uninsured driver insurance claim....
30-01-2016, 04:44 PM
#1
14000+ post superhero
Thread Starter
uninsured driver insurance claim....
....some little greasy fuckers just crashed into my merc about an hour ago outside my house and drove away. broke the back light and split the bumper but no panel damage. a neighbour seen it and got part of his number plate and my contacts have got me his name and address but unfortunately ive found out hes a little junky fucker with no licence or insurance. hes not at his house or hes not answering the door and his car isn't there either.
how does it work when uninsured drivers hit you these days? am I best to claim on mine and they'll persue him for costs? or will my premium go up because ive claimed? isn't their an uninsured drivers fund or something for accidents like these?
checking online now I can get a back light for £40 and a bumper for about the same plus painting it or would i be better to just fix it myself then burn his car out in retaliation?
id need to lay low for a while though as the police are coming around to see me about it and I don't want to end up getting charged!
how does it work when uninsured drivers hit you these days? am I best to claim on mine and they'll persue him for costs? or will my premium go up because ive claimed? isn't their an uninsured drivers fund or something for accidents like these?
checking online now I can get a back light for £40 and a bumper for about the same plus painting it or would i be better to just fix it myself then burn his car out in retaliation?
id need to lay low for a while though as the police are coming around to see me about it and I don't want to end up getting charged!
30-01-2016, 05:01 PM
#5
burnzy
You'll pay more in increased insurance than to just fix it yourself, dont even mention it to your insurers as they'll mark it down under some shit like a claim (can't remember exact wording 
) and you'll be worse off than claiming, you can't even ask them for advice as it'll go against you 
) and you'll be worse off than claiming, you can't even ask them for advice as it'll go against you
30-01-2016, 05:02 PM
#6
14000+ post superhero
Thread Starter
yeah, in my youth id have went through his door regardless of whether he answered the door or not with my right hand man and a baseball bat but im older and wiser now and I prefer to live a quiet life. Ive always promised myself I wouldn't let my kids see the old me or see me in trouble with the police as I never want them to be like me!
30-01-2016, 05:04 PM
#7
14000+ post superhero
Thread Starter
hes a little junky fucker on benefits in a private let house so hes got fuck all and wont be giving a fuck about charges either.
Trending Topics
30-01-2016, 05:05 PM
#8
You'll pay more in increased insurance than to just fix it yourself, dont even mention it to your insurers as they'll mark it down under some shit like a claim (can't remember exact wording ) and you'll be worse off than claiming, you can't even ask them for advice as it'll go against you
) and you'll be worse off than claiming, you can't even ask them for advice as it'll go against you 
i can't see the law being that much help either tbh
30-01-2016, 05:05 PM
#9
Advanced PassionFord User
Depending on your insurer your premium is likely to go up as you will be seen as a higher risk, so I'd be wary of reporting it or telling your insurance about it. if the cost to repair isn't too much just do it yourself
30-01-2016, 05:42 PM
#10
Under the car...!
Maybe see how all his tyres myseteriously got slashed and then fix it yourself mate. Would be a massive increase in insurance.... I've been there. As a result I lost all my no claims too and then got reamed for insurance. Ended up having to have specialist or classic policies.
30-01-2016, 07:53 PM
#11
If its going to cost less than your excess to fix, then i guess its a diy job.
Then find the cunt, stick him in the boot of his car, then set fire to it.
My 3dr got wrote off in 2010 buy an uninsured pikey, that was a fucking ballache to get sorted and took 10 months to claim off my insurance and then a further 2 years for the whiplash claim.
They were well know to the rozzers too, and just denied it. So got let off.
But the insurance company were a fucking joke too - HIC, part of the flux group i think. So in future if i ever own a modified car again i will try my best to avoid any of flux affiliate insurance companies.
Then find the cunt, stick him in the boot of his car, then set fire to it.
My 3dr got wrote off in 2010 buy an uninsured pikey, that was a fucking ballache to get sorted and took 10 months to claim off my insurance and then a further 2 years for the whiplash claim.
They were well know to the rozzers too, and just denied it. So got let off.
But the insurance company were a fucking joke too - HIC, part of the flux group i think. So in future if i ever own a modified car again i will try my best to avoid any of flux affiliate insurance companies.
31-01-2016, 08:26 AM
#14
Professional Waffler
The police know they often aren't insured. They make a nuisance of themselves everywhere they go why don't/won't the police stop and seize their vehicles on sight.
31-01-2016, 10:52 AM
#15
Regular Contributor
You can claim through the Motorist Insurance Burea its what the insurance companies pay into for claims with uninsured drivers, if you have fully comp insurance they tell you to claim on your insurance and then claim back you excess through them your insurance company will then restore your no claims, just having to do this for the wife after a kid on a stolen dirt bike crashed into her.
31-01-2016, 11:37 AM
#16
Advanced PassionFord User
You can claim through the Motorist Insurance Burea its what the insurance companies pay into for claims with uninsured drivers, if you have fully comp insurance they tell you to claim on your insurance and then claim back you excess through them your insurance company will then restore your no claims, just having to do this for the wife after a kid on a stolen dirt bike crashed into her.
31-01-2016, 12:12 PM
#17
You couldn't make it up.The police are either incapable or refuse to tackle them. In fudgeys case there must have been plenty of evidence on said pikeys vehicle to match up. Not forgetting IIRC you chased him and the driver then assaulted you yet still the police did nothing.
31-01-2016, 12:56 PM
#19
I've found that life I needed.. It's HERE!!
You may be able to pursue him for costs, but if you send the bailiffs in to recover goods to the cost, if he's living in someone else's house, and he's not nothing worth taking, then you'll end up with nowt.
Went down that route years ago when some arsehole hit my Capri on his motorbike.
Best to take it on the chin, and repair it yourself. As has already been said, there's no point claiming on your insurance as you'll be paying for it for years to come.
Went down that route years ago when some arsehole hit my Capri on his motorbike.
Best to take it on the chin, and repair it yourself. As has already been said, there's no point claiming on your insurance as you'll be paying for it for years to come.
31-01-2016, 02:44 PM
#21
If its going to cost less than your excess to fix, then i guess its a diy job.
Then find the cunt, stick him in the boot of his car, then set fire to it.
My 3dr got wrote off in 2010 buy an uninsured pikey, that was a fucking ballache to get sorted and took 10 months to claim off my insurance and then a further 2 years for the whiplash claim.
They were well know to the rozzers too, and just denied it. So got let off.
But the insurance company were a fucking joke too - HIC, part of the flux group i think. So in future if i ever own a modified car again i will try my best to avoid any of flux affiliate insurance companies.
Then find the cunt, stick him in the boot of his car, then set fire to it.
My 3dr got wrote off in 2010 buy an uninsured pikey, that was a fucking ballache to get sorted and took 10 months to claim off my insurance and then a further 2 years for the whiplash claim.
They were well know to the rozzers too, and just denied it. So got let off.
But the insurance company were a fucking joke too - HIC, part of the flux group i think. So in future if i ever own a modified car again i will try my best to avoid any of flux affiliate insurance companies.
I'm really sorry you had issues with ourselves. Can I ask what they were?
Regards,
Dan.
31-01-2016, 03:37 PM
#22
14000+ post superhero
Thread Starter
I have 0 no claims anyway as ive had a company car for the last few years so im not fussed about losing that.
I realise the police will do fuck all. looks like ill repair myself and his car might catch fire in a few months time.
trouble is finding a new bumper, the AMG bumpers different from standard and theres less than 200 of these A210's left. I can get a new light for £40 so that's no problem.
ill just add ive alsio had nothing but problems with Adrian flux over the years from being left stranded in the middle of no where at the side of the road after a no fault accident with a truck and getting no help and being told to sort out my own recovery to them shafting me when I thought id bought an agreed value policy and another time cancelling my policy because they claimed I wasn't a uk resident because I was working in Holland for a uk company paying uk tax and still having my house and car in the uk. they obviously have a different take on uk residency than the inland revenue!
I realise the police will do fuck all. looks like ill repair myself and his car might catch fire in a few months time.
trouble is finding a new bumper, the AMG bumpers different from standard and theres less than 200 of these A210's left. I can get a new light for £40 so that's no problem.
ill just add ive alsio had nothing but problems with Adrian flux over the years from being left stranded in the middle of no where at the side of the road after a no fault accident with a truck and getting no help and being told to sort out my own recovery to them shafting me when I thought id bought an agreed value policy and another time cancelling my policy because they claimed I wasn't a uk resident because I was working in Holland for a uk company paying uk tax and still having my house and car in the uk. they obviously have a different take on uk residency than the inland revenue!
Last edited by fuzzy; 31-01-2016 at 05:30 PM.
31-01-2016, 05:28 PM
#23
Advanced PassionFord User
Let me know when the bonfire is and I will bring the marshmallows. Is the number totally fooked or can it be repaired. If it can be repaired pop over to see Gibby in harthill and he will sort it out for you b
31-01-2016, 06:25 PM
#24
Gypsies and Irish Travellers are legally recognised as ethnic groups, and protected from discrimination by the Race Relations Act (1976, amended 2000) and the Human Rights Act (1998). In terms of health and education, they are one of the most deprived groups in Britain.
There was a landmark ruling when a load of pikeys had a pub chain prosecuted in 2000 for not serving them. THen the race relations act was updated to specifically include them.
31-01-2016, 06:50 PM
#25
PassionFord Post Whore!!
I have 0 no claims anyway as ive had a company car for the last few years so im not fussed about losing that.
I realise the police will do fuck all. looks like ill repair myself and his car might catch fire in a few months time.
trouble is finding a new bumper, the AMG bumpers different from standard and theres less than 200 of these A210's left. I can get a new light for £40 so that's no problem.
ill just add ive alsio had nothing but problems with Adrian flux over the years from being left stranded in the middle of no where at the side of the road after a no fault accident with a truck and getting no help and being told to sort out my own recovery to them shafting me when I thought id bought an agreed value policy and another time cancelling my policy because they claimed I wasn't a uk resident because I was working in Holland for a uk company paying uk tax and still having my house and car in the uk. they obviously have a different take on uk residency than the inland revenue!
I realise the police will do fuck all. looks like ill repair myself and his car might catch fire in a few months time.
trouble is finding a new bumper, the AMG bumpers different from standard and theres less than 200 of these A210's left. I can get a new light for £40 so that's no problem.
ill just add ive alsio had nothing but problems with Adrian flux over the years from being left stranded in the middle of no where at the side of the road after a no fault accident with a truck and getting no help and being told to sort out my own recovery to them shafting me when I thought id bought an agreed value policy and another time cancelling my policy because they claimed I wasn't a uk resident because I was working in Holland for a uk company paying uk tax and still having my house and car in the uk. they obviously have a different take on uk residency than the inland revenue!
31-01-2016, 07:21 PM
#26
Incompetence mostly.
I was insured with HIC, not flux directly.
One thing i remember the claims advisor i spoke to asking was, was the car drivable, it had a fuel cell in the boot and the car ended up a foot shorter that it should have been, the fuel line was crushed so it was gushing petrol out everywhere. But all it needed was the hose cutting off and refitting, then yes technically the car was drivable. I said i could make it drivable if needed to load onto a trailer etc, so that was taken as i had fixed the car it later transpired.
Also when the claim assessor came round sent by HIC he was a total knob.
I had an agreed valuation for 10k as thats all they would insure the car for even tho it had 35k in it. So he says well its a B reg Sierra, so i doubt you will get more than £500 for it. I pointed out i wasnt paying the premium for a £500 Sierra and he knew that it wasnt standard and highly modified etc.
There were several other things too, but i cant remember right now.
Needless to say, piss poor service and as stated, ill try everything i can not to pay these jokers any more money. I have been insured with Adrian Flux in the past and spent several thousands of pounds between them and HIC for approx 10 years but up until then never had to claim.
Last edited by Fudgey; 31-01-2016 at 07:23 PM.
01-02-2016, 06:22 PM
#28
Ben
Any claim boosts your premium these days, regardless of situation.
Duct tape, tied, driven a long way from home and left there.
Duct tape, tied, driven a long way from home and left there.
01-02-2016, 06:40 PM
#29
14000+ post superhero
Thread Starter
£700 + vat for a new bumper from Mercedes....but on the brightside it is prefinished as they only come in 2 colours....
death by heroin injection overdose is just another dead junky the coppers wont care about.
death by heroin injection overdose is just another dead junky the coppers wont care about.
05-02-2016, 05:57 PM
#32
14000+ post superhero
Thread Starter
what an easy car to work on , changed the back light and bumper in half an hour. I cant get hold of an AMG bumper so ive got one from a big bumper version in the right colour to do me just now.
its made from a flexible moulded plastic, I reckon I can repair the original. who can advise me on the best stuff to use to hold together the splits in the plastic so I can fill and paint it?
its made from a flexible moulded plastic, I reckon I can repair the original. who can advise me on the best stuff to use to hold together the splits in the plastic so I can fill and paint it?
05-02-2016, 07:18 PM
#33
what an easy car to work on , changed the back light and bumper in half an hour. I cant get hold of an AMG bumper so ive got one from a big bumper version in the right colour to do me just now.
its made from a flexible moulded plastic, I reckon I can repair the original. who can advise me on the best stuff to use to hold together the splits in the plastic so I can fill and paint it?
its made from a flexible moulded plastic, I reckon I can repair the original. who can advise me on the best stuff to use to hold together the splits in the plastic so I can fill and paint it?
05-02-2016, 07:32 PM
#34
14000+ post superhero
Thread Starter
I used to do a lot of fibreglass moulding and painting many years ago when I restored old unusual cars that stuff couldn't be bought off the shelf for but I imagine the type of materials to use have changed greatly over the years. im surprised at how well this modern plastic with a 3" strip of foam behind it absorbs impact. the car jumped 2 feet when it was hit and its just surface damage. nothings bent underneath.
Thread
Thread Starter
Forum
Replies
Last Post