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Hello, I am a solicitor with 20 years experience. I will try to answer this.
The police can do things. They can look for the car and stop it. \Maybe even arrest the driver. You should call the police and see if they are circulating the car as suspicious. I don't think it is right that the previous registered keeper is responsible for the harm caused, even if the failed to complete the books properly. You also do not know why there is no registered keeper. It may not be anyone's fault.
I have been to the Police station this morning and they were less than helpful, telling me to talk to my insurance company as there was nothing they could do.
You could contact the MIB. If there is no registered keeper it is hard to see how anyone could be insured to drive. Whether to claim on your own insurance is a judgement call for you taking into account the level of damage, cost of repair and the likely rise in premiums as a result of doing so.
My insurance company told me there was no insurance on that car so I couldn't make a claim against it. Basically what you're saying is the same as everyone else, tough luck, take the hit and get on with life
Why did you go offline?
So it looks like I will have to lose all my hard earned nio
no claims bonus and pay £200 excess then?
I didn't go off line deliberately. I am afraid that without the culprit then your options are limited. Even with him unless he has some means there will be little you can do.
So what is the use in paying car insurance? I might just as well be like the other driver and drive round with no insurance because it looks like the much vaunted ANPR is useless, or maybe the Police aren't bothered as it causes too much paperwork.
I'm sure you know what you're talking about, but you'll understand why I'm not happy with the answer, but I'll rate you anyway. Thank you for your time