-
Think you're misunderstanding. You can open a claim with the driver's insurance company directly without knowing their name or contact. You just need their policy number and the name of the insurance broker which you can get through the MIB lookup tool. Then just contact the insurance and open up a claim, provide incident details, evidence, witnesses etc and the insurance company will do their job (investigate and find fault).
I was at the raw end of a hit and run recently. Got the plates, ran the check and ended up ringing up the insurance company listed. Unfortunately the policy listed for the car was from a recent previous owner who could provide proof of sale, so it didnt go anywhere – but they were helpful / dilligent.
🅑🅐🅣🅣-
Ok that all makes sense, but I think the reason Leigh Day have been stumped so far is that the vehicle has multiple policies on it, and so far the driver is untraced. The work the Met are doing may turn up the driver, which would then determine the policy if they are insured.
I've done as you suggested and paid for the MIB search either way, so I can validate what I've been told so far by both the police and solicitors.
Brain-Stew
Thanks that's helpful info. If the driver is identified then I'd either look to claim against their insurance, or if not insured then switch the MIB claim to the "uninsured driver" which I think then covers property damage.
Would a compensation claim through the court acknowledge the potential PI/property claim already in motion, and be in addition to this? In my simplistic view there seem to be an overlap of potential coverage for the ultimate damage (my own insurance, driver's potential insurance, MIB, court compensation) and I'm not clear on the hierarchy of where the liability falls first