Uninsured driver hit car...

January

On Friday night a robbed car hit my mothers car in the front garden of our house. Didn't do much damage to the car, but cracked the bumper and messed up the parking sensors (not that that's a major problem, but they keep beeping at random moments now!).

My mam is with Allianz through the AA and up until recently I worked for them, and had the claims line number on my desk! But, I don't have it anymore and my mam wants to get this sorted quickly as she is driving to England on Friday with the car!

Does anyone have the claims line number for either the AA or Allianz that we could ring in the morning to get this sorted??

Thanks in advance!

B00MSTICK

Allianz: 1800 77 99 99 (I think)

Eoin

Did you try their website?

http://www.allianz.ie/Contact_Us/

Hooch

O/P try the motor insurance bureau of Ireland. they are there to help with compensating for uninsured drivers. No need to claim from your insurance and put up your premium.

http://www.mibi.ie/

Not bad to deal with. Have a look around. I come across it alot in my job. You'll get most of the price of the damage.

Tipsy Mac

I think the robbed cars insurance is liable so check this out before claiming on your own policy.

Hooch

Tipsy Mac wrote: »

I think the robbed cars insurance is liable so check this out before claiming on your own policy.

A "robbed" car has no insurance......insurance is issued to a driver not a car.

L1011

Tipsy Mac wrote: »

I think the robbed cars insurance is liable so check this out before claiming on your own policy.

I'm not sure if you can claim on the stolen cars insurance in all circumstances - but if you can't, you can claim against MIBI. There's a 220 euro excess, however.

phill106

If car was stolen, unless there was exceptional circumstances (like perhaps leaving keys in car with engine running and unattended when it was robbed) I can see no way the stolen cars owner would be liable for the insurance. Thats what the uninsured driver thing mentioned earlier is for.

L1011

phill106 wrote: »

If car was stolen, unless there was exceptional circumstances (like perhaps leaving keys in car with engine running and unattended when it was robbed) I can see no way the stolen cars owner would be liable for the insurance. Thats what the uninsured driver thing mentioned earlier is for.

From memory MIBI went after someone who DID leave a car with the engine running which was then involved in a personal injury claim a few minutes later. And lost.

edit: http://www.ipsofactoj.com/international/2004/Part02/int2004(2)-014.htm

Del2005

nice guy always wrote: »

O/P try the motor insurance bureau of Ireland. they are there to help with compensating for uninsured drivers. No need to claim from your insurance and put up your premium.

http://www.mibi.ie/

Not bad to deal with. Have a look around. I come across it alot in my job. You'll get most of the price of the damage.

That takes a while to pay out. May be quicker to pay for repairs yourself/insurance and then claim off the MIBI for the money back

Tipsy Mac wrote: »

I think the robbed cars insurance is liable so check this out before claiming on your own policy.

Sweey Jesus no:eek:... If you've taken resonable care to secure your car you can't be held liable for what happens when some scumbag steals it.

January

Basically guys, the car was robbed from outside a neighbours house, the owner of the car was delivering a pizza and left the car running while he was in the garden (stupid idea around my mothers area... but how and ever...).

So I don't think the owners insurance will cover it. But I've already told my mum about the MIBI, but as she is going away she kind of wants to get this sorted quickly... MIBI can take ages to sort out a claim from experience.

Thanks, I'll try those numbers and the website!

Vertakill

Regardless of the situation, if the other car was uninsured, your mother will be covered.

Contact the claims department of your mother's insurance and explain the situation and how the other party is uninsured. Once all the information has been gathered and the situation (that it's an uninsured driver) has been verified, your insurance company will submit everything to the MIBI (Motor Insurance Bureau of Ireland) who will then deal with it.

The MIBI delegate the claim to another insurance company (Hibernian, Quinn etc etc) who will then do the assessing and so on and come to a monetary figure of how much you should be owed. Usually they're quite good with this because the money being given to you is not out of their pocket as it's out of a kitty which is specifically designed for this sort of incident.

There seems to be this misconception (which I bought into at one point myself) that when you're hit by someone uninsured, you're screwed.

What I'd do, if I were you, is get the reference number from your mothers insurance company that they're given by the MIBI so that you can ring up the MIBI and see how the claim is progressing. The MIBI will give you another reference number, no doubt, so you can ring the other insurance company that'll be handling the claim.

Vertakill

MYOB wrote: »

From memory MIBI went after someone who DID leave a car with the engine running which was then involved in a personal injury claim a few minutes later. And lost.

edit: http://www.ipsofactoj.com/international/2004/Part02/int2004(2)-014.htm

I can see why they would. Real stupidity to leave the car running when you're not in close proximity.
Either way, the OP's mother should be covered without any issue. The pizza guy will no doubt have to do a lot of explaining when all the dust has settled.

Jumpy

Do you have the details of the car that caused the damage? I dont think MIBI will do anything without it. Also I think if you have fully comp insurance, MIBI will request you go via your insurer.

L1011

Vertakill wrote: »

I can see why they would. Real stupidity to leave the car running when you're not in close proximity.
Either way, the OP's mother should be covered without any issue. The pizza guy will no doubt have to do a lot of explaining when all the dust has settled.

Especially as I'd assume he was insured for social, domestic and pleasure not business!

Vertakill

Jumpy wrote: »

Do you have the details of the car that caused the damage? I dont think MIBI will do anything without it. Also I think if you have fully comp insurance, MIBI will request you go via your insurer.

Not true. This is one of the main things the MIBI deal with it. Of course, it obviously depends on the OP having the details of the other car for it to go smoothly. I'm sure the police have them by now if the OP doesn't. How many pizza delivery cars could've been stolen that night?

http://www.mibi.ie/uninsured-unidentifi.html

I'd make the claim with my own insurance company first, so that they're aware of what's going on.
Then your insurance company will contact the MIBI and get the process started.
I wouldn't, personally, make the claim with the MIBI directly. You're paying your insurance company good money to deal with this sort of thing so you don't have to!

MYOB wrote: »

Especially as I'd assume he was insured for social, domestic and pleasure not business!

Yeah lol, never even thought of that.
I wonder just exactly how many pizza delivery guys are actually insured for business?

Jumpy

Vertakill wrote: »

Not true. This is one of the main things the MIBI deal with it. Of course, it obviously depends on the OP having the details of the other car for it to go smoothly. I'm sure the police have them by now if the OP doesn't. How many pizza delivery cars could've been stolen that night?

Well considering they told me that themselves when an uninsured driver hit me 6 years ago. Things may have changed, but they specifically said "if you do not have the details of the car then we cannot help you"

L1011

Jumpy wrote: »

Well considering they told me that themselves when an uninsured driver hit me 6 years ago. Things may have changed, but they specifically said "if you do not have the details of the car then we cannot help you"

If its a pure hit and run, e.g. the car is untraced, you can only claim for injuries. Been there, done that.

Jumpy

MYOB wrote: »

If its a pure hit and run, e.g. the car is untraced, you can only claim for injuries. Been there, done that.

Sorry to hear. There were no injuries at mine, and the other guy was traceable. Just repeating what they told me, but wasnt actually affected by it. They did make me go via my insurance company though, apparently insurance companies can handle it for you via the MIBI if you have fully comp.

Gary ITR

nice guy always wrote: »

A "robbed" car has no insurance......insurance is issued to a driver not a car.

Isn't that only the case if the car has been reported stolen before the accident?

Happened me, I was rear ended by a stolen car and because the car wasn't reported stolen my company claimed from the owners insurance. As far as I know that's what happened. It was a company car so I had pretty much no involvement bar filling in the accident report form

Hooch

Onkle wrote: »

Isn't that only the case if the car has been reported stolen before the accident?

Happened me, I was rear ended by a stolen car and because the car wasn't reported stolen my company claimed from the owners insurance. As far as I know that's what happened. It was a company car so I had pretty much no involvement bar filling in the accident report form

No impossible. Again the insurance is for the driver not the vehicle. Now thats for the issue of not reporting a stolen vehicle.....

In regards to not locking you car etc. It is an offence to A. leave your car unlocked and running and B. its an offence to leave the keys in the ignition unattended. So going by that im sure one insurance company could claim off second company if the stolen car was taken by any of the two means above....

If your car was stolen at 12am and you didnt report it until 7am we'll say, as you were asleep.....would it be fair that if the stolen car was in a collision you as the owner and insured would be liable?? No offence intended, but a lot of legislation is common since.....other parts are then clean mad

Gary ITR

nice guy always wrote: »

No impossible. Again the insurance is for the driver not the vehicle. Now thats for the issue of not reporting a stolen vehicle.....

In regards to not locking you car etc. It is an offence to A. leave your car unlocked and running and B. its an offence to leave the keys in the ignition unattended. So going by that im sure one insurance company could claim off second company if the stolen car was taken by any of the two means above....

If your car was stolen at 12am and you didnt report it until 7am we'll say, as you were asleep.....would it be fair that if the stolen car was in a collision you as the owner and insured would be liable?? No offence intended, but a lot of legislation is common since.....other parts are then clean mad

Thanks for clearing that up. I'm just trying to think back to my own situation and what you're saying makes sense. The car that had hit me had been stolen two days previous and the lady that owned the car decided it wasn't worth reporting because it was only an old shed of a fiesta.

Still I'm not sure of the outcome as it was all done through my Company

Hooch

Onkle wrote: »

Thanks for clearing that up. I'm just trying to think back to my own situation and what you're saying makes sense. The car that had hit me had been stolen two days previous and the lady that owned the car decided it wasn't worth reporting because it was only an old shed of a fiesta.

Still I'm not sure of the outcome as it was all done through my Company

That makes sense so. Neglience to report the theft to the insurance company or Gardaí ment her insurance had to fork out. But tbh im only guessing on that!!

kravmaga

adrieanne__x wrote: »

Basically guys, the car was robbed from outside a neighbours house, the owner of the car was delivering a pizza and left the car running while he was in the garden (stupid idea around my mothers area... but how and ever...).

So I don't think the owners insurance will cover it. But I've already told my mum about the MIBI, but as she is going away she kind of wants to get this sorted quickly... MIBI can take ages to sort out a claim from experience.

Thanks, I'll try those numbers and the website!

Your mother will not get it sorted before she goes to the UK.
Your right the MIBI can take 12 months or more.

Its just bad luck.........no easy quick fix

Profiler

nice guy always wrote: »

A "robbed" car has no insurance......insurance is issued to a driver not a car.

Not 100% true.

If the driver of the stolen car is identified then the claim is made against the stolen car's policy.

The claim is dealt with as "insurer concerned" basically the claim will not affect the stolen car owner's no claims bonus.

The MIB is paid for by all the Insurance Companies in Ireland. The way it used to work was if, say for example, Allianz had 10% of all the motor polices issued in Ireland in the year 2009 then they would pay for 10% of all the MIB claims.

nugesaurus

If you're looking for a fast and efficient insurance company in terms of claims..

Can only recommend 123

biko

Not sure how you found this thread but it is from 2009 so you're a bit late