Found this:
What if the motorist cannot be identified?
If you have been injured by a vehicle that does not stop, you will be able to submit a claim under the Untraced Drivers' Agreement. Damage to property claims can only be considered if the accident occurred on or after 14 February 2003.
The accident must be reported to the police within 5 days and a claim made within 9 months. It is a requirement that the vehicle causing the damage must be identified as a condition of being able to claim for property damage.
If you have been injured you must report the accident within 14 days to the police or as soon as reasonably possible.
So my original assertion that in a non injury the driver must be identified was incorrect - it must be the vehicle. Close :S
I am uncomfortable with the idea that the Insurance company can just wash their hands of what appears to be a legitimate claim by saying that there was 'no negligence' due to their being an unknown third party involved. Not knowing the specific circumstances but it may be claimed that the driver should have should have taken into account possible scenarios and driven accordingly.
I'd be sending a letter 'Recorded Delivery' to the other party indicating that as their insurance company were declining responsibility for damages then you will be holding them directly responsible for damages. This then puts pressure on them which in turn they pass onto their insurance company.
As regards an MIB claim they deal with 'Uninsured' and 'Untraced' drivers neither of which cover the circumstances. However should they accept a claim they may well pass it back to the insurance company to pay up and stop acting like 'daft t***s'
Ultimately be prepared for everyone to try and bat it off. Unfortunately in the latter years of my service that also include the Police.
As unfair as it may seem Fully Comp insurance gives you that cover but they seem reluctant to 'do the right thing' by its customers and you ultimately take a hit.
Last edited by: Fullchat on Wed 20 Mar 19 at 16:29
|
Insurance Claim new
Insurance Claim new
