Hit by (Probably) Uninisured Driver - What to expect next?
Discussion
As per title.
Was driving up a 20mph road. Some scrote in Audi Hatchback comes out of side junction at speed and I go into him. Not a chance to stop.
He doesn't hang around & takes off at a great rate of knots - couldn't get away quick enough.
Got what I think I the correct number plate - not showing on tax / insurance - very dodgy.
Spoke to police 101 who took details & said come down in person with your insurance, licence etc.
They have already given me an incident number & have been very helpful - I will pay them a visit tomorrow morning.
Not expecting them to catch this creature though. Once I've spoken to them , I'll get in touch with insurance co afterwards.
Car is driveable, no engine lights on or anything like that. Bumper, o/side light & wing aren;t good though.
Anyone had a similar experience? Just wondering what to expect with regards insurance etc with untraceable drivers.
Thanks muchly in advance for any advice.
Was driving up a 20mph road. Some scrote in Audi Hatchback comes out of side junction at speed and I go into him. Not a chance to stop.
He doesn't hang around & takes off at a great rate of knots - couldn't get away quick enough.
Got what I think I the correct number plate - not showing on tax / insurance - very dodgy.
Spoke to police 101 who took details & said come down in person with your insurance, licence etc.
They have already given me an incident number & have been very helpful - I will pay them a visit tomorrow morning.
Not expecting them to catch this creature though. Once I've spoken to them , I'll get in touch with insurance co afterwards.
Car is driveable, no engine lights on or anything like that. Bumper, o/side light & wing aren;t good though.
Anyone had a similar experience? Just wondering what to expect with regards insurance etc with untraceable drivers.
Thanks muchly in advance for any advice.
No injuries & fully comp thankfully.
PITA as I had a service booked for next week, ahead of the MOT at the end of March.
Will have to cancel the service now.
Not sure what happens if away for repair & MOT expires, but hopefully it can be done quickly.
Insurer has been pretty decent in the past to be fair.
Thanks for the replies folks. Much appreciated.
PITA as I had a service booked for next week, ahead of the MOT at the end of March.
Will have to cancel the service now.
Not sure what happens if away for repair & MOT expires, but hopefully it can be done quickly.
Insurer has been pretty decent in the past to be fair.
Thanks for the replies folks. Much appreciated.
MIB will cover all costs and no claims bonus won’t be affected.
You’ll have to pay your excess but will eventually get it back. Hence why all insurers say they cover you if hit by an uninsured driver. They make out like it’s a perk but I’d imagine all vehicle insurance companies have to provide this.
You’ll have to pay your excess but will eventually get it back. Hence why all insurers say they cover you if hit by an uninsured driver. They make out like it’s a perk but I’d imagine all vehicle insurance companies have to provide this.
GolfDragon said:
MIB will cover all costs and no claims bonus won’t be affected.
You’ll have to pay your excess but will eventually get it back. Hence why all insurers say they cover you if hit by an uninsured driver. They make out like it’s a perk but I’d imagine all vehicle insurance companies have to provide this.
This is completely wrong.You’ll have to pay your excess but will eventually get it back. Hence why all insurers say they cover you if hit by an uninsured driver. They make out like it’s a perk but I’d imagine all vehicle insurance companies have to provide this.
The MIB is an insurer of last resort. It's main purpose is to make sure that people who have been seriously injured by uninsured drivers aren't left destitute if they are unable to work - not to make sure that they keep their no claims bonuses. So it will only pay for losses which are not covered by any insurance policy, including your own.
If the OP has comprehensive cover then he will have to claim on his own policy. His insurer can't in turn claim their own payout back from the MIB. They are big boys, paying claims is what they do for a living, and they don't need an organisation like the MIB to bail them out.
OTOH he has third party cover only then he might be able to claim from the MIB.
Only speaking from personal experience.
My car was written off by an uninsured driver who left the scene. I had my excess deducted from the payout but 18 months later got the excess back and told my no claims was unaffected.
Maybe I wrongly assumed the money came from the MIB and it came from my insurers pocket (I’m just cynical of the insurance industry and can’t see them paying out using their own money if the MIB are designed to help in these claims).
My car was written off by an uninsured driver who left the scene. I had my excess deducted from the payout but 18 months later got the excess back and told my no claims was unaffected.
Maybe I wrongly assumed the money came from the MIB and it came from my insurers pocket (I’m just cynical of the insurance industry and can’t see them paying out using their own money if the MIB are designed to help in these claims).
GolfDragon said:
Only speaking from personal experience.
My car was written off by an uninsured driver who left the scene. I had my excess deducted from the payout but 18 months later got the excess back and told my no claims was unaffected.
Maybe I wrongly assumed the money came from the MIB and it came from my insurers pocket (I’m just cynical of the insurance industry and can’t see them paying out using their own money if the MIB are designed to help in these claims).
Your insurer causing didn't get anything from the MIB - the role of the MIB is not to prevent individual insurers from having to pay claims.My car was written off by an uninsured driver who left the scene. I had my excess deducted from the payout but 18 months later got the excess back and told my no claims was unaffected.
Maybe I wrongly assumed the money came from the MIB and it came from my insurers pocket (I’m just cynical of the insurance industry and can’t see them paying out using their own money if the MIB are designed to help in these claims).
It's not impossible that they did eventually catch up with the uninsured driver and extracted the money from him personally (not all uninsured drivers are penniless scrotes).
Or perhaps you had one of the insurers who have an uninsured driver promise and it just took them eighteen months to activate it for.some.reason.
But it was nowt to do with the MIB, and there's no general principle that says that insurers have to refund your excess and restore your NCD if an uninsured driver is involved.
GasEngineer said:
So it seems that really all the "Uninsured Driver Promise" is - is no impact on your no claims discount come renewal?
If the OP did not manage to get the correct VRN given the haste in which the other driver fled the scene, would he lose (part of) his NCD ?
I'm not sure about uninsured driver promises, but it'll come down to the semantics around fault/non fault. If the OP did not manage to get the correct VRN given the haste in which the other driver fled the scene, would he lose (part of) his NCD ?
It doesn't actually indicate whether the incident was anyone's fault, just whether the policy holder's/named driver's insurer paid out.
e.g. in theft, it's a fault claim. In the example where the poster said his NCD was unaffected, they likely recovered the funds from the third party, so initially it was a fault claim, then non fault.
Personally, I wish they'd change the terminology as it's why people get upset: "How can it be my fault if my car was nicked/vandalised/hit by a mystery vehicle?" etc
anonymous said:
[redacted]
Laugh away. You're confusing NCD with with the potential impact on premium of declaring non fault claims/losses. NCD can be unaffected but the premium may rise. It may not. It's been discussed at length in this forum. It's also understood that partial loss of NCD doesn't have a huge effect.
GasEngineer said:
So it seems that really all the "Uninsured Driver Promise" is - is no impact on your no claims discount come renewal?
If the OP did not manage to get the correct VRN given the haste in which the other driver fled the scene, would he lose (part of) his NCD ?
Usually it's two things: (1) no need to pay your excess if hit by an uninsured driver and (2) no reduction in your no claims bonus (which is not the same as no impact at all on your premium).If the OP did not manage to get the correct VRN given the haste in which the other driver fled the scene, would he lose (part of) his NCD ?
It generally comes with some caveats. You normally have to have identified the vehicle involved - otherwise everyone who reversed into a tree could just keep their excess and NCB by claiming that their car was hit by an untraceable driver in the middle of the night. And you usually have to convince your insurer that the accident was the fault of the uninsured driver - ie it doesn't apply if you drive into the back of someone who turns out to be uninsured.
So if the OP didn't get the VRN then that could be a problem for him. But not all insurance companies apply their promise in the same way so it's worth checking. And of course if he bought the cheapest policy he could find from the top of a price comparison site it quite likely won't have an uninsured driver promise at all, so the VRN would be academic in any event.
OK update....
Went to plod, very helpful, but couldn't trace the number or variants of.it. Gave me another ref no & ask me to talk me through what had happened with google maps / streetview. Said based on what I had said & the way the scrote took off that it was almost certainly not my fault & he was untaxed/uninsured/off his tits on drugs/drink.
Didn't need to see docs as all checked online.
Also gave a contact number for updates (not expecting any to be fair), & a contact for the insurance company, should they need to speak to them.
Interestingly they did say that it will flag up if said scrote takes his Audi to a bodyshop, based on the partial no plate & nature of damages (passenger side).
Kicked off the instuance claim, they also agree that based on what I;ve told them & the circumstances that it wasn't my fault (20mph zone etcm, scrote shot across at junction without stopping etc). Need to take upload photos & call them back tomorrow.
PITA, but at least the Police & Insurance have been helpful so far, fair play.
Went to plod, very helpful, but couldn't trace the number or variants of.it. Gave me another ref no & ask me to talk me through what had happened with google maps / streetview. Said based on what I had said & the way the scrote took off that it was almost certainly not my fault & he was untaxed/uninsured/off his tits on drugs/drink.
Didn't need to see docs as all checked online.
Also gave a contact number for updates (not expecting any to be fair), & a contact for the insurance company, should they need to speak to them.
Interestingly they did say that it will flag up if said scrote takes his Audi to a bodyshop, based on the partial no plate & nature of damages (passenger side).
Kicked off the instuance claim, they also agree that based on what I;ve told them & the circumstances that it wasn't my fault (20mph zone etcm, scrote shot across at junction without stopping etc). Need to take upload photos & call them back tomorrow.
PITA, but at least the Police & Insurance have been helpful so far, fair play.
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