My car was parked and hit by another car which was stolen. My insurance company called me yesterday and said that because the people that hit my car were not the authorised drivers, they're aren't going to push for the other owners insurance company for liability. I wasn't there when the accident happened. So it certainly wasn't my fault. Can they do that? in that case whats the point in having insurance when they seem to screw you over in any event?
They were so slow that I had to get the police report for them. My excess alone is £420!! Help!
2007-08-22 21:28:32 · 19 answers · asked by bling_licious 1 in Cars & Transportation ➔ Insurance & Registration
I do have fully comprehensive insurance so doesn't that cover everything?!
2007-08-22 22:01:40 · update #1
If you are fully comp you can make a claim anyway - so now that is out the way - how to get you sorted with excess and expenses.
There is a little known scheme (I wonder why?) called the
Criminal Compensation Board Scheme
Ask the investigating officer in your case about it and they are duty bound to put you in contact with the Board.
The scheme is funded by Government and the Insurance companies to protect people against uninsured drivers. You make your claim using your crime number (some police forces will actually do this for you amazingly) and then after a short period you will receive an answer. They often only pay a percentage of the actual loss - but you can request a compensation payment as well which typically tops it up.
2007-08-22 21:34:18 · answer #1 · answered by Anonymous · 3⤊ 0⤋
Regrettably there is nothing that can be done - your insurers will pay for your repairs (less the excess - if you can't pay the excess why did you get such a high one!) so you have had a benefit from the insurers.
However they cannot claim against the owner's insurance as the owner, presumably, was not negligent, nor responsible for the theft.
It seems to be a common belief that insurance covers everything and that if an incident is not your fault you won't be charged extra. Neither is true. As I learnt many years ago - it is a No Claim Bonus, not a No Blame Bonus.
You don't say whether the driver of the stolen car was apprehended or not. If they were then in theory you could claim against them but to my mind that would be throwing good money after bad.
Please note that the Criminal INJURIES compensation board only pay for people injured as a result of crime and although the Motor Insurance Bureau do have two schemes, damage for property is only covered if the other driver is known and is uninsured. (Again Injury is covered through the MIB - untraced drivers scheme)
2007-08-23 02:40:42 · answer #2 · answered by welcome news 6 · 0⤊ 0⤋
What your insurance company is doing is not right at all. Heck, it was your car that was bloody destroyed. Insurance should cover you for any accident whether or not you caused it. What irks me so badly is that there is no way to file a claim/complaint with them. In my opinion, you should be entitled to as much money as the damage is worth plus interest. And not to mention the fact that you had to give the bloody police report to them. Only way I know this is I've had the same thing happen as well. And I really couldn't do a thing about it. I know it's flustering.
2007-08-22 21:45:50 · answer #3 · answered by Shep 2 · 0⤊ 1⤋
I would contact a legal team and find out where you stand i believe that you can purse the criminals for compo through the courts, but that only helps if they were caught.
all i can say is that the other party was not at fault infact they are probley just as upset as you because there car was stolen and im sure if it happened to you you wouldnt want your insurance company to turn round and say we are gonna pay for all the damages the criminals caused and as a result your insurance goes up and you have to pay the excess, im sure you would feel so happy about it all.
just a thought have you had the repairs valued yourself? or do you know someone who can do them for you?
you may find it cheaper to just get it done without going through the insurance company and save on your cover going up in price.
2007-08-22 21:45:19 · answer #4 · answered by mik_se7 2 · 1⤊ 1⤋
The same thing happened to me in January. However the car was not stolen, but it wasn't registered and therefore untraceable. I had to claim off my own insurance and ended up paying a £450 excess and loosing two years no claims. Ring your insurance company and insist that they claim off the owners insurance, regardless of who was driving, and don't take no for an answer. Good luck.
2007-08-22 21:47:27 · answer #5 · answered by dubbleyu 3 · 0⤊ 1⤋
Unfortunately, you are SOL on this one. The insurance of the vehicle that was stolen would NOT cover damages to your car. They would deny the claim based on the fact that the driver did not have permission at the time of the accident. You could press charges against the theif, but you probably would not get very far with that.
2016-03-17 04:58:05 · answer #6 · answered by Beverly 4 · 0⤊ 0⤋
car hit stolen car insurance pay
2016-02-02 02:29:05 · answer #7 · answered by Stacee 4 · 0⤊ 0⤋
The owners of the car would not be responsible, that's true, but your insurance policy can sue the party that stole the vehicle. If you had full coverage on your vehicle (comp and coll) then you would just pay your ded and they would fix the vehicle and eventually the courts would find the party who stole the vehicle as responsible to pay any of your out of pocket expenses. But your insurance company should be defending your rights.
2007-08-22 21:43:49 · answer #8 · answered by Anonymous · 0⤊ 1⤋
this happened to us a few years ago we had to go to The insurance bureau of Ireland which is an insurance company thats set up for cases like this we were awarded the costs of getting the car fixed but it was a lengthy process.you should go to a solicitor he will advice you on what to do. we didnt know about the insurance bureau existed untill we went to a solicitor
2007-08-22 21:44:39 · answer #9 · answered by nethnee 5 · 0⤊ 1⤋
They don't have to claim off the other people (subrogation) - that is their choice but I would expect them to pay you unless you had a very cheap policy with exclusions. Third party only pays only those people you injure with your car. TP with Fire and theft does what it says on the wrapper - accidental damage caused by an uninsured driver is not covered.
Perhaps you did not have "fully comprehensive" cover?
2007-08-22 21:42:19 · answer #10 · answered by morwood_leyland 5 · 0⤊ 1⤋