Accident advice

[AJB88]

Hi All,

Was at work last night, Mum called to say they had been driven into from behind at a roundabout by a young lad, only minor, no damage to their car (Rav 4), few scratches on the young lads car, swapped details and on there way.

I have since checked details and found out said car (we have one photo of it) isn't taxed, insured or MOT'd.

Told her to call police last night at 10pm (happend about 9pm) and Police weren't interested?

I'm going to take her to the local cop station in a minute to report it again, surely they should at least take some details.

[kiethton]

If its not taxed, MOT'ed or insurered what are the odds that the details given were moody?

If there is no damage to the car dont even bother telling the insurance as you'll just ramped prices for the next few years - you shouldn't, but you do...

[TwigtheWonderkid]

kiethton said:

If there is no damage to the car dont even bother telling the insurance as you'll just ramped prices for the next few years - you shouldn't, but you do...

Not true. Some insurers will, some won't.

[AJB88]

I've had a better look this morning, The plastic bit of bumper (grey plastic) does have some scratching. The boot also has a small dent and scuff.

The scuff on boot I can polish out, the dent I can't. Ran it round to Toyota and they want £461 to repair!!!!

[Yex 450]

AJB88 said:

The scuff on boot I can polish out, the dent I can't. Ran it round to Toyota and they want £461 to repair!!!!

Local "Chips Away" type franchise should do it on your drive for a fixed price per panel, will be a significant amount cheaper than a Toyota dealer

[AJB88]

Spoke to insurance and they have basically said not insured so claim of your own insurance so we said no thanks.

Have polished the scratches out and going to get it looked at for them in a few days.

[Mk3Spitfire]

Sadly, things like this are (more and more often) having to take a back seat. That said, in a lot of forces, this would still be followed up if possible. The problem is it could end up taking a lot of time and resources now its historic. Dealing with no insurance etc there and then is a lot quicker. I would try going in in person and asking for an explanation as to why they aren't doing anything. As said above...details may have been false anyway, but they may not be.


Also, you're not really meant to be checking insurance validity if the vehicle is not yours! Assuming you've used the ask mid site, where you sign to say the vehicle you're checking is yours!

[AJB88]

tbh I didn't need to check MID, as soon as I seen it wasn't taxed or MOT I knew it wouldn't be insured.

[KungFuPanda]

Mk3Spitfire said:

Sadly, things like this are (more and more often) having to take a back seat. That said, in a lot of forces, this would still be followed up if possible. The problem is it could end up taking a lot of time and resources now its historic. Dealing with no insurance etc there and then is a lot quicker. I would try going in in person and asking for an explanation as to why they aren't doing anything. As said above...details may have been false anyway, but they may not be.


Also, you're not really meant to be checking insurance validity if the vehicle is not yours! Assuming you've used the ask mid site, where you sign to say the vehicle you're checking is yours!

There is another askmid site which gives you details of the other party if you've been in an accident and whether they're insured.

[Mk3Spitfire]

AJB88 said:

tbh I didn't need to check MID, as soon as I seen it wasn't taxed or MOT I knew it wouldn't be insured.

So you don't know it's not insured then?? Or did the police then check it...and tell you?

[Mk3Spitfire]

KungFuPanda said:

There is another askmid site which gives you details of the other party if you've been in an accident and whether they're insured.

Thanks. I wasn't aware of that.

[AJB88]

parents insurance have confirmed its not insured.

[Retroman]

AJB88 said:

Spoke to insurance and they have basically said not insured so claim of your own insurance so we said no thanks.

Have polished the scratches out and going to get it looked at for them in a few days.

Now they'll potentially need to claim the accident for the next 5 years.

[shakotan]

Now they need to approach the Motor Insurers Bureau and claim through them.

[snorky782]

shakotan said:

Now they need to approach the Motor Insurers Bureau and claim through them.

They can approach all they like, but they won't be able to claim for the following reasons:

1. It's an insurer of last resort. If any other insurance exists then the MIB does not pay out. The OP's parents have fully comp, that kicks in ahead of the MIB

2. The MIB has a minimum £300 excess on all claims and only pay out above that.

EDIT: because I'm an idiot as pointed out below.

Edited by snorky782 on Friday 20th May 17:00

[TwigtheWonderkid]

snorky782 said:

2. The MIB has a minimum £500 excess on all claims and only pay out above that.

Have they upped it? It was £300 not long ago.

[scorcher]

snorky782 said:

They can approach all they like, but they won't be able to claim for the following reasons:

1. It's an insurer of last resort. If anyone other insurance exists then the MIB does not pay out. The OP's parents have fully comp, that kicks in ahead of the MIB

You sure about that? My other half was rear ended, Sept 2014 I think, driver dumped car and ran, registered keeper claimed it was a "pool car car, used by a few people, but not him, that night". It was insured, my missus is insured FC, but she has a claim ongoing with the MIB. Car repaired through her own insurance.

All I'll say is, they're useless to deal with.
They're trying to argue the toss over a a few quid but surely if it was as you stated above, the claim wouldn't have been ongoing for as long as it has?

[snorky782]

scorcher said:

snorky782 said:

They can approach all they like, but they won't be able to claim for the following reasons:

1. It's an insurer of last resort. If anyone other insurance exists then the MIB does not pay out. The OP's parents have fully comp, that kicks in ahead of the MIB

You sure about that? My other half was rear ended, Sept 2014 I think, driver dumped car and ran, registered keeper claimed it was a "pool car car, used by a few people, but not him, that night". It was insured, my missus is insured FC, but she has a claim ongoing with the MIB. Car repaired through her own insurance.

All I'll say is, they're useless to deal with.
They're trying to argue the toss over a a few quid but surely if it was as you stated above, the claim wouldn't have been ongoing for as long as it has?

Yours is an untraced driver claim, not an uninsured driver claim.

[snorky782]

TwigtheWonderkid said:

Have they upped it? It was £300 not long ago.

You're right, I'm an idiot, but given the claim is for £490 if he goes through a Toyota dealer, the. It hardly seems worthwhile.

I've edited my post

Thanks

[AJB88]

We aren't proceeding at all, informed parents insurance that we don't want to claim and we will fix the damage ourselves.

they actually advised to go through MIB though.