I was caught by police a couple of weeks ago for driving a courtesy car which the insurance had run out the day before. I was unaware of this as the company was sorting the insurance out on the car. My car which was in the garage was fully insured in my name and i never break the law this is the first time i have evr been in trouble with the police. I have to go to court now but i have only had my licence for 10 months so if i get 6 points i will lose it. What will happen to me?
2007-04-18 00:00:18 · 16 answers · asked by Kirstyn M 1 in Cars & Transportation ➔ Insurance & Registration
I'm flabbergasted -
1) IANAL but SURELY the organisation that gave you the courtesy car is reponsible for seeing that it's insured.
2) The only reason it WASN'T insured was that it had run out - which clearly indicates the intention for it to be insured.
3) Nobody - from what you've said - gave you an indication that it was NOT insured, which would be your sensible default assumption.
If you actually get busted for this, I dowanna live in dis country no more.
CD
2007-04-18 01:14:38 · answer #1 · answered by Super Atheist 7 · 0⤊ 0⤋
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2016-12-25 19:41:50 · answer #2 · answered by ? 3 · 0⤊ 0⤋
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2016-08-30 09:47:51 · answer #3 · answered by Zoila 3 · 0⤊ 0⤋
You can be prosecuted for driving any vehicle without insurance. In the case of a courtesy car you have two options.
You can transfer your own insurance to that car whilst your own is being repaired. Insurance companies normally do this automatically where they supply the car.
You should always complete a document - normally a hire car agreement that is FOC. This safeguards you and the supplier. They are required to ensure that you are qualified to drive it. Not banned for example. It is also your authorisation to drive the vehicle.
If you are unable to produce insurance due to the repairer not having renewed it then you need to tell that to the court. It is a mitigating factor which they will take into account. It is likely you would be let off in such circumstances and the supplier of the car would be prosecuted.
2007-04-18 05:15:45 · answer #4 · answered by fwh 4 · 0⤊ 0⤋
Most insurance companies will allow your insurance to transfer over to a non-owned auto (rental car) Verify that with your agent, let him know of the problem and then when you go to court, bring the information that shows that if there was an accident it would have been covered. At this point, they can press charges against the shop if they so choose, but you were holding up your legal end of the bargain
2007-04-18 04:39:51 · answer #5 · answered by buttrfly52 4 · 0⤊ 0⤋
Rubbish...how can a company offer you a courtesy car and not check that there is insurance for it.....if you had fully comprehensive insurance on your own car (in UK) then you would be covered to drive another car not owned by you.
All sounds a bit dodgy to me, are you telling the truth, the whole truth and nothing but the truth?
2007-04-18 01:14:20 · answer #6 · answered by Knownow't 7 · 3⤊ 0⤋
Sounds bogus - you don't have to insure a courtesy car but you do have to have liability insurance and carry your card with you. I use a courtesy car every weekend and my insurance covers me and the car. Talk with the prosecutor for the jurisdiction where you got the ticket - if he doesn't help get a lawyer who can straighten it out. You don't want the points and the high cost of insurance that goes with it.
2007-04-18 00:15:00 · answer #7 · answered by pilot 5 · 2⤊ 0⤋
believing you to be in the UK,then your own insurance should cover you legally to drive the courtesy car.the garage which loaned you the car should have asked and photocopied your licence for insurance purposes.if their own commercial cover has expired then they should not have loaned you the car until the matter of insurance was reactivated,so argue your case and take any paperwork you have to court so they can see that you were being honoured your rights legally,and take your own policy paperwork too.they should find the garage negligent of their legal duties and may investigate and prosecute.
2007-04-18 00:27:06 · answer #8 · answered by billybus 3 · 3⤊ 0⤋
Sounds somewhat fishy to me. You're entitled to expect that a courtesy car is properly insured - I have a feeling there's a bit more to this.
2007-04-18 01:59:53 · answer #9 · answered by champer 7 · 0⤊ 0⤋
no longer utilising without insurance does not make you at fault for the accident. no longer being insured is your accountability before everything as you may desire to have checked inspite of what you assert with regard to the act. in actuality the storage is likewise in charge and the MD or proprietor gets a similar punishment as you for permitting the vehicle to be pushed uninsured if the Police are in contact. whether you had have been given the extra suitable different vehicle conceal it does not have lined you for any vehicle "used in connection with the motor commerce". the traditional component is to make a particular temporary addition on your coverage to particularly conceal the courtesy vehicle - i understand as I even have had to do this. The garages insurance won't bbe in contact in any respect as you weren't insured by using them. this is going to get so lots extra complicated and high priced for you and the storage in the previous that's settled as niether of you have insurance conceal for this as you have been utilising.
2016-12-29 06:25:24 · answer #10 · answered by Anonymous · 0⤊ 0⤋