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un-insured t0sser
Posted: Sun Jun 21, 2009 12:37 am
by Evo
Got a 330 CI sport 2 weeks ago,
Well tonight driving home in the rain having just come off a roundabout an un-insured new driver lost control coming the other way and smashed into my car doing about 40.
Where do I stand with insurance.. how do I claim?? will I have to go to court to get the money from him?
driver got nicked for no insurance and careless driving!
WHAT A ****
Posted: Sun Jun 21, 2009 1:27 am
by Ben
as I said rob, unfortunately you insurance will now be liable !!.. F**kin pisser
Posted: Sun Jun 21, 2009 6:06 am
by AdrianP
Sorry to hear this Rob. :x
You will need to contace the M.I.B. (no... not the 'Men In Black'
)
http://www.mib.org.uk
They are funded by the insurance industry and help in these situations.
It might take a while but hopefully they will be able to get things sorted for you.
There's loads of info on the site and well worth a read even for those of us lucky enough not to need their services at the moment.
Hope you get things sorted soon.
Ady.
Posted: Sun Jun 21, 2009 6:29 am
by Gerry H
They ought to crush his car...........
with him in it of course. Bast@rd!!!!! :x
Posted: Sun Jun 21, 2009 7:51 am
by RX7
Shieet Rob thats awful mate, really sorry to hear. Sadly it will be your insurance that has to cough up.
Things like this that make me so angry !!!
Posted: Sun Jun 21, 2009 7:53 am
by Rob S
Most insurance premiums include amongst the crap you never need, protection againsy un-insured losses. If your fully comp, you might have this along with legal assistance.
Check with your policy AND company, you moght have access to help you're not aware of yet. You'd be very unlikely to have to go to court to get your money, as the fact he's been reported for the accident will go massively in your favour with any subsequent civil proceedings.
Good luck
Posted: Sun Jun 21, 2009 8:03 am
by Stuart
Guys, guys
There are three insurance companies in the UK that have a gentleman's agreement with uninsured drivers, Aviva and a couple of others. In these firms cases as long as you have the drivers registration number and his or her details, the accident will be treated as non-fault, and you won't lose your no claims or excess.
Whoever you are with your legal expenses, assuming you didn't delete this option, and as Ady says you can claim through the MIB. I did this a few years ago and it wasn't too bad. You will still lose your NCD and excess in this instance from my experience.
Very sorry to hear about your woes. If I can be of any help, let me know Rob
Posted: Sun Jun 21, 2009 9:38 am
by Ben
Now get the pics up !!
Posted: Sun Jun 21, 2009 9:53 am
by Evo
I dont know what the score is with posting the pics for claim reasons at the moment I'm not going to.
Come see me monday ben at work, and ill show you them
Posted: Sun Jun 21, 2009 10:19 am
by Ben
Still can't believe it bud - why did it have to be the beemer !! .. you don't have too much luck with you nice cars
)