My car was involved in an accident while my mate was driving that. he hit a pedestrian & didn't stop. he didn't tell me anything till police contacted me. i gave his ditails to police but police couldn't find him.i don know what should i do or who really will be responsible for this or who will be prosecuted? could you possibly please advice me insurance wise as well. because i have a valid insurance but i don think it will cover this kind of incidents
2007-12-05 05:20:46 · 14 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
So long as the police believe you that your friend was driving, and there is no evidence to the contrary, then you will be ok.
Insurance though, unless he was on your insurance they wont pay out if he was driving with your permission. If he wasn't then they will want a police report stating that the car was stolen at the time of the crash.
In both cases your friend will need to turn up, or you may end up in trouble.
2007-12-05 05:26:39 · answer #1 · answered by Telf 4 · 1⤊ 3⤋
You can't find your mate?? Not much of a mate.
It's your responsibility to make sure he was insured in your car. At the least you will face an "Aiding and Abetting" charge. Also they may consider your mate to be an invention of yours and throw the book at you for all the results including attempting to pervert the course of justice
2007-12-05 20:37:51 · answer #2 · answered by The original Peter G 7 · 1⤊ 0⤋
First of all - you won't be liable for your friends AC10 (failing to stop), AC20 (failing to report) and CD10 (Careless driving) - even though you gave him permission to drive you did not give him permission to drive carelessly.
Now then: if you have an open driving policy or your friend is named then your insurance company will handle a claim made against your friend (unless he used the car as a weapon!). You will have to report the incident - this will affect your no claims bonus and the insurance company will want to have words with your friend. If your friend has an insurance policy with 'driving other cars' and he is not on yhour policy then his insurance company will deal with it.
If your friend has no insurance at all then you can add on IN10 to the above convictions and you will probably be prosecuted for IN12, IN14, IN16 (one of them - one is causing, one is permitting or allowing and one is inciting - but I can't remember which)
Once you know the insurance position then you will know why your friend has gone AWOL.
2007-12-05 08:50:22 · answer #3 · answered by welcome news 6 · 0⤊ 0⤋
You need to find that mate. If anything happens to the pedestrian you could end up in jail?
No your insurance covers you only, not others! If he has insurance then that will cover it. By sounds of it he hasn't.
Get him found other wise you could be in big trouble! And never lend your car to others again, this might be your lesson.
2007-12-05 05:43:37 · answer #4 · answered by charlie_t 3 · 0⤊ 1⤋
unless your mate tells the cops what happened you will held to blame!! was your mate insured to drive your car?? if he wasnt your insurance company will have nothin to do with the case as he wasnt covered!! and if that is the case the cops will do you for letting him drive while not covered!! you better go find this alleged mate of yours and have a good talk with him and get this sorted and stories straight!! get him to confess and say he took the car without your consent if he wasnt insured!! good luck
2007-12-05 05:28:08 · answer #5 · answered by tellygonemad 4 · 2⤊ 0⤋
You need to be able to prove that you were not driving the car at the time.
Most British law is based on innocent until proven guilty, but with motoring offences like this, it's the opposite way round. You need to say where you were at the time of the accident, preferably with witnesses who can vouch for you.
Regarding insurance, it's the driver who has got to be insured, not the car. So your "mate" would be liable in this case.
2007-12-05 05:27:33 · answer #6 · answered by Anonymous · 0⤊ 3⤋
As the driver, HE is culpable for his actions. Your insurance company will be better-able to answer questions related to liability issues. Since you weren't in the car at the time of he accident, you are in no way culpable. You MAY, for liability reasons, have to hang your mate out to dry on this one.
2007-12-05 05:32:27 · answer #7 · answered by Stephen H 5 · 1⤊ 1⤋
you as the owner of the car should have made sure that he was covered NEVER EVER lend your car to anyone you may be prosecuted as the owner if the police cant find your so called mate
2007-12-05 05:25:23 · answer #8 · answered by Anonymous · 2⤊ 1⤋
unless he is insured to drive that car, both of you can be responsible
2007-12-05 20:30:12 · answer #9 · answered by Anonymous · 0⤊ 0⤋
UNTIL THEY FIND YOUR MATE AND HE TELLS WHAT HAPPENED THEN YOU ARE RESPONSIBLE AND THE INSURANCE WILL BE AFFECTED BIG TIME.
2007-12-05 07:01:51 · answer #10 · answered by Anonymous · 0⤊ 0⤋