Insurance Claim - Third party done a runner
Discussion
My parents were involved in a nasty collision today.
They were driving on a National Speed limit road approaching a traffic light junction showing green. Waiting for a right filter light, was a large motorhome. As they came level with the front of the motorhone a VW tourag appeared in front of them, which they effectively t-boned at some speed.
Both cars are a mess. My Parents' C Class merc has done it's duty and died in service. My parents are both suffering from shock and are pretty sore from the collision and airbags.
The two large Irish gentlemen who got out of the car proceeded to blame my dad for going through a red light 'you could have killed us' etc. Fortunately, there are plenty of witnesses who saw the incident and the Police have already concluded that my dad did nothing wrong and this is 100% on the Tourag at least turning in front of oncoming traffic, if not going through a red light as well. I'm pretty angry that after causing a crash they then decided to bully my 72-year-old father while he was trying to look after my mum.
As time went on and the Police got closer, they were last seen walking down a track with a generator each. The Police had a look, but could not find them.
The car was not taxed but was insured. The Police suspect that neither bloke could have been insured to drive the vehicle (I'm guessing that the named drivers are perhaps female).
So my question? This seems not so straightforward as the vehicle is insured, but the drivers have done a runner. What is the insurance situation here? Does the Tourag insurance company have liability or can they walk away?
They were driving on a National Speed limit road approaching a traffic light junction showing green. Waiting for a right filter light, was a large motorhome. As they came level with the front of the motorhone a VW tourag appeared in front of them, which they effectively t-boned at some speed.
Both cars are a mess. My Parents' C Class merc has done it's duty and died in service. My parents are both suffering from shock and are pretty sore from the collision and airbags.
The two large Irish gentlemen who got out of the car proceeded to blame my dad for going through a red light 'you could have killed us' etc. Fortunately, there are plenty of witnesses who saw the incident and the Police have already concluded that my dad did nothing wrong and this is 100% on the Tourag at least turning in front of oncoming traffic, if not going through a red light as well. I'm pretty angry that after causing a crash they then decided to bully my 72-year-old father while he was trying to look after my mum.
As time went on and the Police got closer, they were last seen walking down a track with a generator each. The Police had a look, but could not find them.
The car was not taxed but was insured. The Police suspect that neither bloke could have been insured to drive the vehicle (I'm guessing that the named drivers are perhaps female).
So my question? This seems not so straightforward as the vehicle is insured, but the drivers have done a runner. What is the insurance situation here? Does the Tourag insurance company have liability or can they walk away?
They can’t just walk away, that said, wouldn’t surprise me to hear it was “just reported stolen” or suchlike.
I’d just give them a call and see what they say, they can’t just wash their hands of it, they at least need to try and contact their insured party to see what the score is.
Hope your parents recover quickly, sounds nasty.
I’d just give them a call and see what they say, they can’t just wash their hands of it, they at least need to try and contact their insured party to see what the score is.
Hope your parents recover quickly, sounds nasty.
surveyor said:
My parents were involved in a nasty collision today.
They were driving on a National Speed limit road approaching a traffic light junction showing green. Waiting for a right filter light, was a large motorhome. As they came level with the front of the motorhone a VW tourag appeared in front of them, which they effectively t-boned at some speed.
Both cars are a mess. My Parents' C Class merc has done it's duty and died in service. My parents are both suffering from shock and are pretty sore from the collision and airbags.
The two large Irish gentlemen who got out of the car proceeded to blame my dad for going through a red light 'you could have killed us' etc. Fortunately, there are plenty of witnesses who saw the incident and the Police have already concluded that my dad did nothing wrong and this is 100% on the Tourag at least turning in front of oncoming traffic, if not going through a red light as well. I'm pretty angry that after causing a crash they then decided to bully my 72-year-old father while he was trying to look after my mum.
As time went on and the Police got closer, they were last seen walking down a track with a generator each. The Police had a look, but could not find them.
The car was not taxed but was insured. The Police suspect that neither bloke could have been insured to drive the vehicle (I'm guessing that the named drivers are perhaps female).
So my question? This seems not so straightforward as the vehicle is insured, but the drivers have done a runner. What is the insurance situation here? Does the Tourag insurance company have liability or can they walk away?
Sorry but I'm finding it difficult to believe this story going by some of you previous posting history, but in case I'm wrong, no, the driver doing a runner won't absolve the ins co of their responsibilities They were driving on a National Speed limit road approaching a traffic light junction showing green. Waiting for a right filter light, was a large motorhome. As they came level with the front of the motorhone a VW tourag appeared in front of them, which they effectively t-boned at some speed.
Both cars are a mess. My Parents' C Class merc has done it's duty and died in service. My parents are both suffering from shock and are pretty sore from the collision and airbags.
The two large Irish gentlemen who got out of the car proceeded to blame my dad for going through a red light 'you could have killed us' etc. Fortunately, there are plenty of witnesses who saw the incident and the Police have already concluded that my dad did nothing wrong and this is 100% on the Tourag at least turning in front of oncoming traffic, if not going through a red light as well. I'm pretty angry that after causing a crash they then decided to bully my 72-year-old father while he was trying to look after my mum.
As time went on and the Police got closer, they were last seen walking down a track with a generator each. The Police had a look, but could not find them.
The car was not taxed but was insured. The Police suspect that neither bloke could have been insured to drive the vehicle (I'm guessing that the named drivers are perhaps female).
So my question? This seems not so straightforward as the vehicle is insured, but the drivers have done a runner. What is the insurance situation here? Does the Tourag insurance company have liability or can they walk away?
martinbiz said:
surveyor said:
My parents were involved in a nasty collision today.
They were driving on a National Speed limit road approaching a traffic light junction showing green. Waiting for a right filter light, was a large motorhome. As they came level with the front of the motorhone a VW tourag appeared in front of them, which they effectively t-boned at some speed.
Both cars are a mess. My Parents' C Class merc has done it's duty and died in service. My parents are both suffering from shock and are pretty sore from the collision and airbags.
The two large Irish gentlemen who got out of the car proceeded to blame my dad for going through a red light 'you could have killed us' etc. Fortunately, there are plenty of witnesses who saw the incident and the Police have already concluded that my dad did nothing wrong and this is 100% on the Tourag at least turning in front of oncoming traffic, if not going through a red light as well. I'm pretty angry that after causing a crash they then decided to bully my 72-year-old father while he was trying to look after my mum.
As time went on and the Police got closer, they were last seen walking down a track with a generator each. The Police had a look, but could not find them.
The car was not taxed but was insured. The Police suspect that neither bloke could have been insured to drive the vehicle (I'm guessing that the named drivers are perhaps female).
So my question? This seems not so straightforward as the vehicle is insured, but the drivers have done a runner. What is the insurance situation here? Does the Tourag insurance company have liability or can they walk away?
Sorry but I'm finding it difficult to believe this story going by some of you previous posting history, but in case I'm wrong, no, the driver doing a runner won't absolve the ins co of their responsibilities They were driving on a National Speed limit road approaching a traffic light junction showing green. Waiting for a right filter light, was a large motorhome. As they came level with the front of the motorhone a VW tourag appeared in front of them, which they effectively t-boned at some speed.
Both cars are a mess. My Parents' C Class merc has done it's duty and died in service. My parents are both suffering from shock and are pretty sore from the collision and airbags.
The two large Irish gentlemen who got out of the car proceeded to blame my dad for going through a red light 'you could have killed us' etc. Fortunately, there are plenty of witnesses who saw the incident and the Police have already concluded that my dad did nothing wrong and this is 100% on the Tourag at least turning in front of oncoming traffic, if not going through a red light as well. I'm pretty angry that after causing a crash they then decided to bully my 72-year-old father while he was trying to look after my mum.
As time went on and the Police got closer, they were last seen walking down a track with a generator each. The Police had a look, but could not find them.
The car was not taxed but was insured. The Police suspect that neither bloke could have been insured to drive the vehicle (I'm guessing that the named drivers are perhaps female).
So my question? This seems not so straightforward as the vehicle is insured, but the drivers have done a runner. What is the insurance situation here? Does the Tourag insurance company have liability or can they walk away?
OP as above regarding insurance.
martinbiz said:
Sorry but I'm finding it difficult to believe this story going by some of you previous posting history, but in case I'm wrong, no, the driver doing a runner won't absolve the ins co of their responsibilities
Well I’d say the OP’s account of Marrakech was spot on, the allusion to suffering uncontrollable diarrhoea tallies precisely with my experience of the godforsaken placemartinbiz said:
Sorry but I'm finding it difficult to believe this story going by some of you previous posting history, but in case I'm wrong, no, the driver doing a runner won't absolve the ins co of their responsibilities
If the drivers are not covered by the insurance, then AIUI, the 'uninsured drivers fund' or something pays out for at least injuries? This is funded by everybody's insurance?The Op's parents' car will presumably be insured fully comp, they will claim from that and their insurance co may or may not pursue other insurance companies.
The keeper of the errant car will presumably have some questions to answer, if it was not 'taken without their consent'
If the driver who left the scene is identified, I'd expect charges to be brought.
OutInTheShed said:
If the drivers are not covered by the insurance, then AIUI, the 'uninsured drivers fund' or something pays out for at least injuries? This is funded by everybody's insurance?
The Op's parents' car will presumably be insured fully comp, they will claim from that and their insurance co may or may not pursue other insurance companies.
The keeper of the errant car will presumably have some questions to answer, if it was not 'taken without their consent'
If the driver who left the scene is identified, I'd expect charges to be brought.
I think normally they would have been happy to deal with the third-party company directly, but given the way this played out I'm pretty sure that it will have to go via their own insurer.The Op's parents' car will presumably be insured fully comp, they will claim from that and their insurance co may or may not pursue other insurance companies.
The keeper of the errant car will presumably have some questions to answer, if it was not 'taken without their consent'
If the driver who left the scene is identified, I'd expect charges to be brought.
martinbiz said:
Sorry but I'm finding it difficult to believe this story going by some of you previous posting history, but in case I'm wrong, no, the driver doing a runner won't absolve the ins co of their responsibilities
Is it really necessary to accuse the OP of dishonesty? Is it an attempt to make you look cleverer than everyone else, or are you just odd?eldar said:
martinbiz said:
Sorry but I'm finding it difficult to believe this story going by some of you previous posting history, but in case I'm wrong, no, the driver doing a runner won't absolve the ins co of their responsibilities
Is it really necessary to accuse the OP of dishonesty? Is it an attempt to make you look cleverer than everyone else, or are you just odd?Mr Spoon said:
eldar said:
martinbiz said:
Sorry but I'm finding it difficult to believe this story going by some of you previous posting history, but in case I'm wrong, no, the driver doing a runner won't absolve the ins co of their responsibilities
Is it really necessary to accuse the OP of dishonesty? Is it an attempt to make you look cleverer than everyone else, or are you just odd?eldar said:
martinbiz said:
Sorry but I'm finding it difficult to believe this story going by some of you previous posting history, but in case I'm wrong, no, the driver doing a runner won't absolve the ins co of their responsibilities
Is it really necessary to accuse the OP of dishonesty? Is it an attempt to make you look cleverer than everyone else, or are you just odd?SmoothCriminal said:
I thought that if the driver is identified then you can claim off the insurance Co but if not then you have to claim off the mib using the untraced driver scheme
This is correct, if indeed the vehicle was stolen. Thieves identified, the vehicle's insurers are liable. Thieves not identified, claim off the MIB.If it is a claim off the MIB, you can only claim for injuries, assuming OP's parents have comp cover. The MIB covers damages /injuries you've suffered that aren't covered by insurance. The parents' comp policy will cover their car.
TwigtheWonderkid said:
SmoothCriminal said:
I thought that if the driver is identified then you can claim off the insurance Co but if not then you have to claim off the mib using the untraced driver scheme
This is correct, if indeed the vehicle was stolen. Thieves identified, the vehicle's insurers are liable. Thieves not identified, claim off the MIB.If it is a claim off the MIB, you can only claim for injuries, assuming OP's parents have comp cover. The MIB covers damages /injuries you've suffered that aren't covered by insurance. The parents' comp policy will cover their car.
surveyor said:
It looks like I may have confused you with Surveyor 101 as someone has else has eluded to, apologiesEDIT: If you had seen some of the trolling drivel and concocted stories he has spouted in the past you would understand my initial comment.
That looks nasty, hope they are both recovering well
Edited by martinbiz on Sunday 8th May 20:52
Edited by martinbiz on Sunday 8th May 20:53
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