Been hit at a junction from behind?

CaNsA · 13 Mar 2013 at 22:07

fadetoblack said:
I've got a rental car provided by my insurance company
...
free car hire

Are you sure that you personally wont be liable for the cost if the claim rules in her favour?
Check with your insurer.

fadetoblack · 14 Mar 2013 at 09:52

Just found by the police the cars insured but she's not insured for that car?

What happens now?

phil675 · 14 Mar 2013 at 09:57

Sounds dicey.

peterwalkley · 14 Mar 2013 at 09:57

fadetoblack said:
Just found by the police the cars insured but she's not insured for that car?

What happens now?

She's even more Fully star it out as the police are involved now

Certainly explains why she was trying to con you into not going via insurance. I'd hope she's prosecuted.

If I remember correctly your insurer will go via the MIB instead. Its all paperwork for them, but you shouldn't lose out.

MooMoo444 · 14 Mar 2013 at 10:06

Interested in how this one turns out. Her not being insured might mean you end up out of pocket though, sadly.

atpbx · 14 Mar 2013 at 10:32

No he will get his car fixed, and wont lose his no claims, she will be prosecuted for driving without insurance and end up with £200 and 6 points, if she goes to court that could turn into £5k and a ban.

Good news then.

MooMoo444 · 14 Mar 2013 at 10:41

atpbx said:
No he will get his car fixed, and wont lose his no claims, she will be prosecuted for driving without insurance and end up with £200 and 6 points, if she goes to court that could turn into £5k and a ban.

Good news then.

Ah, good news indeed then. Who pays for the repair in this scenario?

ZG002 · 14 Mar 2013 at 10:48

It's a government fund I think.

LeMson · 14 Mar 2013 at 11:30

All of us then

fadetoblack · 14 Mar 2013 at 11:46

Thanks lads for the info

MooMoo444 · 14 Mar 2013 at 11:52

Obligatory pic of mangled back end?

hurfdurf · 14 Mar 2013 at 15:07

Rybo89 said:
Really? I would be half tempted to bitch slap her if she went into the back of me and then said that to me.

Indeed, I think I would have gone a bit mental.

IAmATeaf · 14 Mar 2013 at 17:46

atpbx said:
No he will get his car fixed, and wont lose his no claims, she will be prosecuted for driving without insurance and end up with £200 and 6 points, if she goes to court that could turn into £5k and a ban.

Good news then.

I never knew about the first bit, does the same apply if you are hit and run where the driver was never traced and the car was registered to a wrong address?

lordrobs · 14 Mar 2013 at 17:59

I know it seems overkill and it will probably never come into use but this is why I love having an in car camera. "I'll contest it, there were no witnesses" "Oh really.... smile of the camera

"

That said I'm pretty sure you'll have no worries at all in this case.

fadetoblack · 14 Mar 2013 at 18:44

The car insurer has admitted fault....RESULT
There paying my hire car..... RESULT

My neck hurts ;-)

JOKING!

Thanks for all the useful information :-)

ChrisD. · 14 Mar 2013 at 18:46

Glad it's been sorted, and sorted so quickly.

muon · 14 Mar 2013 at 18:52

nvm, DOC, my bad.

atpbx · 14 Mar 2013 at 19:03

IAmATeaf said:
I never knew about the first bit, does the same apply if you are hit and run where the driver was never traced and the car was registered to a wrong address?

I don't know if I'm honest, someone else probably knows more about it.

RedMogg · 14 Mar 2013 at 19:18

You will on occasion have to push your insurer to use the MIB - DirectLine advertise it as an extra reason to sign up with them, but most insurers have access to it - it just depends how much you push whether they will use it...

Dogbreath · 15 Mar 2013 at 09:09

peterwalkley said:
If I remember correctly your insurer will go via the MIB instead.

The MIB is only involved where there is no insurance policy in place for the car. Since there is, the insurance company will have to pay out for third party damages, even though the driver at the time of the accident was not covered by the policy.