If you was in an accident and the other party had no insurance. who pays for it? - Civinfo
 
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post #1 of 12 (permalink) Old 18th September 2012, 18:44 Thread Starter
 
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If you was in an accident and the other party had no insurance. who pays for it?

Not been in accident BTW. But wondered if you was in accident and car was a right off, Not your fault. The other party had no insurance. Who pays for it?
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post #2 of 12 (permalink) Old 18th September 2012, 18:46
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Your insurance pays out but it counted as your 'fault' as your insurance can't claim the money from the other party - this means your premiums will go up
ie you end up paying for it
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post #3 of 12 (permalink) Old 18th September 2012, 18:47
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I *think* there is a small government pot and you can make a claim/request for a pay out from it. But I don't think it's a very big budget and don't expect full market value.
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post #4 of 12 (permalink) Old 18th September 2012, 18:55 Thread Starter
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Quote:
Originally Posted by neeblack View Post
Your insurance pays out but it counted as your 'fault' as your insurance can't claim the money from the other party - this means your premiums will go up
ie you end up paying for it
Wow really? So I have to pay for my own car plus more from future insurance while the other person gets away with it.

This is justice how?
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post #5 of 12 (permalink) Old 18th September 2012, 18:58
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Some companies offer a bonus where if you get hit by a non insured driver they don't penalise you for it. Allegedly.
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post #6 of 12 (permalink) Old 18th September 2012, 18:58
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Unisured drivers fund can be claimed from iirc

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post #7 of 12 (permalink) Old 18th September 2012, 19:12 Thread Starter
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Shouldn't there be some sort of monetary punishment for the uninsured driver?

Or some form of punishment?
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post #8 of 12 (permalink) Old 18th September 2012, 19:36
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Why punish the guilty when you can punsih the innocent ?
Come on.... this is britain in 2012 we are talking about

Criminals get the carrot and victims get the stick



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post #9 of 12 (permalink) Old 19th September 2012, 12:30
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There is an unisured drivers agreement that the Motor Insurers bureau has in place.

Which effectively is a pot of money that all victims of uninsured drivers can claim from... You may not get the full amount owed, but you will get something. Can also be a very lengthy process
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post #10 of 12 (permalink) Old 19th September 2012, 12:37
 
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some of our insurance premium goes into this pot
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post #11 of 12 (permalink) Old 20th September 2012, 07:30
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i was hit by an uninsurd driver a number of years back when i had the golf, my insurance company paid out and they took the guy to court to recoup the funds, however he never paid they went to the point of baliffs attending the home but it was a empty flat he was on benefits so attacment of earnings long story short ins company could not claim money back went down on my insurance as a non fault claim and preimium went up next time *******s
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post #12 of 12 (permalink) Old 20th September 2012, 08:06
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Quote:
Originally Posted by Spank My Car View Post
I *think* there is a small government pot and you can make a claim/request for a pay out from it. But I don't think it's a very big budget and don't expect full market value.
thats right , i heard also
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