It doesn’t happen very often but when a person’s car is hit by a vehicle being pursued by Police, where do you stand with regards to claiming for damages and personal injuries?
In all likelihood, you will be able to claim against the insurer of the vehicle, irrespective of whether it was in fact a stolen vehicle, or being driven by a legitimate permitted driver. The fact that it was being pursued by Police at the time is irrelevant.
There are however, some complex legal issues involved and you would be well advised to seek legal advice.
If you are unable to identify the vehicle involved or there was in fact no insurance at all in place, you can submit a claim through the Motor Insurance Bureau (MIB) who will in essence, act as the third party insurer to compensate you but, if the incident occurred after 1 October 1999, this will be subject to you having to pay the first £300.
You should note that responsibility for the accident has to be agreed, or decided by a Court and on the evidence, your claim could possibly be reduced by a proportion, or possibly rejected if there is evidence that you, or the person driving your car at the time, is considered partly or wholly responsible.
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