If the unknown Third Party actually existed, then the Fiat 500 driver was probably not negligent. And if she was not negligent, then she is not liable and her insurance will not pay out unless they see it as more economical to do so.
Does he have comprehensive or TP insurance?
Does the Unknown other driver exist? Do the police think so? Does anybody have a licence plate or a CCTV video? Because that matters.
Hastings want to refer him to a claims handler. What happens if they can't recover the money, Is he liable?
And of course he has a no *claims* discount, not a no fault bonus, so if he can't claim then his premiums will be impacted.
If the unknown TP existed, then perhaps a claim to the MIB under the "untraced drivers H&R Scheme" will work. I am nowhere near up-to-date enough these days to know.
If the unknown TP did not exist then the Fiat 500 *is* liable.
Time to tread very gently.
I would recommend that either you or he speak to Auxilis and gain an understanding of;
1) Who are they intending to claim against?
2) What happens if they fail? [is your son liable for any money?]
3) What is their intended process? [repairs / replacement vehicle / etc]
Also speak to his insurer and understand;
1) What will their position be if recovery is not possible;
..a) No claims bonus
..b) Repairs to his vehicle [or replacement indeed]
..c) His excess
Then see what you think of the position.
Last edited by: No FM2R on Wed 20 Mar 19 at 11:47
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Insurance Claim new
Insurance Claim new
