Accident with Uninsured Driver

dyllindd

Well-Known Member
Joined
Nov 9, 2012
Messages
217
My mother was recently involved in an accident whereby a lady drove into the back of my mother's vehicle. When exchanging details it was found that the lady does not have car insurance. So how does this get handled in terms of compensation?

My mother's vehicle is a 2016 Mercedes Benz GLC 220d so suffice to say repair costs are going the be quite significant. Only reason we are seeking advice is because of the R10000 excess on the policy that needs to be paid and even though insurance companies state that they try and recover your excess, they hardly ever do.

Thanks guys. Your advice is much appreciated.
 

Sinbad

Honorary Master
Joined
Jun 5, 2006
Messages
75,289
My mother was recently involved in an accident whereby a lady drove into the back of my mother's vehicle. When exchanging details it was found that the lady does not have car insurance. So how does this get handled in terms of compensation?

My mother's vehicle is a 2016 Mercedes Benz GLC 220d so suffice to say repair costs are going the be quite significant. Only reason we are seeking advice is because of the R10000 excess on the policy that needs to be paid and even though insurance companies state that they try and recover your excess, they hardly ever do.

Thanks guys. Your advice is much appreciated.

Let your insurer deal with it. Prepare to write off the excess. Then revisit your policies to have a more reasonable excess, for example, mine is zero.
 

Gazzacpt

Active Member
Joined
Jul 22, 2015
Messages
72
Mt insurer only pays back the excess if they manage to recover the repair cost. Thats how my broker explained it. So the company will try and claim the expense from the uninsured party if they are at fault. In my experience kiss the excess goodbye. That is a a whack of an excess by the way. Did you opt for it to be so high to bring the monthly payment down?
 

SauRoNZA

Honorary Master
Joined
Jul 6, 2010
Messages
38,903
Hand if over to insurance.

And next time think on this situation before accepting a R10k excess.
 

HibiscusTunes

Expert Member
Joined
May 13, 2008
Messages
1,518
I would expect that high excess to be on a car of 1mil+. But yeah, you can writeoff that excess.
 

dyllindd

Well-Known Member
Joined
Nov 9, 2012
Messages
217
Thanks guys. Excess amount wasn't my idea. I didn't handle the insurance application.
 

Pitbull

Verboten
Joined
Apr 8, 2006
Messages
63,325
My mother was recently involved in an accident whereby a lady drove into the back of my mother's vehicle. When exchanging details it was found that the lady does not have car insurance. So how does this get handled in terms of compensation?

My mother's vehicle is a 2016 Mercedes Benz GLC 220d so suffice to say repair costs are going the be quite significant. Only reason we are seeking advice is because of the R10000 excess on the policy that needs to be paid and even though insurance companies state that they try and recover your excess, they hardly ever do.

Thanks guys. Your advice is much appreciated.

Why do we still get requests like this on here in 2017?

Your mother has insurance, she must claim it from her insurer and let them deal with the other party. Whether or not the other party has insurance is irrelevant to your mother.
 
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