T
I was parked by my sons school, when this car came round the corner going too fast lost it, hit my car then drove off. The accident caused them to have a flat.
I got the reg informed the police and my insurance company, only they have no insurance....boy racers....
So now my insurance has to pay out for the repairs to my car, my insurance premium will go up
Now I also have access to a jeep with bull bars, and I have a pretty good idea of where the car is driven around.
Can you guess where I am going with this...???
Well it's what I feel like doing anyway.
I got the reg informed the police and my insurance company, only they have no insurance....boy racers....
So now my insurance has to pay out for the repairs to my car, my insurance premium will go up
Yes, you could actually be correct on that as she says Police and not the Gardai. In the UK it would affect her bonus and price of next year’s policy also.I wonder if OP is based in UK where this would be the case?
But hey this is the UK
Ahem, not all good ideas originate here. Below is the web-address of the Motor Insurers' Bureau (MIB, the original of the species) which fulfills the role of the MIBI for the UK, but has a much wider ranging brief. -... I think the MIBI is actually a good idea, surprised the UK has not picked up on this also giving the large amount of accidents with uninsured drivers that happen there.
...
Apologies, I didn’t no about the UK Fund at all. I don’t think from a quick read through the website, that it has a wider ranging brief or would be a better model as the OP will still possibly have to end up claiming from her own Insurance to get back on the road quickly as the MIB takes at least 4-5 months to investigate the matter and god knows how long to pay out, The UK model doesn’t seem to protect the claimants No claims Bonus and the Policy as the Irish Model does. I may be wrong as I admit I only glanced through the website but it also seems that if the driver is caught and is uninsured the MIB only take over to investigate after the claimant fails to get a county court judgement or gets an unsatisfying one. Is that correct?..Ahem, not all good ideas originate here. Below is the web-address of the Motor Insurers' Bureau (MIB, the original of the species) which fulfills the role of the MIBI for the UK, but has a much wider ranging brief. -
http://www.mib.org.uk/Customer+Services/en/Accidents+in+the+UK/Default.htm
OP, please make sure you process your claim and are not out of pocket as a consequence of some else's illegal driving activity.
Yes actually does seem to be a better model now that I’ve read it a little better. Seems to be alot of cooperation between official bodies which is certainly not happening here. It took the gardai 4 days ( It happened late on a Friday Afternoon, so couldn’t get in touch with Shannon until Monday morning I was told ) or so to get a name for the vehicle registration from the Dept of Transport in Shannon of the vehicle that hit me, but by then I had located the vehicle myself. I bet if that was in the UK the police would have had the full details in seconds from a shared database.Briefly, since 2001 or so the MIB are the ones the traffic police on UK TV shows call in relation to uninsured drivers - they are the holders / administrators on the "insured drivers / cars database" and the cops impound uninsured cars on their say so.
They run publicity campaigns targeting uninsured drivers or drivers whose policies are due for renewal
They pursue uninsured drivers through the county courts to recover costs paid out to the victims of uninsured drivers
They pay out on claims against uninsured / unidentified vehicles / drivers and they administer the Green Card Scheme for non-EU drivers in the UK
They have some sort of coordinating responsibility between the DVLA (vehicle & driver licensing records), the police (criminal records and intelligence), the insurance industry (funding and insurance records), and the UK's Dept for Transport. They return unused portions of their budget to insurers, who presumably pass savings back to their policy-holders.
It seems to be working well as their 2009 annual report mentions, with 177,000+ uninsured vehicles identified taken off the road via the database and 37,000 taken off the road via the MIB Police Helpline.
Their Annual Reports in PDFs make for interesting reading.
I seriously doubt it, Would take an army of civil servants that would cost a fortune to pay to do a relatively easy job with perhaps the shortest working hours out there lead by a few undeserving highly paid civil servants who would possibly eat up the majority of any Budget this scheme would have to operate from!..I wonder could we adopt all of this without turning it into yet another useless quango costing millions?
I was shocked that they could actually claim as they obviously participated knowing the driver was underage and the car was uninsured. They went Joyriding, nearly killed 3 people and themselves and got very well paid for it in the end up!!..
I heard recently the MIBI is coming after the young driver for the monies they had to pay out, I also think that is wrong, If they are taking money from everyone’s policy to fund MIBI they shouldn’t also be allowed to take that young guys saving and future inheritance ( If any ) also to cover any compensation they pay out. Its either going to be funded by other policy holders or by the guy who caused the damage but I fail to see why MIBI can get away with getting their funding from both. Good system but would need a little tweaking..
I heard recently the MIBI is coming after the young driver for the monies they had to pay out, I also think that is wrong
the M.I.B.I. ( Uninsured Drivers of Ireland ).
We use cookies and similar technologies for the following purposes:
Do you accept cookies and these technologies?
We use cookies and similar technologies for the following purposes:
Do you accept cookies and these technologies?