My wife was involved in a road traffice accident. She had just pulled out of a corner road and was facing on coming traffic and was ready to do a right turn when a car came from behind her and try to over take due to the speed but ended up pulling in to early and cliding with her car. The insurance company is now saying that if the fault was her's then they would seek to have the repair done on the other drives car. The biggest problem is that the other drive did not have any insurance but my insurance company seem to think this does not matter. I would like to know if this has happen to anyone or where I stand on this? Thank you
2007-03-06 09:33:55 · 5 answers · asked by party25uk 1 in Cars & Transportation ➔ Insurance & Registration
If the other driver is not insured, then your insurance will cover the costs, and then try to recover them from the other driver, either through a civil action, or from a central goverment fund which is there to take up the slack from uninsured idiots who shouldn't be on the road.
Chances are if they haven't got insurance, they are probably not taxed or MOT'd. Report them to the police.
2007-03-06 09:40:22 · answer #1 · answered by louloubelle 4 · 1⤊ 0⤋
The Motor Insurers Bureau may get involved in this situation but unfortunatly in this day and age with all the uninsured cars on the road the pot which this money comes from (which insurers are obligated to put into annually) runs dry pretty damn quick. Your Insurance company will more than likely launch a civil recovery against the uninsured driver. Again though, depending on what kind of a scroat this person is, they may plead they have no money to hand over to the court (which is what lawyers will probably adivse). In this situation, you will probably have to accept that your insurance company has no-one to claim monies back from, and it will go down as a fault claim on your part, which you will have to declare on any futre insurance for the next 3 years. Road Traffic act law in this country is not up to scratch Im affriad.
Your best bet is to speak to either a solicitor, or maybe your legal expenses cover on your policy? If all else fails, you could launch a private prosecution, and reclaim the unpaid court fees under your home insurance? Then again, that sounds messy!
Good luck
2007-03-07 06:41:24 · answer #2 · answered by radbadkebab 1 · 0⤊ 0⤋
If she was stationary at the time of the accident it can hardly be held as her fault, even if she was not on the correct bit of road. If you're driving a moving vehicle you're suppose not to hit stationary vehicles, ever!. If the other driver doesn't have insurance, morally he's taken on all the risks himself, but a clever lawyer may be able to twist things around. Get legal advice before he does.
2007-03-07 03:50:17 · answer #3 · answered by The original Peter G 7 · 0⤊ 0⤋
Covered by the Motor Insurers Bureau
http://www.claimsmastergroup.com/The_News/Personal_Injury_Accident_Claim_-_Related_Articles/Motor_Insurers_Bureau_Compensation_Claims.htm
2007-03-07 03:01:27 · answer #4 · answered by ragingmk 6 · 0⤊ 0⤋
That is totally wrong, I mean the driver didn't have insurance then that is their problem.
2007-03-06 22:12:31 · answer #5 · answered by WelshLad 7 · 0⤊ 0⤋