What To Do If Their Insurer Won’t Pay
If the other insurer refuses to pay, here is what you can do:
1. Speak To Your Own Insurance Provider
Even if the crash wasn’t your fault, your insurer can often handle the claim and then recover costs from the other driver’s insurer.
2. Gather All The Evidence You Can
Photos, dashcam footage, witness statements, and police reports can all strengthen your case and pressure the third-party insurer to pay up.
3. Use The Motor Insurers’ Bureau (MIB)
If the driver was uninsured or fled the scene, you can make a claim through the MIB, which is designed to help victims of uninsured or untraceable drivers.
4. Consider Legal Cover
If you have legal expenses insurance (often included in comprehensive policies), your insurer may help you challenge a denied claim – sometimes even covering legal costs.
Can I Still Claim On My Own Policy?
Yes, but there are a few things to keep in mind:
- You may have to pay your excess
- Your no claims bonus could be affected unless it’s protected
- Your insurer may still recover costs from the other party later
If you’re reviewing your current policy or want better legal protection in future, you can compare car insurance with legal cover to stay better protected.
Report it to the police. If they’re untraceable or uninsured, claim through the MIB.
Yes, especially if you have legal cover, but it’s often a last resort.
Not always. It depends on whether your insurer can recover the costs successfully.
Usually within 3 years for personal injury, or as soon as possible for vehicle damage.
