I have been involved in a road traffic accident, and suffered an injury, the other party has no insurance. Is it possible to claim against them?
2007-02-17 01:15:39 · 13 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
What you want is the "Motor Insurers Bureau". They will (eventually) pay out and try to recover the loss from the other driver. If they can't then they will just pay out. All insured drivers pay a part of the premium to fund this. You will almost certainly have to get a court judgement to start the process off.
2007-02-17 20:08:00 · answer #1 · answered by The original Peter G 7 · 0⤊ 1⤋
Your policy should have a portion that insures you against uninsured motorists. You should have received a breakdown of the coverage amounts and the cost to you when you bought your insurance and every time you renew it. This is usually a part of the minimum coverage required by law in most states.
Your insurance company will take care of the claim and go after the uninsured motorist. They will not necessarily raise your rates either. Last year my car was stolen and wrecked. It was repaired by the insurance company. 5 months later it was hit again by a young driver and repaired again. Guess what? My renewal rates went down!
I recently bought insurance in a new state. I was not found at fault for the accidents and did not have to pay higher rates with the new company. In fact, I'm paying less. I have a clean driving record. (Of course, I attribute this miracle to God answering my prayers!)
2007-02-17 01:23:37 · answer #2 · answered by amazingly intelligent 7 · 0⤊ 0⤋
OK.... i dont know where two of those posters lived at... or if they live in their own fantasy world... but U.S. insurance companies dont just have a "magical fund" for when you get hit by an uninsured driver. That sounds like something that someone would call into my company about and insist there was and scream at me when i told them it didnt exist.
What you might possibly have (if you elected to carry it) is uninsured motorist coverage. This covers your injuries and acts like the bodily injury portion of the claim IF they had insurance.
If you did not elect to have this coverage your only means of compensation is to go after the other driver directly. As they probably dont have much money (carrying no insurance and all) you will likely never see a penny from them. But worth trying i suppose..
2007-02-17 03:42:53 · answer #3 · answered by Anonymous · 0⤊ 2⤋
As already said , (THIS IS A UK QUESTION) - there IS a fund specifically for paying out when this sort of scum hits an insured driver. If you were injured - and the police WERE involved then start a civil action against them - or try one of those 'accident helplines'. If sueing for personal injury - the courts also have a fund for paying out when chavvy, unemployed scum injure the public.
2007-02-17 01:23:49 · answer #4 · answered by creviazuk 6 · 0⤊ 0⤋
you could declare against the different motive force yet they won't have the money. the way around that's to declare to the motor insurers bureau. whilst claiming to the motor insurers bureau there is an contract between the government and the coverage marketplace which will pay for the MIB which includes lots of pitfalls for the claimant. the main necessary of those is to record the incident suitable the police and receive their reference kind asap. do no longer forget approximately you won't comprehend they are uninsured as they might have lied to you. additionally they could be untraced as they might have given fake information. The police is often waiting to substantiate you have the dazzling insurer information. The deadlines might properly be below a week so continually record it in the day. or you could discover the MIB refuse to pay you reimbursement. the suited thank you to declare with the MIB is to touch an area solicitor who could ensure you get the dazzling quantity of reimbursement. Their expenditures might all be paid with the help of the MIB besides on your reimbursement.
2016-09-29 05:47:20 · answer #5 · answered by ? 4 · 0⤊ 0⤋
All the insurance companies pay into a fund for accidents involving uninsured drivers.
Cant remember what its called,im sure someone else who answers will know.
P.s. you claim from your own insurance and they get the money back from the fund.
2007-02-17 01:19:54 · answer #6 · answered by Pat R 6 · 1⤊ 1⤋
Ask your insurers to advise - if he had no insurance it is an offence - insurance companies have a voluntary fund set up - paid for by you and me by the way - to assist!
2007-02-17 01:21:11 · answer #7 · answered by jamand 7 · 0⤊ 0⤋
If you carry uninsured motorist coverage on your own policy, they will settle your injury claim and then seek reimbursement from the at-fault party. If you don't have uninsured motorist coverage, your best option would be small claims court.
2007-02-17 01:53:59 · answer #8 · answered by toribeth1364 1 · 0⤊ 1⤋
You can sue them and probably win, then you have 10 years to collect. Through wage garnishments and things like that - life ain't fair - I bet you had insurance! You should add uninsured motorist coverage (it is cheap and covers you for cases like this)
2007-02-17 01:21:24 · answer #9 · answered by startrektosnewenterpriselovethem 6 · 0⤊ 1⤋
If you're fully comp, claim through your own insurance company.
If not, legal action is a way out.....there is no safeguards, except fully comprehensive.
2007-02-19 03:52:00 · answer #10 · answered by Anonymous · 0⤊ 0⤋