damages I hope he gets a massive fine, and a long ban (though I'm sure he'd probably just ignore it). The police get a lot of flack but they have been excellent to me today, however the incident being witnessed by plain clothed officers probably helped matters.
Are you thinking of the Motor Insurance Bureau?
www.mib.org.uk/making-a-claim/claiming-against-an-...
Possibly the Op's insurers will deal with their damage & then pursue the other party to recover, but be interesting to hear what they tell the OP.
www.mib.org.uk/making-a-claim/claiming-against-an-...
Possibly the Op's insurers will deal with their damage & then pursue the other party to recover, but be interesting to hear what they tell the OP.
Spoke to my insurance company this morning, turns out the car is insured, and I've started a claim against their insurance.
Also had an update from the police, the driver who ran is still in police custody for drink driving, a traffic officer is going to contact for my dashcam footage from when he drove off, I may share it here (well on the st driving thread) at a later date, but in my opinion it's day in court level dangerous driving; in a busy city centre at high speed on the wrong side of a pedestrian island, this was witnessed also by the plain clothed officers, this and the fact he did it while drinking from a can of stella (plain clothed officers words) sparked a manhunt, I'm very glad they caught up with him.
I really hope he gets the book thrown at him, there's no exaggeration when saying he could have killed somebody.
Worth adding admiral (not Hastings as i said earlier) did tell me if he was uninsured with the details of the offending car they'd have still taken my claim without losing NCB or my excess, worth knowing I think, though I hope this isn't repeated anytime soon.
Also had an update from the police, the driver who ran is still in police custody for drink driving, a traffic officer is going to contact for my dashcam footage from when he drove off, I may share it here (well on the s
t driving thread) at a later date, but in my opinion it's day in court level dangerous driving; in a busy city centre at high speed on the wrong side of a pedestrian island, this was witnessed also by the plain clothed officers, this and the fact he did it while drinking from a can of stella (plain clothed officers words) sparked a manhunt, I'm very glad they caught up with him.I really hope he gets the book thrown at him, there's no exaggeration when saying he could have killed somebody.
Worth adding admiral (not Hastings as i said earlier) did tell me if he was uninsured with the details of the offending car they'd have still taken my claim without losing NCB or my excess, worth knowing I think, though I hope this isn't repeated anytime soon.
Edited by carlove on Monday 6th March 11:40
gt_12345 said:
I thought insurers belong to that scheme which funds costs for non-insured drivers?
You probably mean the Motor Insurers Bureau. It acts as an insurer of last resort - it will only pay for losses which are not covered by any insurance policy, including your own. It's primarily there so that people who are seriously injured by uninsured drivers aren't left destitute if they're unable to work - not to make sure that they keep their no claims bonuses.So if you have comprehensive cover and your hit by an uninsured driver you have to claim on your own policy - you can't decide to go to the MIB as an alternative. Your insurer can't recover their own outlay from the MIB either. Insurance companies are big boys, paying claims is what they do for a living, and the risk that a few cars that they insure will be hit by uninsured drivers is one that they can factor into their premiums. So they don't need to be bailed out by an organisation like the MIB (which is funded by a levy on insurance premiums anyway).
When I was hit by an uninsured driver, as there was no third party to claim against, Aviva decided it was a fault claim and I had to declare it for the next five years in my insurance quote forms.
My passenger and I were injured and we claimed that through the MIB.
I have very little sympathy for uninsured drivers and the pitiful punishment that comes with it still winds me up. You have my sympathies, OP. Hopefully your insurance company deals with it better than mine did.
My passenger and I were injured and we claimed that through the MIB.
I have very little sympathy for uninsured drivers and the pitiful punishment that comes with it still winds me up. You have my sympathies, OP. Hopefully your insurance company deals with it better than mine did.
carlove said:
Spoke to my insurance company this morning, turns out the car is insured, and I've started a claim against their insurance.
Also had an update from the police, the driver who ran is still in police custody for drink driving, a traffic officer is going to contact for my dashcam footage from when he drove off, I may share it here (well on the st driving thread) at a later date, but in my opinion it's day in court level dangerous driving; in a busy city centre at high speed on the wrong side of a pedestrian island, this was witnessed also by the plain clothed officers, this and the fact he did it while drinking from a can of stella (plain clothed officers words) sparked a manhunt, I'm very glad they caught up with him.
I really hope he gets the book thrown at him, there's no exaggeration when saying he could have killed somebody.
Worth adding admiral (not Hastings as i said earlier) did tell me if he was uninsured with the details of the offending car they'd have still taken my claim without losing NCB or my excess, worth knowing I think, though I hope this isn't repeated anytime soon.
Good result. Thanks for the update.Also had an update from the police, the driver who ran is still in police custody for drink driving, a traffic officer is going to contact for my dashcam footage from when he drove off, I may share it here (well on the s
t driving thread) at a later date, but in my opinion it's day in court level dangerous driving; in a busy city centre at high speed on the wrong side of a pedestrian island, this was witnessed also by the plain clothed officers, this and the fact he did it while drinking from a can of stella (plain clothed officers words) sparked a manhunt, I'm very glad they caught up with him.I really hope he gets the book thrown at him, there's no exaggeration when saying he could have killed somebody.
Worth adding admiral (not Hastings as i said earlier) did tell me if he was uninsured with the details of the offending car they'd have still taken my claim without losing NCB or my excess, worth knowing I think, though I hope this isn't repeated anytime soon.
Edited by carlove on Monday 6th March 11:40
Mark83 said:
When I was hit by an uninsured driver, as there was no third party to claim against, Aviva decided it was a fault claim and I had to declare it for the next five years in my insurance quote forms.
In insurance terms, fault doesn't actually mean fault. It means a claim where they pay out and cannot recover their outlay. It may be fault, it may be fire, theft, vandalism, hit whilst parked by an unknown party, hail damage, or an uninsured driver. You would have had to declare it for the next 5 years even if they did get their money back off another party.
Update from the police, he's definitely insured, which feels a relief though insurance company would have covered the damage regardless.
I have all the chap's details, and he's been charged with failing to provide a breath sample, which to my understanding is a guaranteed ban, a quick look on Facebook it would seem his job requires a driving license, what an absolute idiot.
My cars getting assessed on Friday, damage is very minor, and if he had stopped and apologised (and was sober) I'd have told him not to worry about it, as it should polish out, I'd have asked for his details in case it didn't, but he's tried to fk me over, potentially leaving me with a big bill, so It's going through insurance as a fault claim for him, which probably pales in significance to the inevitable driving ban when he tries to get insured in the future. I did tell him at the time he needs to take responsibility for his actions, he's learning that the hard way I reckon.
Thanks to those who replied, this thankfully didn't turn into the nightmare I thought it would, I was very stressed when I wrote this post on Sunday, somehow I'd concluded he was uninsured.
I have all the chap's details, and he's been charged with failing to provide a breath sample, which to my understanding is a guaranteed ban, a quick look on Facebook it would seem his job requires a driving license, what an absolute idiot.
My cars getting assessed on Friday, damage is very minor, and if he had stopped and apologised (and was sober) I'd have told him not to worry about it, as it should polish out, I'd have asked for his details in case it didn't, but he's tried to f
k me over, potentially leaving me with a big bill, so It's going through insurance as a fault claim for him, which probably pales in significance to the inevitable driving ban when he tries to get insured in the future. I did tell him at the time he needs to take responsibility for his actions, he's learning that the hard way I reckon.Thanks to those who replied, this thankfully didn't turn into the nightmare I thought it would, I was very stressed when I wrote this post on Sunday, somehow I'd concluded he was uninsured.
carlove said:
Update from the police, he's definitely insured, which feels a relief though insurance company would have covered the damage regardless.
I have all the chap's details, and he's been charged with failing to provide a breath sample, which to my understanding is a guaranteed ban, a quick look on Facebook it would seem his job requires a driving license, what an absolute idiot.
My cars getting assessed on Friday, damage is very minor, and if he had stopped and apologised (and was sober) I'd have told him not to worry about it, as it should polish out, I'd have asked for his details in case it didn't, but he's tried to fk me over, potentially leaving me with a big bill, so It's going through insurance as a fault claim for him, which probably pales in significance to the inevitable driving ban when he tries to get insured in the future. I did tell him at the time he needs to take responsibility for his actions, he's learning that the hard way I reckon.
Thanks to those who replied, this thankfully didn't turn into the nightmare I thought it would, I was very stressed when I wrote this post on Sunday, somehow I'd concluded he was uninsured.
The insurance may try to reclaim the cost from him based on T&Cs, but they're legally bound to pay out for third party claims.I have all the chap's details, and he's been charged with failing to provide a breath sample, which to my understanding is a guaranteed ban, a quick look on Facebook it would seem his job requires a driving license, what an absolute idiot.
My cars getting assessed on Friday, damage is very minor, and if he had stopped and apologised (and was sober) I'd have told him not to worry about it, as it should polish out, I'd have asked for his details in case it didn't, but he's tried to f
k me over, potentially leaving me with a big bill, so It's going through insurance as a fault claim for him, which probably pales in significance to the inevitable driving ban when he tries to get insured in the future. I did tell him at the time he needs to take responsibility for his actions, he's learning that the hard way I reckon.Thanks to those who replied, this thankfully didn't turn into the nightmare I thought it would, I was very stressed when I wrote this post on Sunday, somehow I'd concluded he was uninsured.
Sounds like a throbber.
Sporky said:
Bear in mind that while your NCB may not change, your insurer will still ream you for it by putting up the premiums. Sorry.
I'm not too worried about that tbh, after my at fault claim about 5 years ago my insurance only went up by about £20. I've spoken to a few people at work who've had non fault accidents and none of their premiums went up.
I hope everything works out ok op.
I was rear ended in January and insurance sorted my car , when I went to get insurance for a relative (and stated a no fault claim), I am named driver on their insurance , the insurance telephonist tried to rob me saying I was more of a risk after having a no fault accident and wanted approx £300 more , after a lot of moaning and speaking to a manager I got this back down to the original quote, so in the event I was charged extra for a no fault accident would it be possible to claim for this through the insurance of the numpty that hit me or is it acase of the insurance have you by the nuts and we have to pay it .
Sorry for the rant and thread hijack.
I was rear ended in January and insurance sorted my car , when I went to get insurance for a relative (and stated a no fault claim), I am named driver on their insurance , the insurance telephonist tried to rob me saying I was more of a risk after having a no fault accident and wanted approx £300 more , after a lot of moaning and speaking to a manager I got this back down to the original quote, so in the event I was charged extra for a no fault accident would it be possible to claim for this through the insurance of the numpty that hit me or is it acase of the insurance have you by the nuts and we have to pay it .
Sorry for the rant and thread hijack.
TwigtheWonderkid said:
Sporky said:
Bear in mind that while your NCB may not change, your insurer will still ream you for it by putting up the premiums. Sorry.
You have no idea if that's true or not. Lots of insurers do not charge for a non fault accident where they recover any outlay or have no outlay. The story hasn't ended yet. My cars in for repairs at the moment, spoke to my insurers today and the third party aren't admitting liability! This afternoon (after some prompting) my insurers have sent all the evidence against the third party to them and told them they haven't got a leg to stand on. If they've not admitted liability when cars fixed on Monday I'll have to pay excess and get it back when they decide to admit liability, which if they're being dicks, may not be quick I fear. As far as my insurer are considered I have zero liability, my car got hit in the arse in traffic.
My insurance is up for renewal next week, and the renewal quote was nearly £500 more, however after a quick call with the renewals team it's gone down by £78 from last years price. I think the increase was the standard annual trying it on price increase, not due to the claim.
Hopefully I don't get hit by a drunk bellend again, this has been so bloody frustrating.
My insurance is up for renewal next week, and the renewal quote was nearly £500 more, however after a quick call with the renewals team it's gone down by £78 from last years price. I think the increase was the standard annual trying it on price increase, not due to the claim.
Hopefully I don't get hit by a drunk bellend again, this has been so bloody frustrating.
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