A colleague of mine was involved in a car accident - when exiting the motorway she was hit from behind by another car who in her opinion was travelling too fast.
She has a feeling that the other car driver was uninsured, but can not guarantee that - at the scene he provided her with his name, address, mobile phone number and nothing more. She also provided him with the same details for herself, and both drivers made a note of the other drivers registration plate number. As it turns out, she was not up to date with her payments and so her car insurance was cancelled prior to the date of the accident. She is very worried about this, she has spoken to her (old) insurance company but unfortunately could not get much help/advice from them and was wondering if you know of the possible consequences of the situation, and a way forward too?
2007-08-25 05:08:41 · 9 answers · asked by Joyful97 5 in Cars & Transportation ➔ Insurance & Registration
Whilst it is the other party's fault for the accident, she will probably be barred from recovery as she was not insured and should therefore not have been on the road in the first instance.
Car insurance isn't canceled without notice. She knew that she was driving without insurance cover so has only herself to blame for the situation that she is in.
For her to recover any damages from the driver who hit her she will probably have to hire a solicitor and sue him. His insurance company is almost certain to deny responsibility as they know that she has no insurance cover and therefore no legal team to press her case on her behalf.
2007-08-25 06:23:05 · answer #1 · answered by Bostonian In MO 7 · 1⤊ 0⤋
the car hitting her from behind is at fault, the law has always been that the vehicle behind should have a large enough space for stopping. However she could be had for driving without insurance, which is also an offence, so she will have to see how things proceed. if the other driver merely sends his insurance details and expects her to do the same then she is stymied as the other insurance company will probably just use her lack of insurance to get out of the case and put the police onto her.
2007-08-25 12:17:27 · answer #2 · answered by Anonymous · 1⤊ 0⤋
Car insurance firms will send numerous letters to advise that payments are not being made, ending with a letter arriving by recorded delivery. This is to ensure that people cannot claim in court that they were unaware their policy was cancelled. With this in mind, I would just hope that the other party was uninsured too, in which case she will hear nothing more about it. I would rather fix the car myself than fave the fine and subsequent increased premiums.
2007-08-25 14:13:35 · answer #3 · answered by duck surprise 2 · 0⤊ 0⤋
Rick J is a little out of date it would appear that she was uninsured. but a time of cancellation is important. Was it cancelled before or after the accident. She has a claim against the car who ran into her but she will have to fund a lawyer herslf until the matter is settled in her favour.
2007-08-25 13:55:00 · answer #4 · answered by Scouse 7 · 1⤊ 0⤋
If there were no injuries it is unlikely the Police would initially be involved...if the other driver makes no claim, then she is in the clear, other than having to have her own car repaired at her own expense. If the other driver makes a claim or the Police become involved then I am afraid she is in the Merde.
2007-08-25 12:40:53 · answer #5 · answered by Knownow't 7 · 0⤊ 0⤋
as she had no insurance she will get upto 6 points and a fine. it was the other drivers fault, but this would be a police matter. if the police weren't involved its worth contacting the other driver to find out if they are claiming and if not tell them you not either and cut your loss
2007-08-25 12:16:46 · answer #6 · answered by Anonymous · 1⤊ 0⤋
From What you've said it seems that it is the OTHER driver's fault.It should be fine for your mate coz it isn't her fault she got hit by a ,supposedly ,speeding car .The other driver should have to pay for any damage done
2007-08-25 12:58:22 · answer #7 · answered by Anonymous · 0⤊ 1⤋
You normally get 14 days third party only insurance from your old company so maybe OK.
2007-08-25 12:25:57 · answer #8 · answered by Rick J 5 · 0⤊ 2⤋
She needs to sort out her insurance pronto!
2007-08-25 13:55:44 · answer #9 · answered by Anonymous · 0⤊ 1⤋