Sodding drink drivers!
Discussion
Can't believe this has happened...
Last night some drunken t**t managed to bounce off and scrape down a total of five parked cars on my street, including my Chimaera which now has a gouge running all the way from the rear quarter, along the door and onto the front quarter. Police called and amazingly manage to catch the alleged offender who's stopped around the corner having crashed into a lamp post, I believe. Breathalysed and way over the limit, but surprise surprise he's already serving a DD disqualification. Therefore not insured.
Rang my insurance company (Privilege) and the call centre woman is about as unhelpful as is humanly possible (even asked if I accepted liability!). Any one on here have any idea on the implications for my NCB, whether the insurance can recover money from some other fund, etc. ?
Have also found out that my courtesy car will be something like a 2 litre Mondeo / Passat. Don't have anything against these cars per se, but hardly in the same league as a TVR performance wise. Is it worth / feasible suing this guy including cost of hiring a courtesy sports car?
All information and suggestions gratefully received.
Son
Last night some drunken t**t managed to bounce off and scrape down a total of five parked cars on my street, including my Chimaera which now has a gouge running all the way from the rear quarter, along the door and onto the front quarter. Police called and amazingly manage to catch the alleged offender who's stopped around the corner having crashed into a lamp post, I believe. Breathalysed and way over the limit, but surprise surprise he's already serving a DD disqualification. Therefore not insured.
Rang my insurance company (Privilege) and the call centre woman is about as unhelpful as is humanly possible (even asked if I accepted liability!). Any one on here have any idea on the implications for my NCB, whether the insurance can recover money from some other fund, etc. ?
Have also found out that my courtesy car will be something like a 2 litre Mondeo / Passat. Don't have anything against these cars per se, but hardly in the same league as a TVR performance wise. Is it worth / feasible suing this guy including cost of hiring a courtesy sports car?
All information and suggestions gratefully received.
Son
I was hit a few years ago by an uninsured driver and claimed from the Motor Insurance Bureau (MIB I think) it is a fund which is set up by insurance companies to cover claims against uninsured drivers.
You claim from the Bureau and they try and claim from the uninsured driver. I went to a Solicitor in Liverpool - Paul Rooney who settled this for me, as it probably doesn't matter which solicitor handles the claim, it may be worth giving them a call, it didn't affect my no claims bonus, as it was effecively a non-fault accident. It didn't cost me anything from my claim either, as they claim their costs from the bureau too.
Good luck and hope you get fixed up soon.
I'd be tempted to have another chat with Privilege - we were rear-ended by a drunk fool a couple of years ago, and wifey had an accident involving a runaway wheel complete with tyre from an unroadworthy vehicle on the other side of a dual-carriageway. In both instances the others involved were uninsured, and Privileges support was impeccable, enough to almost make me feel happier with all the money they've had off us in the last decade! Courtesy cars, cars repaired by whom we wanted and when we wanted, and both claims passed over to the aforementioned Motor Insurance Bureau who whilst being less efficient did with due process exact claims for damages from the other parties, pursuing both criminal and civil cases on our behalf.
Hi there
I'd fight it as much as possible, don't accept liability.
Depending on the amount of bonus you have whether it's protected, it may well affect your premium!If it's protected bonus they may allow you one fault claim (whether it's yours or not!), if it not protected you could well loose up to 20% at next renewal..
Another option is if you're a member of the RAC, they have a legal dept who will help you out. My partner got side swiped by a spanish lorry driver a few years on the motorway, and dealt with everything for him as he only had Third Party Fire and Theft at the time.
Good luck with it
I'd fight it as much as possible, don't accept liability.
Depending on the amount of bonus you have whether it's protected, it may well affect your premium!If it's protected bonus they may allow you one fault claim (whether it's yours or not!), if it not protected you could well loose up to 20% at next renewal..
Another option is if you're a member of the RAC, they have a legal dept who will help you out. My partner got side swiped by a spanish lorry driver a few years on the motorway, and dealt with everything for him as he only had Third Party Fire and Theft at the time.
Good luck with it
The MIB will pay up.
As said, give "Anniesdad" a call
www.europaconsultants.co.uk/ (Steve in contacts)
As said, give "Anniesdad" a call
www.europaconsultants.co.uk/ (Steve in contacts)
Just make sure you keep chasing whoever is sorting it out. I got driven into in a car park a few years ago while I was in a shop and the driver sped off, luckily he was insured and there was a witness but it took a year before my car was fixed!
As far as I know though if you have legal cover on your insurance (I didn't at the time) they pretty much sort it all out for you
The MIB will only pay if you do not have comprehensive cover. If you do, then you must claim against your insurers who will then recover their outlay from the alleged drunken driver - if he has any money. Of course if you do not have a protected no claims bonus, you will lose your bonus.
RedTuscan said:
The MIB will only pay if you do not have comprehensive cover. If you do, then you must claim against your insurers who will then recover their outlay from the alleged drunken driver - if he has any money. Of course if you do not have a protected no claims bonus, you will lose your bonus.
Thats sounds about right damned if you do, damned if you don't, you spend your life doing the right thing while all the scum get away with everything and we all pay for it and invariably them..
excuse the rant but stories like this really get my back up
hope you get it sorted and don't loose out to much
kslett said:
Have also found out that my courtesy car will be something like a 2 litre Mondeo / Passat. Don't have anything against these cars per se, but hardly in the same league as a TVR performance wise. Is it worth / feasible suing this guy including cost of hiring a courtesy sports car?
I'm told there is some sort of equivalence ruling for courtesy cars in insurance claims. A friend of mine managed to have a Tuscan and Maserati on this basis while his TVR was being repaired. Obviously, if the claim is going down on your insurance, you'll be wanting a £70-£90 Mondeo or Passat though. I had a £90 per day Passat when my Golf was written off earlier in the year, but wasn't complaining as the Mk2 Golf was worth less than a grand
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