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Thread: Insurance claim on uninsured car

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    Default Insurance claim on uninsured car

    How do I go about claiming against my neighbour for scraping my car and taking my wing mirror off. It's taxed on the drive but not insured, she just drove off and didn't notice. 78 she should have her licence if she can't hear a focus munching the door of a 3 series FFS!

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    just go to her door and say she hit it and she has to pay for the damage.

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    I've gone away, my mum is dealing with it she just gave my mum her insurance details after she collared her

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    Couldn't it go through the house insurance?

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    Quote Originally Posted by John H
    Couldn't it go through the house insurance?



    I wouldnt have thought so as it was her car that hit his BMW and not her house



    Sorry bud couldnt resist that one, but i wouldve thought their insurance company would try to dismiss the claim as your vehicle is not insured so they will try to wriggle out of it anyway they can!

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    Quote Originally Posted by Spudly
    I wouldnt have thought so as it was her car that hit his BMW and not her house



    Sorry bud couldnt resist that one, but i wouldve thought their insurance company would try to dismiss the claim as your vehicle is not insured so they will try to wriggle out of it anyway they can!
    same as burying your car in someone's wall though it's part of the claim for an accident, you don't need health insurance to claim for personal injury after an accident.

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    Quote Originally Posted by Spudly
    I wouldnt have thought so as it was her car that hit his BMW and not her house



    Sorry bud couldnt resist that one, but i wouldve thought their insurance company would try to dismiss the claim as your vehicle is not insured so they will try to wriggle out of it anyway they can!
    House insurance covers more than just the house.

    So if she'd knocked the fence down what'd happen then? Even if the car didn't have car insurance at the time, it's still someones property that she's damaged.

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    Senior User Spudly's Avatar
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    Aye i knows mate, we had an extension on our home policy to cover mobile phones, my dads camcorder and my mountain bikes when i was younger.


    I mean you will probably find the insurance co wont want to know as the lads car isnt insured, purely because they dont like having to part with their riches do they, fingers crossed it gets sorted but be prepared for a fight over it i would say!

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    I would've thought you'd have to go through small claims court? That's what a mate of mine had to do when claiming off an uninsured driver so can't see why this would be different?

    But as said, be prepared for a long battle.

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    Quote Originally Posted by John H
    House insurance covers more than just the house.

    So if she'd knocked the fence down what'd happen then? Even if the car didn't have car insurance at the time, it's still someones property that she's damaged.
    True, but not sure about car stuff. Well, none of my stuff got replaced when my parents garage went up. With my car, parts, tools etc all inside
    My Rebuild

    They're over there with their new toys. Someone brought them in. No idea who bought them though.....

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