Recovery demand from MIB
Discussion
This is the story so far (well the story that's been told to me)
4 years ago there was a car accident, Police involved both drivers needed hospital treatment. Seem's it was 50/50 fault.
Now the problem - One of the drivers insurance had expired 2 days prior to the accident and he only found out about it when making a claim for this accident. He did not get paid out for anything and there was no further Police involvement.
The uninsured driver moved around a fair bit and heard nothing more.......until today.
Today he has received a letter from MIB Recovery Agents asking him to contact them and make a payment plan to repay £40,000.
Now for this person this has come as quite a shock because making a payment plan for £400 would be tricky let alone £40,000.
The driver will speak o the Agent but I was wondering if anyone had any experience of this type of thing.
4 years ago there was a car accident, Police involved both drivers needed hospital treatment. Seem's it was 50/50 fault.
Now the problem - One of the drivers insurance had expired 2 days prior to the accident and he only found out about it when making a claim for this accident. He did not get paid out for anything and there was no further Police involvement.
The uninsured driver moved around a fair bit and heard nothing more.......until today.
Today he has received a letter from MIB Recovery Agents asking him to contact them and make a payment plan to repay £40,000.
Now for this person this has come as quite a shock because making a payment plan for £400 would be tricky let alone £40,000.
The driver will speak o the Agent but I was wondering if anyone had any experience of this type of thing.
He was uninsured, MIB paid the other party and are now seeking to recover their costs as per their policy : https://www.mib.org.uk/media/166920/2015-uninsured...
marshalla said:
He was uninsured, MIB paid the other party and are now seeking to recover their costs as per their policy : https://www.mib.org.uk/media/166920/2015-uninsured...
Looks about right. You gotta laugh.
marshalla said:
He was uninsured, MIB paid the other party and are now seeking to recover their costs as per their policy : https://www.mib.org.uk/media/166920/2015-uninsured...
This.MIB paid out to the injured party and now they want the money.
Does he have a house? Not for long.
Nezquick said:
Hate to say it but I'm glad they're trying to recover their money. Good luck to them.
Uninsured drivers deserve all they get.
Bang on. It's us, the insured drivers, that fund the MIB. Thru a levy imposed on all insurers, which ultimately is reflected in premiums. So hopefully this'll be £40K less we'll have to fork out between us.Uninsured drivers deserve all they get.
Sorry to sound harsh but this really annoys me when I see people claiming "my insurance ran out and I didn't realise" when they're caught driving without insurance.
It's not like you aren't sent a billion letters, take a thousand sales calls and a few text messages reminding you that your car insurance is about to expire, every policy I've ever had has automatically renewed if I just leave it to expire, and I'm sure insurance companies do this deliberately to avoid this sort of issue.
Your friend will have known damn well he wasn't insured.
They took a chance driving with no cover for a few days - perhaps waiting until payday - unfortunately, it didn't pay off and it's cost other motorists £40k, now quite rightly this money needs to be recovered, better get liquidating assets.
It's not like you aren't sent a billion letters, take a thousand sales calls and a few text messages reminding you that your car insurance is about to expire, every policy I've ever had has automatically renewed if I just leave it to expire, and I'm sure insurance companies do this deliberately to avoid this sort of issue.
Your friend will have known damn well he wasn't insured.
They took a chance driving with no cover for a few days - perhaps waiting until payday - unfortunately, it didn't pay off and it's cost other motorists £40k, now quite rightly this money needs to be recovered, better get liquidating assets.
worsy said:
Hang on a minute though, 50/50, surely therefore each party covers own costs?
No. 50/50 means that each party is liable for 50% of the other's costs. If the other party had an injury that amounted to £60K in pain, suffering and lost earnings the OP's friend (or his insurers, if he had any) would have to pay £30K in injury compensation. Plus half the damage to the other car, and half the damage to road furniture etc.You're confusing 50/50 with knock for knock, which was an agreement between insurance companies not to seek to recover costs from each other regardless of blame. It was scrapped a couple of decades ago.
Aretnap said:
No. 50/50 means that each party is liable for 50% of the other's costs. If the other party had an injury that amounted to £60K in pain, suffering and lost earnings the OP's friend (or his insurers, if he had any) would have to pay £30K in injury compensation. Plus half the damage to the other car, and half the damage to road furniture etc.
You're confusing 50/50 with knock for knock, which was an agreement between insurance companies not to seek to recover costs from each other regardless of blame. It was scrapped a couple of decades ago.
^^ ThisYou're confusing 50/50 with knock for knock, which was an agreement between insurance companies not to seek to recover costs from each other regardless of blame. It was scrapped a couple of decades ago.
You have 3 dates to remember if you run a vehicle, insurance, MOT and tax. Most phones have a calendar. If you can't cope with it, and the responsibility is too much, then maybe having a car is beyond you.
vonhosen said:
worsy said:
Hang on a minute though, 50/50, surely therefore each party covers own costs? This would suggest the uninsured party was held to blame.
I appreciate that costs for ambulance and street furniture would be a liability, but 40k??
Half total costs, not their own costs.I appreciate that costs for ambulance and street furniture would be a liability, but 40k??
Aretnap said:
worsy said:
Hang on a minute though, 50/50, surely therefore each party covers own costs?
No. 50/50 means that each party is liable for 50% of the other's costs. If the other party had an injury that amounted to £60K in pain, suffering and lost earnings the OP's friend (or his insurers, if he had any) would have to pay £30K in injury compensation. Plus half the damage to the other car, and half the damage to road furniture etc.You're confusing 50/50 with knock for knock, which was an agreement between insurance companies not to seek to recover costs from each other regardless of blame. It was scrapped a couple of decades ago.
Edited to sya. Op's "mate" could go after half his costs then to reduce the bill
worsy said:
Hang on a minute though, 50/50, surely therefore each party covers own costs? This would suggest the uninsured party was held to blame.
I appreciate that costs for ambulance and street furniture would be a liability, but 40k??
Injuries, damage to vehicle, loss of earnings, legal costs, interest.......I appreciate that costs for ambulance and street furniture would be a liability, but 40k??
He's lucky it's not £100k.
This should be a lesson to those who say "oh well I don't need insurance". If you have any assets then expect to lose them, house included.
Nezquick said:
Hate to say it but I'm glad they're trying to recover their money. Good luck to them.
Uninsured drivers deserve all they get.
Uninsured drivers deserve all they get.
If whoever forgot actually forgot then it's unfortunate OP however I hope MIB are able to reclaim every last penny. It's good to see a driver who has done the correct thing (i.e. the party who was insured) getting proper assistance.
My advice would be for your acquaittance to contact MIB very quickly and show willingness to construct a payment plan of some sort. They [the person MIB are demanding repayment from] want to avoid it going to court at ALL costs.
MrBarry123 said:
Nezquick said:
Hate to say it but I'm glad they're trying to recover their money. Good luck to them.
Uninsured drivers deserve all they get.
Uninsured drivers deserve all they get.
If whoever forgot actually forgot then it's unfortunate OP however I hope MIB are able to reclaim every last penny. It's good to see a driver who has done the correct thing (i.e. the party who was insured) getting proper assistance.
My advice would be for your acquaittance to contact MIB very quickly and show willingness to construct a payment plan of some sort. They [the person MIB are demanding repayment from] want to avoid it going to court at ALL costs.
Our hero is going to have to pay this off for the REST OF TIME at say £400 a month. If he's lucky.
If he has assets such as a property they may well seek to charge it, to secure payment, or even force a sale.
Expensive mistake.
Edited by Soov535 on Tuesday 7th June 17:06
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