Uninsured Drivers
Discussion
I'm looking for a bit of advise here.
Yesterday I was involved in an accident with a car (old lady in a metro!) which pulled out of a side road and I hit it. Last night had a phone call from other persons son-in-law to inform me she didn't have insurance. Phoned my insurers and they said they'd pursue her for the money, I asked them if I should inform the police as it's criminal, they said it was up to me. I expect I should, but any advise would be appreciated, as I think this may cost me money even though it's not my fault.
Yesterday I was involved in an accident with a car (old lady in a metro!) which pulled out of a side road and I hit it. Last night had a phone call from other persons son-in-law to inform me she didn't have insurance. Phoned my insurers and they said they'd pursue her for the money, I asked them if I should inform the police as it's criminal, they said it was up to me. I expect I should, but any advise would be appreciated, as I think this may cost me money even though it's not my fault.
I would call the police right away. I was involved ina no-fault accident last April and am still waiting for settlement now and the other guy was insured!
I dread to think how slow the insurance would be on their own, at least with the police informed this may add some weight to your position. Best of luck.
Did you say old girl uninsured? And I thought it was only the youngsters that were a nuisance on our roads!
I dread to think how slow the insurance would be on their own, at least with the police informed this may add some weight to your position. Best of luck.
Did you say old girl uninsured? And I thought it was only the youngsters that were a nuisance on our roads!
You are obliged by law to inform the police (within 24 hours?) if you are involved in an accident where there is damage to property, regardless of the insurance position. I think they generally then issue producers to the parties involved to check for license/insurance/MOT.
Your insurers should be able to claim for any damage directly from the other party. If they're not insured, thats their tough luck, they're still liable.
(IMHO, not a lawyer...)
Your insurers should be able to claim for any damage directly from the other party. If they're not insured, thats their tough luck, they're still liable.
(IMHO, not a lawyer...)
Was speaking to my broker about this very subject last week, and apparently, there is supposed to be some kind of fund for victims of uninsured drivers.
And yes, your insurer could probably also sue the uninsured driver. So one way or another you should get your money.
With regard to the 'moral' issue of informing the police (I realise they probably couldn't give a 5hit) - I'd sat do it! OK so it's a bit tough on the old girl, but f*ck her, and anyone else stupid, selfish and ignorant enough to drive without insurance for that matter.
The fact of the matter is, if the car's uninsured, it can't be taxed, and probably isn't MOT'd either - in short it's a death trap.
And yes, your insurer could probably also sue the uninsured driver. So one way or another you should get your money.
With regard to the 'moral' issue of informing the police (I realise they probably couldn't give a 5hit) - I'd sat do it! OK so it's a bit tough on the old girl, but f*ck her, and anyone else stupid, selfish and ignorant enough to drive without insurance for that matter.
The fact of the matter is, if the car's uninsured, it can't be taxed, and probably isn't MOT'd either - in short it's a death trap.
I don't know how big the son-in-law was, but he knows where I live so hopefully smaller than me!
Anyway, I have reported her to the police as I also thought f**k her, I don't pay £1500 a year in insurance for sh*ts like her to damage my car with their inept numptiness.
So we'll see how it goes, although I know it will be held against me as a fault-accident until the claim is resolved which could prove expensive, damn.
Anyway, I have reported her to the police as I also thought f**k her, I don't pay £1500 a year in insurance for sh*ts like her to damage my car with their inept numptiness.
So we'll see how it goes, although I know it will be held against me as a fault-accident until the claim is resolved which could prove expensive, damn.
quote:
And yes, your insurer could probably also sue the uninsured driver. So one way or another you should get your money.
With regard to the 'moral' issue of informing the police (I realise they probably couldn't give a 5hit) - I'd sat do it! OK so it's a bit tough on the old girl, but f*ck her, and anyone else stupid, selfish and ignorant enough to drive without insurance for that matter.
Some policies have an Uninsured Loss Recovery scheme - Could be worth asking your insurance co.
With regards to informing the Police - You are required to only if someone is injured I believe - Could be wrong though. I would inform them anyway.
Though I am sure that they won't do anything to an old biddie, had you been uninsured you'd probably have had Plod visit you in 10 seconds flat.
quote:
You are obliged by law to inform the police (within 24 hours?) if you are involved in an accident where there is damage to property, regardless of the insurance position. I think they generally then issue producers to the parties involved to check for license/insurance/MOT.
When did that change come in? I was under the impression the police only needed to be involved if injuries occured...
A mate was driving along in his Pug 505 tank, and some eejit in a Suzuki 'jeep' pulled out of a drive straight in front of him. So my mate hit him. Hard. 
Completely wrote off both cars (and those 505 look pretty indestructable). Turns out the eejit's top heavy piece of crap wasn't insured or MOTed, so mate went to Police.
They took it seriously, and there was big talk of bans and fines for eejit. After mate chased it up months later (Cops never got back to him) turns out he got something like 5 points and a smallish fine (;cos we all now it is less serious than driving at 100mph on a clear motorway for example).
Meanwhile mate is going through some Insurance board who pay out and attempt to reclaim the costs (from eejit). It has been a year, and mate is still waiting. And now eejit is denying responsibility for the accident, and the insurance people appear to be considering it! (guess it gets them out of having to pay out).
I really am beginning to consider leaving this country.
That wasn't meant to turn into the rant it has become, sorry.
Only upside is mate thought 'sod it' and went out and bought an MR2 Turbo to play with.
Cheers, Fil
Completely wrote off both cars (and those 505 look pretty indestructable). Turns out the eejit's top heavy piece of crap wasn't insured or MOTed, so mate went to Police.
They took it seriously, and there was big talk of bans and fines for eejit. After mate chased it up months later (Cops never got back to him) turns out he got something like 5 points and a smallish fine (;cos we all now it is less serious than driving at 100mph on a clear motorway for example).
Meanwhile mate is going through some Insurance board who pay out and attempt to reclaim the costs (from eejit). It has been a year, and mate is still waiting. And now eejit is denying responsibility for the accident, and the insurance people appear to be considering it! (guess it gets them out of having to pay out).
I really am beginning to consider leaving this country.
That wasn't meant to turn into the rant it has become, sorry.
Only upside is mate thought 'sod it' and went out and bought an MR2 Turbo to play with.
Cheers, Fil
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