Insurance claim from drunk in stolen van
Discussion
This is more just a how will this pan out and what would happen on a personal policy.
My brother has just been on the phone saying the building site he has been on today was visited by a drunk in a stolen van.
They were digging trenches and it was all fenced off etc as it would be and he wants to be through. He is told no and the police called.
This chap then decides to drive at them all through the fences and nearly looses the van in a trench.
A few minor injuries but nobody seriously injured.
He then starts shouting who's the vans on site are and starts smashing in to them in his van. A few work vans and a few council vans damaged in the process then he drives off.
A little later the Police turn up to take statements and confirm he was arrested not far away.
My question is what happens in the case of insurance claims for damaged vehicles here? As his van was stolen and he was drunk.
Who would claim off who etc?
My brother has just been on the phone saying the building site he has been on today was visited by a drunk in a stolen van.
They were digging trenches and it was all fenced off etc as it would be and he wants to be through. He is told no and the police called.
This chap then decides to drive at them all through the fences and nearly looses the van in a trench.
A few minor injuries but nobody seriously injured.
He then starts shouting who's the vans on site are and starts smashing in to them in his van. A few work vans and a few council vans damaged in the process then he drives off.
A little later the Police turn up to take statements and confirm he was arrested not far away.
My question is what happens in the case of insurance claims for damaged vehicles here? As his van was stolen and he was drunk.
Who would claim off who etc?
PurpleMoonlight said:
If the thief is identified (as in the guy driving is confirmed to have stolen the van) the insurance company for the van are liable.After my previous car was stolen and written off I received a nice bill from Liverpool council for some damage to 'street furniture'
Passed on to my insurance company who sorted out the claim.
I guess the insurance company then attempt to get the money from the thief if they can be identified.
Passed on to my insurance company who sorted out the claim.
I guess the insurance company then attempt to get the money from the thief if they can be identified.
GC8 said:
PurpleMoonlight said:
ZOLLAR said:
If the thief is identified (as in the guy driving is confirmed to have stolen the van) the insurance company for the van are liable.
Ah, okay. My bad.dacouch said:
GC8 said:
You weren't that far wrong. If the driver wasn't identified then theyd have to claim from the MIB.
Although the MIB will pass it back to the Insurer of the vehicle to pay the claim if there was an Insurance Policy in place on the vehicleTwigtheWonderkid said:
No they won't. If the driver isn't identified, the MIB pay and do not involve the vehicle insurer. There are some circumstances where MIB go after insurers as the last insurer or current insurer involved, but this isn't one of them.
The Insurer of the vehicle would be an "Article 75 Insurer" so it would be an MIB claim but the Insurer would pay itThe definitive answer can be found in sub paragraphs d) e) & g) on page 4 here - https://www.mib.org.uk/media/166920/2015-uninsured...
ant leigh said:
After my previous car was stolen and written off I received a nice bill from Liverpool council for some damage to 'street furniture'
Passed on to my insurance company who sorted out the claim.
I guess the insurance company then attempt to get the money from the thief if they can be identified.
Totally off topic but I really cringe at the phrase Street Furniture. It brings to mind colourful sofas and fancy reading lamps lining the pavements, when in reality it's dull functional posts, dirty street signs and rusting grey lamp posts.Passed on to my insurance company who sorted out the claim.
I guess the insurance company then attempt to get the money from the thief if they can be identified.
Anyway, as you were....
Red Devil said:
The definitive answer can be found in sub paragraphs d) e) & g) on page 4 here - https://www.mib.org.uk/media/166920/2015-uninsured...
This is an informative explanation of Article 75 & Section 151 as wellhttp://www.12kbw.co.uk/userfiles/Documents/Motor_i...
Lady Muck said:
Totally off topic but I really cringe at the phrase Street Furniture. It brings to mind colourful sofas and fancy reading lamps lining the pavements, when in reality it's dull functional posts, dirty street signs and rusting grey lamp posts.
Anyway, as you were....
Things are different in Windermere - we have £1000 cast aluminium and hardwood benches imported by Cumbria County Council from Texas, USA!!Anyway, as you were....
Most have been destroyed by cars that accidentally bumped them while parking, breaking the aluminium castings, and unfortunately very few motorists involved report their accident and provide their insurance details.
Our locally made wooden benches provided by the civic society and local council fair much better and cost less - and can be easily repaired!
GC8 said:
You weren't that far wrong. If the driver wasn't identified then theyd have to claim from the MIB.
On the contrary - the MIB refused to deal with the claim when my wife was hit by a Focus on cloned plates on the basis that the driver hadn't been identified. Finally an accident that 100% wasn't her fault and it still cost me excess/NCD/increased premiums.
oldcynic said:
On the contrary - the MIB refused to deal with the claim when my wife was hit by a Focus on cloned plates on the basis that the driver hadn't been identified. Finally an accident that 100% wasn't her fault and it still cost me excess/NCD/increased premiums.
He may be right! MIB used to only deal with injury claims as the old RTA cover only required cover for third party personal injury, but then thanks to our EU membership an EU directive required compulsory third party property damage cover (Directive IV IIRC) so it depends when the incident you mention took place.And regardless of whether the MIB "pay" the claim or require the vehicle insurer to pay it, in reality we all pay it - claims "paid" by the MIB are funded by a levy on all UK motor insurers and guess what, they divide that up among what they charge all of us law-abiding motorists.
So as in walks of life the honest, reasonable people pay for the feckless tw*ts as usual!
Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff