My sports car be hit outside my house phoned insurance but my policy have be stopped what can i do.?
car was hit by boy who stole his mums vehicle and then crashed into mine. When i phoned the insurance they said my policy had be cancelled as they could not take my direct debit. They said they had wrote to me but i never received anything, i own tried to pay the back settle up but they are having none of it. Is there any article i can do? This is so annoying as i was in bed at the time and never did anything wrong it is in a minute costing me a small fortune.
Answers:
As far as the damage to your saloon goes, it doesn't matter that you weren't insured. You sue the being whose fault it was.
Did you file a police report? If you konw who it is, THEIR insurance (if they had any) would be paying.
What be the problem with your debit? Was it NSF?? If it was guard error, your bank would be liable...but if the money wasn't there, its your responsibility, regardless of whether or not you received notice.
Your policy or non policy has nought to do with it. The boy was driving his mom's saloon and hit your car. Since the car belongs to mom, afterwards she has to pay for damages.
Well its adjectives going to depend on your state..insurance varies per state..but did you file a police report?? File the claim through his mom's insurance. It will be harder to do but they are liable regardless if you are insured or not. What your insurance company would do is cover your damages and pursue his mother's insurance company (or her intuitively if she were uninsured) to recover their losses and your deductible if you have one. But I would also definetely try to find out why your insurance lapsed and how long has it been within that status. Make a police report and speak to the mom!! Call her insurance and put a claim in!! You can do that! Good luck it happened to me beside a drunk driver..and I tracked him down myself and he was so scarred his company contacted me and fixed the damages. Source(s): Licensed contained by Property & Casualty, Heath & Life in Illinois.
Sorry Pal! Amanda H is wrong.
Ordinarily, you would claim against the other vehicles insurers, or if that be un insured, then you'd make a claim against the MIB (Motor Insurers Bureau).
However as you be uninsured you shouldn't have been doing a tour., so your claim will not be accepted.
If you have reported this to the police, you could procure a ticket for keeping an unisured vehicle on the road!
No sympathy from me either! Your Insurance company would enjoy sent the letter of cancellation by record delivery. Also, do you not check your bank statements to ensure the payments be being taken out? Eh? No, thought not.
Your fault buddy, pay up and suffer!
The boy's mother have insurance. Her insurance company should pay. Her car is insured. Her son be driving it. She should pay one way or another. Was the son charged ? Get the newspaper work on that from the police.
You should get insurance again for yourself in any travel case, but not with that last company that agree to you down.
There is nothing you can do....except....contact the insurance company who the boys parents have because they are legitimately responsible whether he took the car with or in need their permission if he lives with them and is a dependant of theirs...
very soon on the other hand if he is a grown man on crack or something and just stealing his parents sports car....if they filed a police report against their son and press charges they are no longer responsible and you are stuck with the bill and if you want your money hindmost you will have to file a lawsuit against the driver ........
but if they do not do this next it is considered a lending loss (even though he took car lacking permission) because they refuse to file charges on their son and their insurance company is required to pay envelope...as long as they have insurance...
Your insurance company will not pay because they did not return with paid and unless you can prove they took the money out of your account you are out of luck here....
Good Luck to U! Source(s): Lic Ins Rep
There's two things here.
First, the wound is down to the offender, it matters not whether it be a parked car he hit or a garden wall. Go see a solicitor, they normally make available the first interview free, to find out how you claim off him.
Secondly, your insurers will not be interested. They're used to the ploy "I didn't get the letter"; it's your duty to ensure the premiums are paid.
I wouldn't make too much of a fuss near the police, though, or you may find yourself being charged with have your car on the highway while uninsured.
Well.. thats the price you have to pay for person irresponsible and not making sure your payment came out monthly...im sure they will be thrilled to send you a copy of the letter you get in the mail.
As the driver of the uninsured vehicle is known you will know how to make a claim from the Motor Insurance Bureau (MIB) under their Uninsured Drivers Scheme. in attendance is an excess - lb600 I think. Contact the CAB or have a word beside your insurance broker (you don't have one?). You will probably find that the insurer of the mother's car will be required to matter with the claim as 'insurer concerned'.
With regards to the insurance situation. The insurance company own to send a letter by record delivery to your last specified address to cancel the policy (usually - see your policy wording for details). Ask them for the letter - if they can't show it to you after they did not send it. If they have not obey their cancellation procedures then the policy can't be cancelled.
If you perceive you have not been treated duly then you can raise a complaint against the insurer - they own to investigate in a fixed timescale - full details of the complaints procedure are in the policy document and the status disclosure document you be given in good time previously you took out the policy. If still not happy details of how to complain to the FOS will be provided by the insurer in their final reply.
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Answers:
As far as the damage to your saloon goes, it doesn't matter that you weren't insured. You sue the being whose fault it was.
Did you file a police report? If you konw who it is, THEIR insurance (if they had any) would be paying.
What be the problem with your debit? Was it NSF?? If it was guard error, your bank would be liable...but if the money wasn't there, its your responsibility, regardless of whether or not you received notice.
Your policy or non policy has nought to do with it. The boy was driving his mom's saloon and hit your car. Since the car belongs to mom, afterwards she has to pay for damages.
Well its adjectives going to depend on your state..insurance varies per state..but did you file a police report?? File the claim through his mom's insurance. It will be harder to do but they are liable regardless if you are insured or not. What your insurance company would do is cover your damages and pursue his mother's insurance company (or her intuitively if she were uninsured) to recover their losses and your deductible if you have one. But I would also definetely try to find out why your insurance lapsed and how long has it been within that status. Make a police report and speak to the mom!! Call her insurance and put a claim in!! You can do that! Good luck it happened to me beside a drunk driver..and I tracked him down myself and he was so scarred his company contacted me and fixed the damages. Source(s): Licensed contained by Property & Casualty, Heath & Life in Illinois.
Sorry Pal! Amanda H is wrong.
Ordinarily, you would claim against the other vehicles insurers, or if that be un insured, then you'd make a claim against the MIB (Motor Insurers Bureau).
However as you be uninsured you shouldn't have been doing a tour., so your claim will not be accepted.
If you have reported this to the police, you could procure a ticket for keeping an unisured vehicle on the road!
No sympathy from me either! Your Insurance company would enjoy sent the letter of cancellation by record delivery. Also, do you not check your bank statements to ensure the payments be being taken out? Eh? No, thought not.
Your fault buddy, pay up and suffer!
The boy's mother have insurance. Her insurance company should pay. Her car is insured. Her son be driving it. She should pay one way or another. Was the son charged ? Get the newspaper work on that from the police.
You should get insurance again for yourself in any travel case, but not with that last company that agree to you down.
There is nothing you can do....except....contact the insurance company who the boys parents have because they are legitimately responsible whether he took the car with or in need their permission if he lives with them and is a dependant of theirs...
very soon on the other hand if he is a grown man on crack or something and just stealing his parents sports car....if they filed a police report against their son and press charges they are no longer responsible and you are stuck with the bill and if you want your money hindmost you will have to file a lawsuit against the driver ........
but if they do not do this next it is considered a lending loss (even though he took car lacking permission) because they refuse to file charges on their son and their insurance company is required to pay envelope...as long as they have insurance...
Your insurance company will not pay because they did not return with paid and unless you can prove they took the money out of your account you are out of luck here....
Good Luck to U! Source(s): Lic Ins Rep
There's two things here.
First, the wound is down to the offender, it matters not whether it be a parked car he hit or a garden wall. Go see a solicitor, they normally make available the first interview free, to find out how you claim off him.
Secondly, your insurers will not be interested. They're used to the ploy "I didn't get the letter"; it's your duty to ensure the premiums are paid.
I wouldn't make too much of a fuss near the police, though, or you may find yourself being charged with have your car on the highway while uninsured.
Well.. thats the price you have to pay for person irresponsible and not making sure your payment came out monthly...im sure they will be thrilled to send you a copy of the letter you get in the mail.
As the driver of the uninsured vehicle is known you will know how to make a claim from the Motor Insurance Bureau (MIB) under their Uninsured Drivers Scheme. in attendance is an excess - lb600 I think. Contact the CAB or have a word beside your insurance broker (you don't have one?). You will probably find that the insurer of the mother's car will be required to matter with the claim as 'insurer concerned'.
With regards to the insurance situation. The insurance company own to send a letter by record delivery to your last specified address to cancel the policy (usually - see your policy wording for details). Ask them for the letter - if they can't show it to you after they did not send it. If they have not obey their cancellation procedures then the policy can't be cancelled.
If you perceive you have not been treated duly then you can raise a complaint against the insurer - they own to investigate in a fixed timescale - full details of the complaints procedure are in the policy document and the status disclosure document you be given in good time previously you took out the policy. If still not happy details of how to complain to the FOS will be provided by the insurer in their final reply.
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