I'm uninsured i'm calling the police.

I'm uninsured i'm calling the police.

Author
Discussion

Motorwaymick

Original Poster:

88 posts

192 months

Sunday 16th January 2011
quotequote all
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.

Muntu

7,649 posts

204 months

Sunday 16th January 2011
quotequote all
Could you say that again in English?
smile

R1 Indy

4,396 posts

188 months

Sunday 16th January 2011
quotequote all
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.

Doniger

1,971 posts

171 months

Sunday 16th January 2011
quotequote all
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.

jomcvelia

314 posts

171 months

Sunday 16th January 2011
quotequote all
Surely as the person has no insurance then they shouldnt be on the road, injuries or not.

Tuvra

7,921 posts

230 months

Sunday 16th January 2011
quotequote all
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.
Agreed.

The real Apache

39,731 posts

289 months

Sunday 16th January 2011
quotequote all
Nonsense, no Insurance means she was illegal,

geeteeaye

2,369 posts

164 months

Sunday 16th January 2011
quotequote all
I'm sure the 'crash for cash' fraudsters will be glad to hear they don't need insurance to go about their scamming ways!

JonnyFive

29,502 posts

194 months

Sunday 16th January 2011
quotequote all
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.

northandy

3,500 posts

226 months

Sunday 16th January 2011
quotequote all
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?.

shovelheadrob

1,564 posts

176 months

Sunday 16th January 2011
quotequote all
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.

tubbystu

3,846 posts

265 months

Sunday 16th January 2011
quotequote all
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 ............

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.

Deva Link

26,934 posts

250 months

Sunday 16th January 2011
quotequote all
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.

The real Apache

39,731 posts

289 months

Sunday 16th January 2011
quotequote all
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.
Insurance companies do not pay out if they don't have to, not being insured is one very good reason not to

JonnyFive

29,502 posts

194 months

Sunday 16th January 2011
quotequote all
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.
Insurance companies do not pay out if they don't have to, not being insured is one very good reason not to
But from the law side of things the uninsured get off very easily.

ZOLLAR

19,911 posts

178 months

Sunday 16th January 2011
quotequote all
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)

Countdown

41,554 posts

201 months

Sunday 16th January 2011
quotequote all
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 see

Best 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.

AndrewW-G

11,968 posts

222 months

Sunday 16th January 2011
quotequote all
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

Flintstone

8,644 posts

252 months

Sunday 16th January 2011
quotequote all
Muntu said:
Could you say that again in English?
smile
Apparently not.

JonnyFive

29,502 posts

194 months

Sunday 16th January 2011
quotequote all
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 see

Best 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.
Don't be surprised.. This is the way the country is going, those of us who play by the rules are less protected than those that aren't.

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.