Ask Honest John

Honest John Ask Honest John » My uninsured but SORN'd car was hit by an insured driver - can I claim to fix my car?

My uninsured but SORN'd car was hit by an insured driver - can I claim to fix my car?

I live in Saudi Arabia. My car has been SORN'd and parked off the road. Recently it was moved to gain access to a sewage drain on the driveway. The following day an insured driver hit my un-insured car on the road. The driver has claimed full responsibility and their insurance company has already written to me to fix my car. Can I make a claim to fix my car and am I responsible even though I live in a different country?

Asked on 28 March 2017 by Michael

Answered by Honest John
Yes you can claim, you are covered under the law of TORT, as the injured party it does not matter whether your vehicle was insured or not, or even road legal. Should the vehicle cost a "sum" of money to repair the damage caused, you are entitled to make a claim to recover this "financial" loss. Your entitlements under a third party fault claim are here . fenchurchlaw.co.uk/coles-v-hetherton-implications-.../

You can either deal with the third party insurance company directly, have a solicitor deal with it directly on your behalf, or go through an FCA regulated claims management company to arrange repairs and pursue your financial loss. Should you deal with the third party insurer directly, things may get resolved quicker, though should anything go wrong, you have no entitlement to arbitration through the Financial Ombudsman Service. Should you go through the other two options and something goes wrong, you have the entitlement to go through the Legal Ombudsman. This affords you better protection. And you are not responsible in any way.

We give you the low down on how to save on insurance, little-known tricks and tips, what insurance groups mean and how to use insurance aggregators to beat insurers.

Insurance group finder and how to save on insurance
Similar questions
My Ford Ka+ suffered a broken driver's door window nearly two weeks ago, presumably at the hands of vandals. My insurer uses AutoGlass to cover glass repair and replacement, but AutoGlass tell me they...
The insurance company of a friend refuses to pay out. She went into the back of another car on the motorway because she was not paying attention and admits fault due to her carelessness. As she had not...
My car was involved in an accident last week. It was being driven by a valet parking driver (driving towards Gatwick to meet us at the airport). My car has been written off and two other cars have been...