i have crashed into by an un-insured driver who has been caught and admitted liability. Where do i stand?

Question

the driver drove off but got caught. He is uninsured driving a company vehicle and has admitted full liability. I have an old Golf i am restoring worth to me about £2000 but about £500 retail. I have given him an estimate for repair (£4,500) If he doesnt recover my money or repair the car where do i stand legally. I obvoulsy wnat to recover my losses but am unaware how i proceed if hegets difficult!

Answer 1

If he has a company car you can sue the company.

Have a look here:http://www.mib.org.uk/Default.htm

or here: http://www.mib.org.uk/MIB/en/Claims/UK/Uninsured/GFprocedure.htm

If your fully comp then you will have to pay (because you can claim). If your TP covered then you can claim through the MIB. I did it. Got paid out!

Answer 2

You can take civil litigation proceedings to recover the money but be careful as he may not be a viable defendant (unable to pay). If he was in Co car and on Co business you can put the co as a 2nd defendant. They will be vicariously responsible and probably a more viable option but put both defendants down on claim form together - not separate claim.
If you do not want to go through this hassle contact the Motor Insurance Bureau. They deal with compensation for uninsured drivers. Oh - and be sure to report the driver to the police for not having insurance too.

Answer 3

when i drove a company vehicle i had to provide my driving licence-insurance was not an issue so long as i was driving on company business i was on the company's insurance.. as the other driver was driving a company vehicle it can be said he is in full-time emplyment (a good sign for you) as you can sue through the small-claims court (this has a limit of £5000) and will probably get your money-also get in contact with the other drivers company-if he was working then they have to admit partial liability because they have to ensure all drivers of their vehicles are qualified to do so. if he has admitted liability (in writing) then there should be no prblems provided he has admitted full liability and he drove off-which won't help his cause much. if he gets difficult take the matter to a solicitor and let them deal with it-do not under any circumstances contact the other driver (or his represantatives) yourself. best of luck.

Answer 4

hey,

Ok this is how you stand,

If it is his own car, and he is not insured, you can send your legal team (which you may have through your insruance ) to MIB. not Men in Black but Motor Insurance Bureau. They help people who have been in incidents with uninsured drivers.

If its a company car the police can tell you that of the registration.

But either way you will be find in terms of immediate finances.

However in any even if he is not insured it will be classed as a fault claim on your premium at renewal if not all losses are redeemed by your company.

Answer 5

If your car's only worth about £2000 to you and alot less than that at book price then you've got a bit of a cheeky expecting anywhere near 4500 lol I'm sure i've heard that if the other guy has no insurance then there's pretty musch sod all you can do other than get him arrested for driving without insurance etc.

Answer 6

HIs coverage (or loss of it) is his company, your broken automobile is your organization. Why in the international do you prefer to comprehend his coverage information. Are you a faux policeman? Be useful. you're making your broken automobile your organization. Take it to a storage or fix agent and characteristic it regarded at. Ask for an estimate, deliver it to the guy who led to the wear and tear with a letter asking him to pay you for the wear and tear led to. you will desire to even ask a solicitor to jot down a declare for you, in case you like. If he pays up, end of tale. possibly he sends it to his coverage company, they might quibble, they might see the wear and tear led to, yet finally it relatively is the guy who led to the wear and tear this is in charge for making stable your loss, if he does not pay up, sue him. while those claims come to courtroom, that's considerable teach you're actual looking by utilising minimising your losses, and probably offering a pair or greater estimates to coach that they weren't exorbitant. Why do you prefer to contain your coverage company? the guy who does the wear and tear is in charge, no longer your coverage company, no longer his coverage company, no longer his better half, nor his little ones, nor everyone who observed it take place. He who's in charge, pays the invoice. How confusing is that? you will desire to contain the police, yet they do no longer look to be going to pay for the wear and tear, the two. What do you choose? Your automobile repaired at free of charge to your self, or a neighbour being prosecuted and made to pay a rather good? If, by the variety, he became no longer insured, and does get fined, you're possibly going to would desire to attend a whilst longer on your reimbursement!

Answer 7

You have two courses of action. 1) If he was driving a Company car then the Company may bear some liability for his actions. 2) I don't know what you call it across the pound but here in the US we call it Small Claims Court.....Max award in that court is $5000.00 USC.

Answer 8

you could take him to court (the small claims court would probably be best) but if the car is a write off you might only get the value of the car plus your court costs try enquiring at the citizens advice bureau in your town

Answer 9

You claim from the company he was driving for not the person who crashed into you. If things get heated go to ur Solicitor who will be able to advse you on what to do

Answer 10

Uninsured? Unfortunately you stand empty handed. You cant win.