I'm uninsured i'm calling the police.
Discussion
Friend of mine pulled out in front of a car the other day, the other driver gets out and says I'm not insured i'm calling the police. Obviously the other driver did a quick calculation & worked out the fine for no insurance £200 ?? The whiplash claim for her 2 sproggs in the car probably a couple of grand. You read that right she intends to claim off my friend for injuries (prob non existent anyway). Now obviously the accident was my friends fault,but for an uninsured driver to be able to claim from one who is seems absurd. Maybe my friend would have been better off having no insurance as well. the world has gone crazy.
i don't see why not (if she does actually have injurie)
the matter of her having no insurance is irrelavent, as she was not at fault and if she did have insurance it wouldn't be needed anyway as she could claim straight of your frieds insurance.
obviously if the police were involved she will be getting a fine and points for no insurance.
the matter of her having no insurance is irrelavent, as she was not at fault and if she did have insurance it wouldn't be needed anyway as she could claim straight of your frieds insurance.
obviously if the police were involved she will be getting a fine and points for no insurance.
R1 Indy said:
the matter of her having no insurance is irrelavent, as she was not at fault
Ummm...surely getting in a car and illegally driving it without insurance puts you at fault the moment you turn the key?? The OP's friend might have pulled out in front of this bint, but the bint shouldn't have even been there.Doniger said:
R1 Indy said:
the matter of her having no insurance is irrelavent, as she was not at fault
Ummm...surely getting in a car and illegally driving it without insurance puts you at fault the moment you turn the key?? The OP's friend might have pulled out in front of this bint, but the bint shouldn't have even been there.Motorwaymick said:
Friend of mine pulled out in front of a car the other day, the other driver gets out and says I'm not insured i'm calling the police. Obviously the other driver did a quick calculation & worked out the fine for no insurance £200 ?? The whiplash claim for her 2 sproggs in the car probably a couple of grand. You read that right she intends to claim off my friend for injuries (prob non existent anyway). Now obviously the accident was my friends fault,but for an uninsured driver to be able to claim from one who is seems absurd. Maybe my friend would have been better off having no insurance as well. the world has gone crazy.
Surely the police should seize the car and crush it if she had no insurance?.I think that there would be a reduced payout due to contributary negligence, I am sure that is similar to having an accident when drunk or disqualified. It doesn't seem fair, but that's life. IMO if you are not driving a roadworthy vehicle or do not have the neccessary licence/insurance then you should automatically be deemed to be at fault regardless of circumstance. i.e. if you hadn't been there, then the accident would not have occured.
R1 Indy said:
i don't see why not (if she does actually have injurie)
the matter of her having no insurance is irrelavent,
Apart from the fact it is against the law to drive without adequate insurance cover in force ............the matter of her having no insurance is irrelavent,
R1 Indy said:
as she was not at fault and if she did have insurance it wouldn't be needed anyway as she could claim straight of your frieds insurance.
In the first instance she should claim off her insurance and let them process it and claim it back from the third party. What happens if it goes knock for knock ? R1 Indy said:
obviously if the police were involved she will be getting a fine and points for no insurance.
And being knowingly un-insured should not be able to claim anything off a third party.If she had been at fault, what would your opinion have been then I wonder ? Are you happy to help fund her claim from your premium ?
The fine for non-insurance really needs some attention. Currently as it appears to be cheaper not to insure and risk the fine & points, than to insure TPF&T, it is hardly encouraging. As money gets tighter in the coming months/years it will be an easy option for drivers to avoid paying.
The fine for non-insurance should be something like a 28 day driving ban, vehicle seizure until valid insurance can be proved, 6 points and a sizable fine IMHO.
Make it draconian and those considering driving without will think again, therefore helping reduce all our premiums.
Where there any witnesses?
Perhaps the uninsured woman's car wasn't properly maintained and the brakes didn't work, so she drove into the other car? Does the car have tax and MOT?
Damn sure I wouldn't be happy for me or my insurance company to pay out to an uninsured driver. They take their chances, it's not up to everyone else to cover them.
Perhaps the uninsured woman's car wasn't properly maintained and the brakes didn't work, so she drove into the other car? Does the car have tax and MOT?
Damn sure I wouldn't be happy for me or my insurance company to pay out to an uninsured driver. They take their chances, it's not up to everyone else to cover them.
JonnyFive said:
The real Apache said:
Nonsense, no Insurance means she was illegal,
That'd be in an honest world.. OPs friend will get done over for it and the illegal oxygen theif will get away with it. The real Apache said:
JonnyFive said:
The real Apache said:
Nonsense, no Insurance means she was illegal,
That'd be in an honest world.. OPs friend will get done over for it and the illegal oxygen theif will get away with it. shovelheadrob said:
I think that there would be a reduced payout due to contributary negligence, I am sure that is similar to having an accident when drunk or disqualified. It doesn't seem fair, but that's life. IMO if you are not driving a roadworthy vehicle or do not have the neccessary licence/insurance then you should automatically be deemed to be at fault regardless of circumstance. i.e. if you hadn't been there, then the accident would not have occured.
This would seem about right for what may happen.Problem is if there are children involved she is likely to get a payout as its not the fault of the children she didn't take out car insurance (thats only if they were injured if they weren't then i would hope there would be no payout but i hold little hope)
Motorwaymick said:
Friend of mine pulled out in front of a car the other day, the other driver gets out and says I'm not insured i'm calling the police. Obviously the other driver did a quick calculation & worked out the fine for no insurance £200 ?? The whiplash claim for her 2 sproggs in the car probably a couple of grand. You read that right she intends to claim off my friend for injuries (prob non existent anyway). Now obviously the accident was my friends fault,but for an uninsured driver to be able to claim from one who is seems absurd. Maybe my friend would have been better off having no insurance as well. the world has gone crazy.
OP - when did this happen ? Did the police attend and, if so, what was the outcome? As far as I can seeBest case scenario - nothing happens to your friend (apart from his own repair costs)
Worst case scenario - he loses his excess and NCD.
Will be interesting to see how it pans out. I must say I'm surprised at the brass neck of the other party, knowing that she's committing a crime but still having the audacity to call the police.
My uneducated guess; is that the uninsured person will contact a claims management company / PI solicitor, they will in turn contact the insured persons insurance company, they will then look at the costs of taking it to court over the costs of simply paying the claim off and will offer the uninsured driver a quick pay-out (bottom book value of car + £1250 per person injured) . . . . . uninsured driver will no doubt be advised to grab it with both hands and the insured person will get stuffed with higher insurance costs.
On the whole cases like this aren’t about who ultimately is right or wrong, but about the insurance companies mitigating their loses, its far easier to settle a claim that won’t top £7k than risk a court case where the risk is tens of thousands more and no doubt the uninsured persons first comments in court would be “I thought I was insured, it was just an admin oversight” etc
On the whole cases like this aren’t about who ultimately is right or wrong, but about the insurance companies mitigating their loses, its far easier to settle a claim that won’t top £7k than risk a court case where the risk is tens of thousands more and no doubt the uninsured persons first comments in court would be “I thought I was insured, it was just an admin oversight” etc
Countdown said:
Motorwaymick said:
Friend of mine pulled out in front of a car the other day, the other driver gets out and says I'm not insured i'm calling the police. Obviously the other driver did a quick calculation & worked out the fine for no insurance £200 ?? The whiplash claim for her 2 sproggs in the car probably a couple of grand. You read that right she intends to claim off my friend for injuries (prob non existent anyway). Now obviously the accident was my friends fault,but for an uninsured driver to be able to claim from one who is seems absurd. Maybe my friend would have been better off having no insurance as well. the world has gone crazy.
OP - when did this happen ? Did the police attend and, if so, what was the outcome? As far as I can seeBest case scenario - nothing happens to your friend (apart from his own repair costs)
Worst case scenario - he loses his excess and NCD.
Will be interesting to see how it pans out. I must say I'm surprised at the brass neck of the other party, knowing that she's committing a crime but still having the audacity to call the police.
We had a lady at work get us to order her a couple of hundred quid part, special order.. We take payment details for a deposit that she actually wants it and then she calls up 2 days later saying she doesn't want it and sales of goods act bla bla and we had to give her the money back, and have this part sat on the shelf now. Ridiculous.
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