Hit by an uninsured driver...what are my options?

Liverpool-Lad · 4 Nov 2008 at 21:58

Great, looks like the driver who hit me on friday after falling asleep in the fast lane and clobbering me in the middle lane may not be insured. Any clues as to what to do from here or any other folks' experiences?

Cheers.

Sparky · 4 Nov 2008 at 22:01

Contact your insurer who will have information for you ref: Uninsured loss bureau.

Thats what happened when i had a similar incedent.

Kitchster_uk · 4 Nov 2008 at 22:33

Liverpool-Lad said:
Great, looks like the driver who hit me on friday after falling asleep in the fast lane and clobbering me in the middle lane may not be insured. Any clues as to what to do from here or any other folks' experiences?

Cheers.

Depends on whether the driver was totally uninsured or driving a car that was insured but just not for him to drive. In the case of the latter, the insurance can pay out for your damage.

Liverpool-Lad · 4 Nov 2008 at 22:38

The car is insured by his dad who is the owner. However he was driving it under the pretence he was covered as he has a policy on his own, different car. The insurance co are saying he isnt covered as his policy isnt updated or something to show he is over 25. I digress.

So I can still claim from the insurer, i.e. his?

gillywibble · 4 Nov 2008 at 23:01

You can still claim from the insurer.

If the driver is not covered then the insurer still has to deal under the terms of the Road Traffic Act 1988.

Essentially, they are obliged to settle an unsatisfied judgment. In reality however, they are more likely to obtain the driver's consent to deal in order to avoid the expense of litigation.

Either way, your claim will be resolved.

Kitchster_uk · 4 Nov 2008 at 23:15

Liverpool-Lad said:
The car is insured by his dad who is the owner. However he was driving it under the pretence he was covered as he has a policy on his own, different car. The insurance co are saying he isnt covered as his policy isnt updated or something to show he is over 25. I digress.

So I can still claim from the insurer, i.e. his?

Yup, you can claim. Happened to a mate 18 months back. He got a replacement car through helphire as well, it was amazing how much quicker the 3rd party insurer acted when it became obvious they'd be paying out EVERY DAY they didn't settle.

Liverpool-Lad · 4 Nov 2008 at 23:32

Thanks for the advice chaps. I logged it with helphire via my insurance co but wasnt sure if I was still ok to get mine fixed.