Hit by uninsured driver, what to do?

Discussion in 'Insurance not covered in other forums' started by Andarma, Nov 17, 2016.

  1. Andarma

    Andarma Frequent Poster

    Posts:
    70
    i was involved in an accident this evening with an uninsured driver. They admitted liability to the Gardai. Some damage to my car, hard to estimate how much it will cost to fix but I'd estimate about €1k. I have comprehensive insurance with protected NCB that I paid extra for. I'm worried about the effect of claiming on future premiums. Does anyone have any advice? Should I get an estimate from a garage before contacting my insurance company?
     
  2. Ravima

    Ravima Frequent Poster

    Posts:
    2,170
    Under MIBI rules, you MUST claim from your own insurers. They in turn will NOT affect your NCB, as long as the uninsured driver is fully responsible. Now it is possible that the uninsured driver will pay himself/herself.

    if you do claim from your own insurers, then you can claim the policy excess; depreciation; car hire etc from MIBI
     
  3. Andarma

    Andarma Frequent Poster

    Posts:
    70
    Thanks for the reply. So bloody annoying having to sort this out.