Involved in a hit and run
Discussion
Just been involved in a hit and run taking the family out for my lads birthday.
Leaving a roundabout in lane 2 ( marked straight ahead ) when the car to my left in a straight ahead lane decide to turn right but struck my car on the rear nearside ripping half the bumper off and denting the nearside rear wing.
Stopped as safely as possible to see the other car slow down then continue round the roundabout behind and shoot off and obviously never came back.
Half 7 at night so dark and and no number plate. Car looked like a dark saloon but that's all I got.
Couldn't go after him as that would have meant reversing back onto the roundabout.
Just a 63 plate Mondeo estate but it is (was) immaculate and bloody fuming.
Never claimed on insurance or had an accident in 31 years of driving.
Just filled in an accident on the Thames Valley Police site and will contact insurance in the morning but I assume this will be rather expensive for me.
Balls
Leaving a roundabout in lane 2 ( marked straight ahead ) when the car to my left in a straight ahead lane decide to turn right but struck my car on the rear nearside ripping half the bumper off and denting the nearside rear wing.
Stopped as safely as possible to see the other car slow down then continue round the roundabout behind and shoot off and obviously never came back.
Half 7 at night so dark and and no number plate. Car looked like a dark saloon but that's all I got.
Couldn't go after him as that would have meant reversing back onto the roundabout.
Just a 63 plate Mondeo estate but it is (was) immaculate and bloody fuming.
Never claimed on insurance or had an accident in 31 years of driving.
Just filled in an accident on the Thames Valley Police site and will contact insurance in the morning but I assume this will be rather expensive for me.
Balls
Edited by nessiemac on Friday 22 November 23:10
nessiemac said:
Just been involved in a hit and run taking the family out for my lads birthday.
Leaving a roundabout in lane 2 ( marked straight ahead ) when the car to my left in a straight ahead lane decide to turn right but struck my car on the rear nearside ripping half the bumper off and denting the nearside rear wing.
Stopped as safely as possible to see the other car slow down then continue round the roundabout behind and shoot off and obviously never came back.
Half 7 at night so dark and and no number plate. Car looked like a dark saloon but that's all I got.
Couldn't go after him as that would have meant reversing back onto the roundabout.
Just a 63 plate Mondeo estate but it is (was) immaculate and bloody fuming.
Never claimed on insurance or had an accident in 31 years of driving.
Just filled in an accident on the Thames Valley Police site and will contact insurance in the morning but I assume this will be rather expensive for me.
Balls
If the other driver stays untraced your claim will be against the MIB. It'll probably take a bit longer but won't ultimately cost you any more than had chummy stopped and given you his insurance details. Leaving a roundabout in lane 2 ( marked straight ahead ) when the car to my left in a straight ahead lane decide to turn right but struck my car on the rear nearside ripping half the bumper off and denting the nearside rear wing.
Stopped as safely as possible to see the other car slow down then continue round the roundabout behind and shoot off and obviously never came back.
Half 7 at night so dark and and no number plate. Car looked like a dark saloon but that's all I got.
Couldn't go after him as that would have meant reversing back onto the roundabout.
Just a 63 plate Mondeo estate but it is (was) immaculate and bloody fuming.
Never claimed on insurance or had an accident in 31 years of driving.
Just filled in an accident on the Thames Valley Police site and will contact insurance in the morning but I assume this will be rather expensive for me.
Balls
Edited by nessiemac on Friday 22 November 23:10
Groat said:
If the other driver stays untraced your claim will be against the MIB. It'll probably take a bit longer but won't ultimately cost you any more than had chummy stopped and given you his insurance details.
So I just contact my insurance company in the morning and let them take it up?Groat said:
If the other driver stays untraced your claim will be against the MIB. It'll probably take a bit longer but won't ultimately cost you any more than had chummy stopped and given you his insurance details.
It the OP has comprehensive insurance the claim will be on their own policy not through the MIB. If the OP doesn't have comprehensive insurance and is unable to identify the vehicle responsible then they will still not be able to claim via the MIB as it was a damage only accident.
Cat
Edited by Cat on Friday 22 November 23:51
nessiemac said:
So I just contact my insurance company in the morning and let them take it up?
Yep. Your claim will be against the MIB via your insurers. You'll also need to get the cops informed asap if not done already. No injuries I hope. But If so you should also get medical ratification asap.
MIB are funny f
kers. Ultra keen on proper claim procedures being followed. https://www.mib.org.uk/making-a-claim/claiming-aga...
Edited by Groat on Friday 22 November 23:55
Groat said:
Yep. Your claim will be against the MIB via your insurers. You'll also need to get the cops informed asap if not done already.
No injuries I hope. But If so you should also get medical ratification asap.
MIB are funny fkers. Ultra keen on proper claim procedures being followed.
https://www.mib.org.uk/making-a-claim/claiming-aga...
Police report all done online. Fully comp insurance with full no claims. Cheers. No injuries I hope. But If so you should also get medical ratification asap.
MIB are funny f
kers. Ultra keen on proper claim procedures being followed. https://www.mib.org.uk/making-a-claim/claiming-aga...
Edited by Groat on Friday 22 November 23:55
A while back coming out of Cardiff 2 lanes then go into one ,some girl drove across wife ,small dent on wing arch and scratched alloy,they pulled over driver saying sorry it’s my fault and I’ll pay cash as insurance is sky high already,swap details wife takes pics of both cars ,hers was proper rear wheel arch fked and part ways ,wife rings me upset and all ,I tell to take five calm down then go home ,wife gets quote off local guy phones next day ,oh I weren’t expecting that I’ll get back ,then no answer tried a few times ,nothing typical,so I ring and explain who I am and repeat what she said ,total denial of that and hangs up then must block me cause I can’t get through,why are people such tts ,anyway I need two new wings at some point cause mk5 golf so I’ll take this on the chin ,maybe it’ll speed me up to give my car some tlc,but I have address and reg no ,thought about letting insurance deal with but then it’s a can of worms,sorry for banging on but this is what happens,people admit this and that get home and have rethink,different in your case
ked and part ways ,wife rings me upset and all ,I tell to take five calm down then go home ,wife gets quote off local guy phones next day ,oh I weren’t expecting that I’ll get back ,then no answer tried a few times ,nothing typical,so I ring and explain who I am and repeat what she said ,total denial of that and hangs up then must block me cause I can’t get through,why are people such tts ,anyway I need two new wings at some point cause mk5 golf so I’ll take this on the chin ,maybe it’ll speed me up to give my car some tlc,but I have address and reg no ,thought about letting insurance deal with but then it’s a can of worms,sorry for banging on but this is what happens,people admit this and that get home and have rethink,different in your caseEdited by eskidavies on Saturday 23 November 00:08
nessiemac said:
Police report all done online. Fully comp insurance with full no claims. Cheers.
As you have fully comp insurance the MIB will not be involved. If the vehicle responsible cannnot be identified/traced your insurance company will pay for the repairs to your vehicle (it may or may not impact no claims depending on your insurer's policy re hit and run accidents).
Cat
3. The MIB will pay compensation even if you are able to claim under your own comprehensive policy of insurance
Many people hit by uninsured or untraceable drivers claim under their own insurance policy, meaning that they sometimes face substantial excess payments and increased future premiums. The MIB can still indemnify losses that are otherwise insured, and in some circumstances, not insured, under your own policy. Many insurers will also protect your “no claims bonus” when you claim from the MIB.
Many people hit by uninsured or untraceable drivers claim under their own insurance policy, meaning that they sometimes face substantial excess payments and increased future premiums. The MIB can still indemnify losses that are otherwise insured, and in some circumstances, not insured, under your own policy. Many insurers will also protect your “no claims bonus” when you claim from the MIB.
......and there's NO requirement for personal injury......at least according to the MIB 2017 Agreement:
PART 1 - GENERAL TERMS AND CONDITIONS
SCOPE OF THE AGREEMENT
3. (1) The provisions of this Agreement apply where —
(a) the claim is in respect of the death of or bodily injury to any person
or damage to property which has been caused by, or has arisen out
of, the use of a motor vehicle on a road or other public place in Great
Britain, and
(b) the death of or bodily injury to any person or damage to property
occurred in circumstances giving rise to a liability of a kind required
to be covered by a contract of insurance under Part VI of the 1988
Act, and
(c) subject to clause 23, the person who is alleged to be liable in respect
of the death of or bodily injury to any person or damage to property
is an unidentified person (and where more than one person is alleged
to be so liable, all such persons are unidentified persons), and
(d) the claim is made within the time limits provided for the victims of
identified drivers bringing actions in tort by the Limitation Act 1980
(with regard to England and Wales) or in delict by the Prescription
and Limitation (Scotland) Act 1973 (with regard to Scotland).
PART 1 - GENERAL TERMS AND CONDITIONS
SCOPE OF THE AGREEMENT
3. (1) The provisions of this Agreement apply where —
(a) the claim is in respect of the death of or bodily injury to any person
or damage to property which has been caused by, or has arisen out
of, the use of a motor vehicle on a road or other public place in Great
Britain, and
(b) the death of or bodily injury to any person or damage to property
occurred in circumstances giving rise to a liability of a kind required
to be covered by a contract of insurance under Part VI of the 1988
Act, and
(c) subject to clause 23, the person who is alleged to be liable in respect
of the death of or bodily injury to any person or damage to property
is an unidentified person (and where more than one person is alleged
to be so liable, all such persons are unidentified persons), and
(d) the claim is made within the time limits provided for the victims of
identified drivers bringing actions in tort by the Limitation Act 1980
(with regard to England and Wales) or in delict by the Prescription
and Limitation (Scotland) Act 1973 (with regard to Scotland).
Groat said:
3. The MIB will pay compensation even if you are able to claim under your own comprehensive policy of insurance
Many people hit by uninsured or untraceable drivers claim under their own insurance policy, meaning that they sometimes face substantial excess payments and increased future premiums. The MIB can still indemnify losses that are otherwise insured, and in some circumstances, not insured, under your own policy. Many insurers will also protect your “no claims bonus” when you claim from the MIB.
Not sure where you are getting this from but the MIB's own information is clearMany people hit by uninsured or untraceable drivers claim under their own insurance policy, meaning that they sometimes face substantial excess payments and increased future premiums. The MIB can still indemnify losses that are otherwise insured, and in some circumstances, not insured, under your own policy. Many insurers will also protect your “no claims bonus” when you claim from the MIB.
MIB said:
Accidents involving damage to your vehicle on or after 1 August 2015
If you have comprehensive insurance for your vehicle
We cannot deal with your vehicle damage claim. You should make a claim for repair with your own insurer.
CatIf you have comprehensive insurance for your vehicle
We cannot deal with your vehicle damage claim. You should make a claim for repair with your own insurer.
Groat said:
......and there's NO requirement for personal injury......at least according to the MIB 2017 Agreement:
Read Clauses 6 and 7 of the MIB guidance notes regarding untraced drivers.The OP may be able to recover uninsured losses via the MIB but their fully comp policy will cover the repairs to their vehicle not the MIB.
Cat
Cat said:
The OP may be able to recover uninsured losses via the MIB but his fully comp policy will cover the repairs to his vehicle not the MIB.
Yes that's what will/should happen if he is comprehensively insured and has not been significantly injured. However, it doesn't really help to assume right now that the cops won't trace the car, and if they do that a whole different story won't emerge.
Perhaps the driver WAS or WASN'T insured, and/or he or a passenger was injured and required immediate hospital attention which is why he/she didn't stop.
Perhaps the driver has now phoned the police himself to report the incident. Perhaps he'll dispute fault in part or whole.
So maybe its a 'straightforward' hit and run, or maybe it's an incident with an uninsured driver or maybe it's a hit and run by an insured driver or maybe a hundred things.
Bit unwise to quickly jump to conclusions.
Edited by Groat on Saturday 23 November 02:06
Groat said:
Cat said:
The OP may be able to recover uninsured losses via the MIB but his fully comp policy will cover the repairs to his vehicle not the MIB.
Yes that's what will/should happen if he is comprehensively insured and has not been significantly injured. Cat
Groat said:
Yes that's what will/should happen if he is comprehensively insured and has not been significantly injured.
However, it doesn't really help to assume right now that the cops won't trace the car, and if they do that a whole different story won't emerge.
Perhaps the driver WAS or WASN'T insured, and/or he or a passenger was injured and required immediate hospital attention which is why he/she didn't stop.
Perhaps the driver has now phoned the police himself to report the incident. Perhaps he'll dispute fault in part or whole.
So maybe its a 'straightforward' hit and run, or maybe it's an incident with an uninsured driver or maybe it's a hit and run by an insured driver or maybe a hundred things.
Bit unwise to quickly jump to conclusions.
It is even less wise to say something incorrect and then keep digging.However, it doesn't really help to assume right now that the cops won't trace the car, and if they do that a whole different story won't emerge.
Perhaps the driver WAS or WASN'T insured, and/or he or a passenger was injured and required immediate hospital attention which is why he/she didn't stop.
Perhaps the driver has now phoned the police himself to report the incident. Perhaps he'll dispute fault in part or whole.
So maybe its a 'straightforward' hit and run, or maybe it's an incident with an uninsured driver or maybe it's a hit and run by an insured driver or maybe a hundred things.
Bit unwise to quickly jump to conclusions.
The first words you posted in this thread were
Groat said:
If the other driver stays untraced your claim will be against the MIB
This is simply incorrect based on the situation given by the OP. The stuff you've selectively cut and pasted from the internet doesn't support your statement. You've created a whole series of "what ifs" and "what abouts", none of which appear to apply to the OP, and even if they did, they still wouldn't make your original statement correct.
From the information given in the OP the claim was never going to be against the MIB, In each of the "what if" scenarios you've posted it will be either a claim via the OP's insurance or, if traced, the other driver's insurance (if they're insured), or some combination of the two. In none of them will it be the MIB.
You are correct that the OP should contact their own insurer, but it won't be to make a claim against the MIB.
Cat
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