Car damage

madocks · July 07, 2007, 01:22:14 AM

Tonight at midnight my car was written off. I was not in the car at the time and only have third part insurance. I do not have the legal cover.

Story.....

A chav, pissed up drove a jag into my car. My car has been written off and impounded as it is unsafe to leave in public.

I appreciate that my insurance wont cover the damages, but what about this chav?

Due to the secrecy act or something, the police wont tell me fek all.

I have no idea of his financial status.

I have no idea of his age.

I have no idea if the car was actually stolen or in fact the driver owned the jag.

Whats my options?

My car value is around a grand.

adam0r · July 07, 2007, 01:29:22 AM

Jonnyboy/Adam here.

Dude, get in touch with your local Citizens advice bureau, or get in touch with a local solicitor. Most of them offer the first 1/2 hour of consultation for free - But yeah, try the C.A.B first mate

madocks · July 07, 2007, 01:36:32 AM

Spoke to the police - it was a stolen car, and the guy was pissed as a fart.

madocks · July 07, 2007, 01:48:23 AM

Update, its £140 recovery fee

plus £12 a day storage.

shofty · July 07, 2007, 09:03:47 AM

insurance companies have a slush fund to pay for damages in incidents like this

however if you claim, youll lose your NCB.

Matt

Chris · July 07, 2007, 10:11:25 AM

sue the chav?

Criminal damage.

M3ta7h3ad · July 07, 2007, 10:57:30 AM

Chav should pay damages when it goes to court.

Failing that if they cant apprehend them then the courts have a fund that pays out compensation to folk whove been the victim of a crime.

Serious · July 07, 2007, 17:44:42 PM

Quote from: bytejunkieinsurance companies have a slush fund to pay for damages in incidents like this

however if you claim, youll lose your NCB.

Matt

Its called MIB

AFAIK a few companies allow you to keep your no claims. TBH it should be law that people who are hit by uninsured drivers keep their no claims status IMO.

I dont know enough about this and it might have changed...

/yahoos...

[edit]

http://www.mib.org.uk/Default.htm

QuoteAre there any special MIB rules about a claimants no-claim discount?

No. This is exclusively a matter between policy holders and their insurers.

However, insurers have agreed, in most cases, to allow the no claims discount where a claim on the MIB for uninsured losses has been met on a full liability basis.

http://www.mib.org.uk/MIB/en/AboutMIB/FAQ/FAQGFUKANYSPRULES.htm

Chances are you will have to pay £350 towards repair as this is the MIB limit.

[/edit]

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Car damage