motorcar insurance

[wasp]

My girlfriend is comprehensively insured . On Saturday night she had parked her car in the street outside my house and was sideswiped. There was a burglary in a house up the road in which a car that had been stolen
crashed into several cars parked on the road . The police were called and incident numbers obtained from the police station . My question is what chance does my girlfriend's insurance co. have in obtaining damages from the driver of the stolen vehicle if the police apprehend him. If no money is recoverable we will finish up paying the excess on the claim

[paraffin]

Hi wasp,

First of all, sorry to hear this. From experience I'd say that even if the offending driver is identified, I'd suggest that there are all sorts of reasons why he may end up paying nothing, i.e. he has no insurance, the car was stolen etc etc.

A Court can order someone to pay but cannot compel them if they decide not to. You have the option of a private prosecution but that would cost your g/f, and again there is no guarantee of receiving any cash.

If the offending vehicle is identified, there is an organisation called the Motorists Insurance Bureau (MIB) which deals with
uninsured driver claims.

Your g/f's insurance co should be able to advise her further. Get her to make sure that they are liaising with the Police and make sure that they keep her informed.
Good luck.

[wasp]

Hello Parrafin. Many thanks for your very comprehensive response. Kindest Regards