Last week a car crashed into my 8 foot brick boundary wall, completely smashing it down, The car landed on its side in my back garden. The driver climbed out the car and ran off. The police have just informed me as the drivr ran off they did not have any body for the crime leaving me with a £2.500 repair bill. My insurance does not cover my boundary walls so now I am at a total loss of what to do and am really stressed. I do not have the money to cover. Somebody told me about a fund that helps people out who have been affected by an uninsured driver, but nobody else really knows anything about it. I would be most grateful if anybody can help me with this!!!!!!!!
2007-02-10 09:35:04 · 14 answers · asked by nic_barbiegirl 1 in Cars & Transportation ➔ Insurance & Registration
Ignore all the other answers.
You need to make an application to the Motor Insurers' Bureau
Here's their website.
http://www.mib.org.uk/MIB/en/Claims/Default.htm
Good luck.
2007-02-12 03:55:40 · answer #1 · answered by Johnny X 2 · 1⤊ 0⤋
I would only say you are unlucky, and so did I. I had a similar encounter. The driver did not run away, but the young driver do not have a driving licence (probably under 18) and certainly have no insurance, and they are on benefit!!! They Police said that if I can act as witness, action can be taken against them for unlicensed driving but would that be any use? I dont know exactly the uninusred fund you mentioned but my impression is that for personal injury by somebody hit by cars with no third party insurance so do not apply in your case.
Sometimes, I find it ver frustrated because there are many many such young driver in my town who are both unlicensed nor uninsured, totally ignored the safety of others. The Polcie should do something about it.
2007-02-10 23:12:38 · answer #2 · answered by Beckham 2 · 0⤊ 0⤋
First thing is to change your insurance!
If a Boundary wall isn't covered then what else isn't covered!
Talk to the Police again, when you've done that go to the Citizens Advice Bureau as this is right up their street.
The Uninsured Driver fund tends to be for families that have been devastated by an uninsured driver but can be claimed against for any victim of an uninsured driver.
Personally I would get rid of the bricks and put in wooden fencing panels, its a hell of a lot cheaper and easy enough for you to do yourself!
Other than that - rebuild it yourself! IT AINT HARD!
:~}
2007-02-10 09:44:22 · answer #3 · answered by Anonymous · 1⤊ 0⤋
Did the police check where the car came from? Was it stolen, you didn't say.
Talk to your own insurance company and ask them about the Uninsured Drivers Fund. If you have a car, ask your car insurance people about such a fund.
It's a bit odd that your insurance doesn't cover the boundary wall, you should have cover for building and contents.
Maybe it's time to think about moving insurers.
2007-02-10 21:20:40 · answer #4 · answered by Rob K 6 · 0⤊ 0⤋
Listen to the guy above me, he knows what he is talking about.
The MIB (Motor Insurers Bureau) administer a fund that all UK insurance companies pay into. This fund is used to help people such as yourself who have suffered losses from the actions of uninsured drivers.
It may be worth asking your insurers if you have any legal expense insurance. If you do, they may be able to instruct solicitors to help you make a claim via the MIB. If not, you can still do it yourself via the MIB directly.
It's all explained on their website, good luck
2007-02-12 04:32:53 · answer #5 · answered by Anonymous · 0⤊ 0⤋
The insurance companies set up a fund several years ago that covers people who have been affected by the actions of uninsured/ untraced drivers. Contact your local CAB and seek their advice.
2007-02-11 23:54:57 · answer #6 · answered by Anonymous · 0⤊ 0⤋
I know all about the fund we have where I live but it looks like you live in the UK. My suggestion would be to talk to either an insurance agent or go to a Motor Vehicle office and inquire there. I suspect the fund does exist, I just don't don't know who you have to contact to submit a claim.
2007-02-10 13:04:55 · answer #7 · answered by patti duke 7 · 0⤊ 0⤋
the owner of the vehicle is helping and abetting the offence which includes an similar penalty as quite committing the offence. the owner would want to assert that he did now no longer furnish the diverse human being permission to practice it, and the diverse human being ought to then get charged with taking without the vendors consent, with the owner being let off, yet because it type of feels he grew to grow to be into contained in the vehicle on the time, it might properly be complicated to assert he did now no longer furnish permission. as rapidly as convicted, he ought to prefer to let his insurer be conscious of. His correct type will be going up for some years.
2016-12-04 00:26:36 · answer #8 · answered by ? 4 · 0⤊ 0⤋
the insurance ombudsmen will take approxmatly 8 weeks to do anything,first of all they notify your underwriters that you are making a claim,the underwriters have this 8 week period in which to reply,if they fail to reply you then get back in contact with ombudsmen quoting the reference they gave you and they then take it up on your behalf.the following details are from there letter to me
financial ombudsmen service
south quay plaza
183 marsh wall
london e14 9sr
phone 0845 080 1800
fax 020 7964 1001
dx 141280 isle of dogs 3
www.financial-ombudsman.org.uk
2007-02-11 02:09:02 · answer #9 · answered by Anonymous · 0⤊ 0⤋
Hello have you tried the insurance ombudsman, they normally
deal with un-insured driver claims. You should find them in the phone book. Good luck.
2007-02-10 10:19:03 · answer #10 · answered by mick49a 4 · 2⤊ 0⤋