MIB rejected Claim.

[Federico]

Hello, I am new to the forum so thanks for accepting me as a member. I was diverted to this site while reading the pro's and cons of the MIB website.
My wife parked her Mercedes outside of her workplace and later found her car had substantial damage to the front O/S (Hit and Run) ,no one had seen the incident and she immediately phoned the police who would only give a crime number. We followed the necessary insurance requirements etc.
It was suggested by the Police to apply to the MIB for reimbursement of our insurance excess , now the MIB rejected the claim under Clause 7 (1) 'they won't cover damage by an unidentified motor vehicle'... ???
It sounds wrong , does anyone know about this 'clause' and has anyone had the same reply ?
I would appreciate any feedback.

[des8]

MIB are acting correctly in line with the agreement with the secretary of state for transport

This is as per 6 (1) and 7 (1) (b) of the agreement:
6. (1) Subject to paragraph (2), MIB is not liable for any claim, or any part of a claim, in respect of which the claimant has received, or is entitled to receive or demand, payment or indemnity from any other person (including an insurer or the giver of a security), not being the Criminal Injuries Compensation Authority or its successor.
7. (1) MIB is not liable for any claim, or any part of a claim, in respect of damage to property caused by or arising out of the use of an unidentified vehicle, unless — (a)..........(b) the loss incurred in respect of damage to property exceeds the specified excess.

[Federico]

So we just say goodbye to £450 excess ? through the actions of someone unknown who probably had
NO insurance cover ? I thought a percentage of our insurance was paid into this fund for just these circumstances.

[des8]

I'm afraid a large number of people misunderstand the agreement between MIB and the minister, but it is what it is.

Perhaps it would have been better if MIB had told you the reason for declinature of your claim was that property damage can only be claimed in cases where any Claimant has sustained significant personal injury in respect of the same event.