Hit by driver who left scene

boardsuser1

Looking for advice here, was struck by another vehicle on Christmas week.
vehicle left the scene after the collision.
Thankfully the damage is very minor, wheel only.
The gardai are after issuing me and the other driver with orders to produce insurance (I did)
I got the reg as they drove away.
Now they haven't produced their insurance and the 10 days is up,
Guard inspected my car to see the damage.
Issue I have now is I want to sell/trade the car in.
can I still do this or am I in limbo for someone else's stupidity???

T.I.A

RainyDay

KC161 wrote: »

Looking for advice here, was struck by another vehicle on Christmas week.
vehicle left the scene after the collision.
Thankfully the damage is very minor, wheel only.
The gardai are after issuing me and the other driver with orders to produce insurance (I did)
I got the reg as they drove away.
Now they haven't produced their insurance and the 10 days is up,
Guard inspected my car to see the damage.
Issue I have now is I want to sell/trade the car in.
can I still do this or am I in limbo for someone else's stupidity???

T.I.A

You're not in limbo at all. If you plan to claim off your own insurance, you need to make a claim and give them a chance to inspect. If you plan to claim off the other driver's insurance, check with the MIBI http://www.mibi.ie/making-a-claim.52.html

boardsuser1

RainyDay wrote: »

You're not in limbo at all. If you plan to claim off your own insurance, you need to make a claim and give them a chance to inspect. If you plan to claim off the other driver's insurance, check with the MIBI http://www.mibi.ie/making-a-claim.52.html

have no intentions of claiming off my own insurance. judging by them leaving the scene and not producing it is a possibility they were not insured.

would I need to have the car inspected by the M.I.B.I before selling?

car has been assessed by both a panel beater and a mechanic,have the reports,photos etc.

Just don't want to be stuck with the car unnecessarily.

I was told inform my own insurance company by the cops anyway, which I did.

I might just double check it with them before selling it.

First time something like hat has happened to me.

RainyDay

KC161 wrote: »

have no intentions of claiming off my own insurance. judging by them leaving the scene and not producing it is a possibility they were not insured.

would I need to have the car inspected by the M.I.B.I before selling?

You'll probably need to ask MIBI that question.

johndaman66

Is the ball in the Gardai's court here at the moment?


i.e. Seen as the other driver has not yet produced their insurance to them should they be taking action to ascertian if they have insurance or not, and passing on the insurance details to the OP if they have or letting OP know if they don't.

boardsuser1

johndaman66 wrote: »

Is the ball in the Gardai's court here at the moment?


i.e. Seen as the other driver has not yet produced their insurance to them should they be taking action to ascertian if they have insurance or not, and passing on the insurance details to the OP if they have or letting OP know if they don't.

The guard is throwing the other side enough rope to hang themselves with.

However due to the holidays etc he is giving them another few days.

The story is that he is waiting for them to produce their insurance so he can pass on the details to me.

As it stands he can't of course as he has nothing.

The driver of the other vehicle emerged from a minor road and drove into my offside rear when I was on the major road.

They initially stopped and got out but when I said hang on so I can call the cops they legged it.

If they do not produce the licence/insurance as was lawfully demanded I assume a prosecution will follow.

i'll contact my own insurance company again on Monday and tell them I need their advice as I am looking to sell the car and can't afford to hang onto it.

esforum

op tells his insurance company who contact the other company, if they have the reg they can track down his insurance company fast enough.

It wont effect your NCB either way, if you are fully comp your insurance will fix your car then claim the money back from him or the mibi

boardsuser1

esforum wrote: »

op tells his insurance company who contact the other company, if they have the reg they can track down his insurance company fast enough.

It wont effect your NCB either way, if you are fully comp your insurance will fix your car then claim the money back from him or the mibi

yeah I got the reg thank god!

My own insurance company did offer to fix my car but I declined saying i wanted the offending driver to get it sorted.

If I give my insurance company their reg they can tell if they are insured???

shietpilot

KC161 wrote: »

If I give my insurance compant their reg they can tell if they are insured???

It's worth a shot!

boardsuser1

shietpilot wrote: »

It's worth a shot!

they never asked for it nor did I think of it

johndaman66

esforum wrote: »

op tells his insurance company who contact the other company, if they have the reg they can track down his insurance company fast enough.

Really? I never knew this to be the case. not saying your incorrect, just that I never heard it to be the case before.

To Elland Back

If the OP goes through his own insurance, his insurers acquire the right to chase the other driver to recover the loss. Until they receive reimbursement for their outlay, it remains as a claim on the OP's record. It is a no claim bonus, not a no blame bonus.

If the OP does not want to claim on their own insurance in the 1st instance, his insurers have no right to get involved in pursuing the 3rd party, the OP has to do it on his own or with the aid of a solicitor. If the other driver is insured, it shouldn't be a problem. If he is not, it will be a slow road to get paid, but it will happen

goz83

So, the OP will have to pony up the cash, or put it through his own insurance and reimburse them when he either claims through the other insurer, or MIBI, which can take a long, long time. The car can be sold at any time. OP, if your based in Dublin, give GVD Autos a bell. You could get the car sorted for pennies rather than pounds, but they could be pretty busy due to the holiday period.

esforum

To Elland Back wrote: »

If the OP goes through his own insurance, his insurers acquire the right to chase the other driver to recover the loss. Until they receive reimbursement for their outlay, it remains as a claim on the OP's record. It is a no claim bonus, not a no blame bonus.

If the OP does not want to claim on their own insurance in the 1st instance, his insurers have no right to get involved in pursuing the 3rd party, the OP has to do it on his own or with the aid of a solicitor. If the other driver is insured, it shouldn't be a problem. If he is not, it will be a slow road to get paid, but it will happen

Not in Ireland, in the UK thats how it works however in Irelabd we all pay into an uninsured drivers scheme. the OP claims from his own policy but his insurance will claimn it back.

Its always how insurance claims work. You are always initiating a claim on your own policy pending compensation from the other party.

esforum

johndaman66 wrote: »

Really? I never knew this to be the case. not saying your incorrect, just that I never heard it to be the case before.

they all talk to each other, its not really an open market as they are all sharing databases and have defined agreements on who pays what when. They also in all reality have the market carved up into chunks they divide up. Theres no real competition

I was hit by an uninsured driver a few years ago, my car was fixed by my insurance, never cost me a penny and did not affect my ncb.

RainyDay

esforum wrote: »

Its always how insurance claims work. You are always initiating a claim on your own policy pending compensation from the other party.

I don't know much about MIBI claims, but this is absolutely NOT how insurance claims work. If someone damages your car, you have the choice of claiming off your own policy or claiming off theirs. If you claim off your own policy, your NCB is at risk, but the upside is that they manage the claim on your behalf. If you claim directly off the other party's insurance, it will not affect your NCB, but you have to manage the claim yourself.

mgbgt1978

esforum wrote: »

Its always how insurance claims work. You are always initiating a claim on your own policy pending compensation from the other party.

No it's not.
If you have only Third Party Cover how can you possibly claim for damage to your own car ?


This place gets worse every day..........

To Elland Back

esforum wrote: »

Not in Ireland, in the UK thats how it works however in Irelabd we all pay into an uninsured drivers scheme. the OP claims from his own policy but his insurance will claimn it back.

Its always how insurance claims work. You are always initiating a claim on your own policy pending compensation from the other party.

Right, I'm not going to get in to an argument on this. In Ireland, in order to claim for damage to property from the MIBI, you must establish the other driver was uninsured. It is different for injuries. If you cannot establish the other driver is uninsured, your own insurer cannot recover from the MIBI.

Otherwise, we would all be claiming 'uninsured' drivers hit our car when we ding off a bollard

mgbgt1978

Elland.
Don't you have to at least ascertain the reg number of the other vehicle before the MIBI will even entertain your claim ?

To Elland Back

mgbgt1978 wrote: »

Elland.
Don't you have to at least ascertain the reg number of the other vehicle before the MIBI will even entertain your claim ?

You must identify the other party. It's not sufficient to say 'a red corolla hit me and drove off' etc

If you have the reg number, the MIBI, through liaison with the Gardai, will assist you in tracing the other person. They also have contacts within every insurance company to see if the vehicle is insured with them. This all takes time. However, at the end of the day, you can confirm the vehicle was involved in the incident and was uninsured, the MIBI will pay out

Stheno

esforum wrote: »

they all talk to each other, its not really an open market as they are all sharing databases and have defined agreements on who pays what when. They also in all reality have the market carved up into chunks they divide up. Theres no real competition

Have you proof of this? Opens up all sorts of data protection issues.

Afaik, the only sharing that is done is access to the publicly owned penalty point database.

mgbgt1978

To Elland Back wrote: »

Otherwise, we would all be claiming 'uninsured' drivers hit our car when we ding off a bollard

To Elland Back wrote: »

You must identify the other party. It's not sufficient to say 'a red corolla hit me and drove off' etc

Genuinely not havin a pop at you Elland.....but, in other words, you must identify the the other car (or driver) before the MIBI will accept a claim ?
i.e. the Bollard comment wouldn't work out unless you could blame 'someone' ?

To Elland Back

Apologies (still on the festive spirit )

You must establish that the other party was uninsured for damage to your car or property. They need to be traced and uninsured. If they have cover, it is a standard 3rd party claim.

If it is for injuries, you just need to establish another party was involved and can't be traced. This can be debris at the scene and the like

johndaman66

esforum wrote: »

they all talk to each other, its not really an open market as they are all sharing databases and have defined agreements on who pays what when. They also in all reality have the market carved up into chunks they divide up. Theres no real competition

Stheno wrote: »

Have you proof of this? Opens up all sorts of data protection issues.

Afaik, the only sharing that is done is access to the publicly owned penalty point database.

I'd like to see some concrete proof of this also as as it stands I'm doubtful.

goz83

bubblypop wrote: »

I was hit by an uninsured driver a few years ago, my car was fixed by my insurance, never cost me a penny and did not affect my ncb.

However, you still must declare that you were involved in an accident. Insurers will ask if you made a claim, or been in an accident in the last three, five years, or if you've ever made a claim, or been in an accident. It depends on the broker/insurer though. Any answer in the positive may result in a hike in the quote you get and you won't even know it. Even when an accident is not your fault, they still class you as higher risk and will load your policy as such.

billyhead

My mother was in an accident over the christmas where she was driving straight on and a car pulled out of a space just behind her and bumped into her (damaging her front bumper and head light). The other driver is refusing to accept liability even though he was at fault. My mum forgot her mobile (understandable as she is old) and the driver of the other car and his passenger said they both had none with them (possible still intoxicated and this was his excuse) at the scene so the gardai did not arrive. My mum got your mans details and the next day reported it to the gardai. The other party is still not accepting liability (chancer) but my mum was advised by her insurance company to cliam through them (posting out a claim form tomorrow) for the repair of the damage and they would chase the other partys insurance for a refund. Will she lose her NCB or have her premium loaded as a result even though she was not at fault

To Elland Back

billyhead wrote: »

My mother was in an accident over the christmas where she was driving straight on and a car pulled out of a space just behind her and bumped into her (damaging her front bumper and head light). The other driver is refusing to accept liability even though he was at fault. My mum forgot her mobile (understandable as she is old) and the driver of the other car and his passenger said they both had none with them (possible still intoxicated and this was his excuse) at the scene so the gardai did not arrive. My mum got your mans details and the next day reported it to the gardai. The other party is still not accepting liability (chancer) but my mum was advised by her insurance company to cliam through them (posting out a claim form tomorrow) for the repair of the damage and they would chase the other partys insurance for a refund. Will she lose her NCB or have her premium loaded as a result even though she was not at fault

If your mother's insurers recover the amount they pay out from the 3rd party, it shouldn't affect her premium. If they don't recover, it will stick as a claim made and any increase in premium depends on the level of no claim bonus she has

ba_barabus

johndaman66 wrote: »

I'd like to see some concrete proof of this also as as it stands I'm doubtful.

I've done it before. Don't forget the underwriter can be covering a whole host of insurance companies.

To Elland Back

ba_barabus wrote: »

I've done it before. Don't forget the underwriter can be covering a whole host of insurance companies.

You're mixing up brokers, insurers and the phrase 'underwritten by'.

The likes of Chill, AA, 123.ie, Quote Devil etc are not insurers, they are brokers/agents. They have products 'underwritten by' insurance companies and yes, quite often it can be the same insurer for a number of the agents/brokers. If the insurer has a policyholder on it's books from one source, it is not a problem to cross reference it with information obtained previously from another source

ba_barabus

To Elland Back wrote: »

You're mixing up brokers, insurers and the phrase 'underwritten by'.

The likes of Chill, AA, 123.ie, Quote Devil etc are not insurers, they are brokers/agents. They have products 'underwritten by' insurance companies and yes, quite often it can be the same insurer for a number of the agents/brokers. If the insurer has a policyholder on it's books from one source, it is not a problem to cross reference it with information obtained previously from another source

Ive mixed nothibg up unless you'd like to point it out to me. My insurance company underwrites other brokers and agents. I've rang my insurer to report a crash, given the reg of the other party and they've found and contacted their insurance company.

To Elland Back

ba_barabus wrote: »

Ive mixed nothibg up unless you'd like to point it out to me. My insurance company underwrites other brokers and agents.

The above is a correct statement, you originally said that an underwriter can be covering a host of insurers

ba_barabus

To Elland Back wrote: »

The above is a correct statement, you originally said that an underwriter can be covering a host of insurers

Sorry, I see now where the mistake came from. It wasn't clear from what I said.

To Elland Back

ba_barabus wrote: »

Sorry, I see now where the mistake came from. It wasn't clear from what I said.

Ah, pay no attention to me, It's a complicated technical issue and I've had a tough week personally.

Cheers