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Advice please

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  • 16-11-2008 9:26am
    #1
    rotinaj
    Registered Users Posts: 831 ✭✭✭


    The brother was in a crash last night. Some guy broke a redlight, hit him and took off again. There is not much damage and noone was injured. The guards said they would keep an eye out for the other car but not to hold his breath.

    Now for my questions. I know there is a fund that insurance companies pay into for this type of thing, but a) How do you make a claim and b) Is it difficult?

    Thanks


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    #2
    Stufinnegan
    Registered Users Posts: 71 ✭✭Stufinnegan


    There is a fund called the MIBI which all insurance companies have to pay into. I myself was hit by an uninsured driver and had the cost of repairs minus the excess payed by this fund. Get your brother to contact his insurance company, they will pay for any damage and claim back from the MIBI. If succesful, it shouldn't affect his no claims. For the MIBI to pay out, you need a Garda report.


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    #3
    rotinaj
    Registered Users Posts: 831 ✭✭✭rotinaj


    Thanks. Just out of interest how long did your claim take to be processed? Also since the other driver failed to stop will this be an issue as we dont know if he had insurance or not


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    #4
    Stufinnegan
    Registered Users Posts: 71 ✭✭Stufinnegan


    The whole process was very quick, about two weeks if I remember, but this was because the Garda got the report into their system fairly fast. I don't see there being an issue with a hit and run aslong as the Garda see it that way....did your brother have any witnesses? this would help.


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    #5
    rotinaj
    Registered Users Posts: 831 ✭✭✭rotinaj


    Update: So he phoned MIBI today and they are refusing to deal with it as we dont have the reg number of the other. There are 9 witnesses and the guards agree that its a hit and run.


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    #6
    mikemac
    Closed Accounts Posts: 19,986 ✭✭✭✭mikemac


    d3mon24 wrote: »
    Update: So he phoned MIBI today and they are refusing to deal with it as we dont have the reg number of the other.

    If the other car isn't identified the MIBI will cover injury claims but they will not cover damage to your car.

    It cuts out abuse.
    Otherwise I could crash my car, claim another driver ran me off the road and ask the MIBI to sort out the claim, preserving my NCB.


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    #7
    rotinaj
    Registered Users Posts: 831 ✭✭✭rotinaj


    micmclo wrote: »
    If the other car isn't identified the MIBI will cover injury claims but they will not cover damage to your car.

    It cuts out abuse.
    Otherwise I could crash my car, claim another driver ran me off the road and ask the MIBI to sort out the claim, preserving my NCB.

    I understand that but there are 9 witnesess. Just got a call from a petrol station in the area. They picked up the crash on CCTV but no reg because of the angle of the camera. Anyone think this will help?


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    #8
    mvpr
    Closed Accounts Posts: 295 ✭✭mvpr


    The MIBI may be seen as the last resort for getting your money back. They will make sure you have exhausted all other angles first.

    In your case though, once you can get your hands on a copy of the Garda report, your insurance company should take care of things.


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    #9
    rotinaj
    Registered Users Posts: 831 ✭✭✭rotinaj


    mvpr wrote: »
    The MIBI may be seen as the last resort for getting your money back. They will make sure you have exhausted all other angles first.

    In your case though, once you can get your hands on a copy of the Garda report, your insurance company should take care of things.


    He only has 3rd party so Quinn said its nothing to do with them.

    Gonna drive around to look for the other car tomorrow.


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