We have the registration number. There wasn't an insurance disc on the car, the driver was asked to present his licence at the police station. I checked the reg number on motortax.ie (vehicle transaction check) and it is down as Make/Model Unknown and changed hands about a month ago. I forgot we had an the MIBI. We'll get on the garda who was at the scene for starters...
As far as I know there is a fund which covers accidents caused by uninsured drivers.
This would only apply ifContact you own insurance company immediately [...] This wont affect your premiums and is part of what you pay them for.
This would only apply if
a) you have comprehensive insurance, and
b) you have no claims protection.
If you don't have fully comp, you are not covered for damage to your own vehicle, regardless of cause. If you don't have no claims protection, then any claim will affect your 'no claims bonus' regardless of cause.
In this particular case, it sounds very like the guy had no insurance.
Yes, it would be affected. It's a no claim bonus, not a no blame bonus. If you or someone else claims against your policy, you lose the bonus (unless you have bonus protection).
If you have comprehensive insurance but no no claim protection then you're involved into an accident which is not your fault, would your no claim bonus be affected still ???
Thats not true. I did not say claim from your insurance. I said to registered the accident with your company, Give them what details you have and let them go to work to get something from this guy. If you have any policy and had an accident thats not your fault you are entitled to try for recourse through your own insurance company - Thats what you pay them for regardless of policy type. The insurance company will advise you of your options as you go. It's only if you decide to claim against your own insurance that you lose any NCB. If you dont claim from your own insurance company, they will not view you any differently than before. However it's important they are informed in case this becomes a legal issue down the road. You did nothing wrong here and have nothing to fear by doing the right thing.
Third Party Only Insurance - Insurance is the bare minimum level of cover of car insurance required in Ireland. This cover essentially protects third parties (pedestrians or drivers) so they do not lose out financially should you injure them, or cause damage to their vehicle (not your own car). Essentially third party protection covers you for:
• Liability for injuring other people (including your passengers)
• Liability for damage to property (not your own)
• Liability arising from using a caravan / trailer, while attached to your car
• Liability of passengers for accidents caused by them
Fully Comprehensive - Comprehensive cover gives you full risks cover for your car. In simple terms, it means that you can claim for any damage caused to your vehicle by any means, apart from exclusions that can be found in the small print. In addition to allowing you to claim for the damage caused to your car in an accident, with comprehensive car insurance cover, you can also claim for acts of vandalism, theft, or any other accidental damage to your car.
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