Bumped someone with no insurance, 2 years later they want £7000

Associate
Joined
5 Dec 2007
Posts
1,294
It's my brothers girlfriend (Clare) who was the driver and my bother wants to find out what they should do. Clare was 7 months pregnant at the time and had no injuries at all.

Here is what my brother emailed me. Any help would be greatful!

About 3 years ago Clare hit a old woman from behind. Clare was at a roundabout, a woman in a ****ty old van was in front, this woman also had 2 yappy dogs up front with her. The woman pulled of then within seconds she stopped/stalled... Clare went when the woman went and Clare went into the back of her. Clare didnt even get in2 2nd gear it was that slow. Clares car had no damage at all but the womans back bumper had a slight dent in it. The old woman got out and went to Clare and asked if she was ok..etc.

The old woman had to have her van toed away cos it wouldnt "work" a police man came and said to Clare she can go cos no damage etc. Clare then checked and found out that her insurance ran out 2 weeks b4 hand, the insurance people didnt automatically renew it. so Clare went 2 the police station and told them, nothing came of it, no points on her license..etc.

A few weeks later we had a bill from the old woman and her husband asking for about £400 for cost of damage to bumper and saying that Clare damaged the vans engine, the vans engine was in the back, its a Chinese small van thing. We said no we are not paying that much because we dont believe the van is even worth that much, we offered around £150 but they wanted more. So we left it.

About a year later we had a letter from the woman's doctors or what eva saying they are goin2 check the old woman over for injuries from the bump! Now 3 years later we get a letter from the motor insurers bureau asking to recover expenses arising from the collision for £7,270!!! The letter says they want the cash in the next 14 days, failing to do this then they will commence proceedings for the sum due, together with a claim for all court fees, costs and interests.

I want to know if we have to pay this as we dont have this kind of money, we understand that we should pay for the damage but if she had injuries which she would no way in hell got from that small bump, do we have to pay for her compensation also?
 
Last edited:
Contact their insurer?

Hang on, You say Clare checked her insurance and it had expired? Or are you talking about the old lady?
 
Last edited:
Unfortunately it seems you are totally 100% in the wrong here.

It is not for you to value the vehicle you hit nor is it for you to question the validity of the repairs, you had not inspected the vehicle nor were you qualified to do so, so what makes you think you could dispute a repair bill of £400? Frankly a £400 repair bill is very reasonable - somebody ran into me and simply dented the bumper, and the bill for that alone was £343. Ordinarily you would pass any contact from the third party direct to your insurers, but as you were driving with no insurance this is not possible.

It would seem, in theory, that you are liable for the costs here, personally. Usually your insurer is liable on your behalf, but you don't have an insurer.

Personal injury claims are almost impossible to prove to be bogus even if you think its made up.

This is going to get very, very serious for you so I suggest you seek proper legal representation as soon as you can.

This would probably all have gone away had you not had the audacity to question the repairs after you hit the car in front whilst driving with no insurance. I'd have been tempted to pay up to save any further problems!

Get a solicitor. You will need it.
 
Sounds dodgey, ring your insurer!

Edit: Skim read the post and didn't see that she wasn't insured. You're ****ed!
 
I see Fox confirmed what I thought after re-reading your post. Your brother and his girlfriend need to seek legal advice as per above.
 
Your brother or whoever may have one saving grace, and that's if the police officer really did tell Clare to leave the scene as there was no damage or whatever.

However, Fox has it all really... get a solicitor, and prepare to live off a shoe-string budget for a while.
 
if you(your side of the incident) were uninsured at the time, you're already in a bad bargaining position, but 3 years ago is a little excessive really, I'm sure there's a limit as to how long you're entitled to claim for something like this. CAB would be the best first call
 
I thought that making claims were limited to two years, hence if it was 3 they cant come back to you unless that have already told you proceedings have started.
 
Your brother or whoever may have one saving grace, and that's if the police officer really did tell Clare to leave the scene as there was no damage or whatever.

A police officer is not an expert in terms of vehicle bodywork - he cannot categorically state there is no damage without properly examining the vehicle.
 
Wow good luck with this one, as said get some advice asap. Let us know what happens!

You were crazy not to take their offer of £400 when you weren't insured though.
 
Sounds like you've made a very bad judgement in not taking the £400 repair offer.

If you'd done that, I doubt they'd have had a leg to stand on trying to get you for personal injury later.

Unlucky, but it sounds like a call to solicitors and CAB is in order.
 
Why was the insurance not auto-renewed?

I thought you had to cancel it? Sounds dodgy to me, and why did the police not check her details? :\
 
The key to this could be when exactly the three years was. As it seems there is a three year limit to claiming.

are they claiming for damage to the driver or the car? Or both?

Not that it really matters.
 
Why was the insurance not auto-renewed?

I thought you had to cancel it? Sounds dodgy to me, and why did the police not check her details? :\

Because not all insurance companies follow the same procedures. Some autorenew other don't.

At the end of the day it is up to the driver to ensure adequate insurance, and that means chasing up a renewal if it has not arrived.
 
you know whenever you go into the back of someone that you're pretty much gauaranteed to be at fault..

when they asked you to pay out and you from what it seems tried to haggle and then refused, i mean what were you hoping for that the problem would go away and that you'd get away without paying a bean despite hitting someone else?
 
[TW]Fox;16207781 said:
A police officer is not an expert in terms of vehicle bodywork - he cannot categorically state there is no damage without properly examining the vehicle.
Of course not, but when instructed to leave the scene by an officer, you aren't likely to refuse. :) This could be spun to say you were instructed to leave before all matters were resolved or something.
 
Back
Top Bottom