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Accident Insurance - who pays ?

Community Veteran
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Registered: 06-11-2007

Accident Insurance - who pays ?

Been watching cops and robbers progs late at night, on C11 Pick tv.... just wondered who pays for the damage to "innocent" motorists cars, when the bad boy careers round a corner and side swipes a legally parked vehicle in a side street.... or causes similar damage while trying to escape from the police, during a persuit?
Obviously if you have fully comp, you get your insurer to pay for the repairs, and then...... ?  you get an increased premium for claiming ?
or do they try to recover the cost from the villain, who has nicked the car he was driving and because of that, he is not insured.... ?
not happened to me.... but just wondered... Undecided
9 REPLIES
Community Veteran
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Re: Accident Insurance - who pays ?

Always thought it was the police that paid if it is a Chase, if just a chav racing then your Premiums go up :/
Unvalued customer since 2001 funding cheap internet for others / DSL/Fibre house move 24 month regrade from 8th May 2017
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Re: Accident Insurance - who pays ?

MIB - Motor Insurance Beureau. They have an uninsured driver cover scheme that you can claim from.
I need a new signature... i'm bored of the old one!
Community Veteran
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Re: Accident Insurance - who pays ?

I think that whether you claimed on your insurance or not that you are supposed to notify your insurer of ANY incident, otherwise any future claim may be invalid as you haven't presented all the facts on which they assess your risk.
From then on because you have an incident on your insurance record, you will be considered at higher risk and therefore your premiums will increase, but it should not affect the no claims bonus status if you didn't make a claim against you policy.
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Re: Accident Insurance - who pays ?

Quote from: purleigh

From then on because you have an incident on your insurance record, you will be considered at higher risk and therefore your premiums will increase,

 
which is not "fair" .. Cry  if the villains are tearing around the streets at 2 am and your car is neatly parked in a line with everyone else..... hardly a "risk" to other traffic , yet you get penalized 
Community Veteran
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Re: Accident Insurance - who pays ?

Is that any different from having to claim on your insurance to have your car resprayed because some git has walked down your street and scratched all the cars from end to end with a bunch of keys ?
Not only do you claim on your insurance, which means your future premiums will rise, but you will have to pay the 'excess' fee and have the inconvenience of making other travel arrangements while your car is repaired.
In addition, because the whole street will claim, then the risk factor for your postcode will also rise, so your premiums rise even further !  Angry
Community Veteran
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Re: Accident Insurance - who pays ?

Quote from: shutter

which is not "fair" .. Cry  if the villains are tearing around the streets at 2 am and your car is neatly parked in a line with everyone else..... hardly a "risk" to other traffic , yet you get penalized 

But how else can it be done?  If the offender is even caught there is a high chance that he won't be insured or have any way of paying.
nadger
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Re: Accident Insurance - who pays ?

Having watched those programmes one wonders if you'd actually want your car back after the police chase and inevitable car crash.
pierre_pierre
Grafter
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Registered: 30-07-2007

Re: Accident Insurance - who pays ?

did you see this one?

Greater Manchester Police officer writes off £33,000 car
A police force has said it is considering changes to its driving policy after an officer wrote off an unmarked car during a test drive.
The Greater Manchester Police officer crashed the £33,000 VW Golf R on Wharfside Way, Old Trafford, at about 01:50 GMT on 15 December.
Quote
Police crash driver was TV star
(UKPA) – 39 minutes ago
A police officer who wrecked a £40,000 supercar on a test drive had featured in a TV show on police pursuit chases.
Pc Paul Fletcher starred in BBC1's Car Wars which tracked Greater Manchester Police's team of high-speed pursuit officers as they chased down criminals.
He gained such popularity that a Facebook group named The Paul Fletcher Appreciation Society was set up in his honour.
The top of the range Volkswagen Golf R, which has a 155mph top speed, was written off when the officer, in his 40s, lost control on a roundabout in Old Trafford, Manchester, and reduced the pristine vehicle to a crumpled heap.
Community Veteran
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Re: Accident Insurance - who pays ?

Accident,Who pays.
The simple answer is anyone who drives a car apart from those who drive without insurance.
Where does the money come from for the MIB, it comes from all those drivers who pay car insurance.
Bit unfair to just pick on some uninsured youth who is probably not to bright as the others making a mint out car accidents are the solicitors, break down companies, Police and even the insurance companies themselves.