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By (user no longer on site) OP
over a year ago
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I borrowed my car to my 18 year he was fully insured. Some wanker hit damaged my bumper and lights. then run off Should I go through the insurance or get it done privatly |
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Depends on your excess , if they report you hit them and drove off and you repaired it privately looks dodgy , at least report it to the police, if you do claim it will increase his insurance as well |
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By (user no longer on site) OP
over a year ago
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"Depends how much it'll cost to repair."
About 700 but if i went through the insurance I would take the hit as I dont want to tarnish my son's name. As he is really upset at the moment.
The car is worth around 12k |
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By (user no longer on site) OP
over a year ago
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"Depends on your excess , if they report you hit them and drove off and you repaired it privately looks dodgy , at least report it to the police, if you do claim it will increase his insurance as well"
He run off and when my son chased him he couldn't go far due to the damage on the bumper |
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By (user no longer on site) OP
over a year ago
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"most polices apply a hugely inflated excess to under 25s, they will also expect you to have reported the incident to the police.
Cal"
Shall I report to the police and then get it done privatly |
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Report it to police and then get a price to repair if its about the same price fix it save his excess and a claim against his insurance , he can still pay for it himself though , the police may trace the other guy with CCTV as well |
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"Technically I think you are committing an offence if you don't report it to the police"
The person who caused the damage is the one who would commit the offence of not reporting, not the victim.
Little point in reporting it - being held on hold for a week, as you have to call 101. And what will they do? Give you a crime number and nothing else, unless there are witnesses, or a dashcam, or you have the other driver's registration number.
£700 is cheap for a car repair. Better to do that and not affect a claims record. |
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By (user no longer on site)
over a year ago
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Whatever you do, also let your insurance company know. I got stuck by something like this last year and the bastard reported to my insurance that it was an accident for which I was at fault.
They won't penalise but at least are aware of it. Apparently you are lawfully obliged to do this (or so I got told) |
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"Whatever you do, also let your insurance company know. I got stuck by something like this last year and the bastard reported to my insurance that it was an accident for which I was at fault.
They won't penalise but at least are aware of it. Apparently you are lawfully obliged to do this (or so I got told) "
It will affect your claims record and they will penalise you if you do this. They will put it down as a pending claim and that will affect your renewal quote.
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"Whatever you do, also let your insurance company know. I got stuck by something like this last year and the bastard reported to my insurance that it was an accident for which I was at fault.
They won't penalise but at least are aware of it. Apparently you are lawfully obliged to do this (or so I got told) "
There is nothing in law, but many insurance companies put it in their contracts. But if you just tell them that your car was bumped whilst parked and the damage is only minor so you will fix it yourself... then there will be no penalty and no recorded accident.
Cal |
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By (user no longer on site)
over a year ago
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"Depends how much it'll cost to repair.
About 700 but if i went through the insurance I would take the hit as I dont want to tarnish my son's name. As he is really upset at the moment.
The car is worth around 12k"
You’d be on dodgy ground there mate, if it genuinely wasn’t your boys fault then your insurance would a claim in to the mib who all insurance companies pay into to cover uninsured drivers. At worst it will go down as a none fault accident against your boy which wouldn’t increase his premiums. I’d make sure your boy isn’t spinning you a yarn tho to cover his arse, he might have been driving too fast and hit a fence or something. Kids tell lies if it means staying out of trouble. Check your car for signs of being hit by another car, paint transfer and things like that. |
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"Depends how much it'll cost to repair.
About 700 but if i went through the insurance I would take the hit as I dont want to tarnish my son's name. As he is really upset at the moment.
The car is worth around 12k
You’d be on dodgy ground there mate, if it genuinely wasn’t your boys fault then your insurance would a claim in to the mib who all insurance companies pay into to cover uninsured drivers. At worst it will go down as a none fault accident against your boy which wouldn’t increase his premiums. I’d make sure your boy isn’t spinning you a yarn tho to cover his arse, he might have been driving too fast and hit a fence or something. Kids tell lies if it means staying out of trouble. Check your car for signs of being hit by another car, paint transfer and things like that. "
I think you should read up on how the MIB works before you post!
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By (user no longer on site)
over a year ago
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"Depends how much it'll cost to repair.
About 700 but if i went through the insurance I would take the hit as I dont want to tarnish my son's name. As he is really upset at the moment.
The car is worth around 12k
You’d be on dodgy ground there mate, if it genuinely wasn’t your boys fault then your insurance would a claim in to the mib who all insurance companies pay into to cover uninsured drivers. At worst it will go down as a none fault accident against your boy which wouldn’t increase his premiums. I’d make sure your boy isn’t spinning you a yarn tho to cover his arse, he might have been driving too fast and hit a fence or something. Kids tell lies if it means staying out of trouble. Check your car for signs of being hit by another car, paint transfer and things like that.
I think you should read up on how the MIB works before you post!
"
It is there to cover uninsured drivers or drivers who have left the scene and are untraceable and any injury or damage to property resulting in either of the above. |
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For victims who themselves are uninsured.
Clearly the OP has comprehensive insurance as he discusses whether to make a claim to his insurers, so he cannot claim from the MIB.
His insurers cannot recover their losses from the MIB. The MIB does not compensate insurance companies! |
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By (user no longer on site)
over a year ago
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You’re wrong matey, if victims could claim for being uninsured then we would all be doing it wouldn’t we. It is for victims who are insured but are not at fault and the driver responsible is either uninsured or untraceable. Go online and check on their website. |
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"You’re wrong matey, if victims could claim for being uninsured then we would all be doing it wouldn’t we. It is for victims who are insured but are not at fault and the driver responsible is either uninsured or untraceable. Go online and check on their website. "
No it isn't!
It is for victims of uninsured or untraced drivers, where the victim is also not insured, such as people who are crossing the road and are run down by an uninsured driver, or a driver who doesn't stop and is never found.
That's the point. If you have comprehensive car insurance and an uninsured or an untraced driver hits your car, you cannot claim from the MIB. You have to claim from your car insurer. |
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By (user no longer on site)
over a year ago
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"You’re wrong matey, if victims could claim for being uninsured then we would all be doing it wouldn’t we. It is for victims who are insured but are not at fault and the driver responsible is either uninsured or untraceable. Go online and check on their website.
No it isn't!
It is for victims of uninsured or untraced drivers, where the victim is also not insured, such as people who are crossing the road and are run down by an uninsured driver, or a driver who doesn't stop and is never found.
That's the point. If you have comprehensive car insurance and an uninsured or an untraced driver hits your car, you cannot claim from the MIB. You have to claim from your car insurer."
Sweet Jesus, I was hit by an uninsured driver, I was fully comp, I was paid out by the MIB. This is from their website.
The Uninsured Drivers' Agreements and The Untraced Drivers' Agreements
MIB's obligation is to handle claims in accordance with The Uninsured Drivers' Agreements and The Untraced Drivers' Agreements produced in collaboration between MIB and the Government. MIB is restricted to paying compensation in circumstances where compulsory motor insurance should have been in place. In summary this means MIB can pay compensation for property damage, death or injury arising from the use of a motor vehicle on a road or a public place in accordance with the Road Traffic Act 1988.
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"You’re wrong matey, if victims could claim for being uninsured then we would all be doing it wouldn’t we. It is for victims who are insured but are not at fault and the driver responsible is either uninsured or untraceable. Go online and check on their website.
No it isn't!
It is for victims of uninsured or untraced drivers, where the victim is also not insured, such as people who are crossing the road and are run down by an uninsured driver, or a driver who doesn't stop and is never found.
That's the point. If you have comprehensive car insurance and an uninsured or an untraced driver hits your car, you cannot claim from the MIB. You have to claim from your car insurer.
Sweet Jesus, I was hit by an uninsured driver, I was fully comp, I was paid out by the MIB. This is from their website.
The Uninsured Drivers' Agreements and The Untraced Drivers' Agreements
MIB's obligation is to handle claims in accordance with The Uninsured Drivers' Agreements and The Untraced Drivers' Agreements produced in collaboration between MIB and the Government. MIB is restricted to paying compensation in circumstances where compulsory motor insurance should have been in place. In summary this means MIB can pay compensation for property damage, death or injury arising from the use of a motor vehicle on a road or a public place in accordance with the Road Traffic Act 1988.
"
No you weren't because this is what the MIB's own website says!
5. Damage to your vehicle
If you have comprehensive motor insurance for your vehicle you should make a claim for any repairs through your own insurer. You should do the same for any other property damaged as a result of the accident |
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By (user no longer on site)
over a year ago
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"I borrowed my car to my 18 year he was fully insured. Some wanker hit damaged my bumper and lights. then run off Should I go through the insurance or get it done privatly"
the excess you will pay or he will pay will be higher than cost of repair  |
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