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

Why are people un-able to read these days, he quiet clearly states it was his brothers girlfriend who had this accident and he is simply asking advice on behalf of his brother.
 
Surely the Police did a PNC on the car reg number at the time? I would have thought this would flag as uninsured?
 
anticonscience said:
Why are people un-able to read these days, he quiet clearly states it was his brothers girlfriend who had this accident and he is simply asking advice on behalf of his brother.
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It's common for people's "brothers/sisters/dogs/cats/neighbours/friends" to do something, when in fact it was actually them who 'dunnit' and are too ashamed to admit it :p
 
Neodite said:
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? :\
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Yeah, it seems a bit off. This would be my argument in mitigation, stating that you were advised by the Police that no damage was caused to the vehicles.

Fox is correct in saying that the Police aren't an expert in such matters, but they should know enough to make sure each party has the others' insurance details - and of course, alarm bells should have rang upon your brothers g/f not having any insurance!

Police didnt check that, so she could claim she believed what she was told, and thought no more of it due to the time lapse between the accident and the claim now.

I'd also contest that any injury that is present today couldn't be wholly attributed to that accident, as she has had 3 years doing other things which may have caused the same injury. (I bet theres a legal term for that but I have no clue what it is!)
 
'Clare' is at fault for not having insurance, it is up to her to ensure that her vehicle is insured; not the companies.

However, the time factor may help you out. It is an unreasonable duration of time and the evidence is just not there to assist in a ruling. There is no certainity that the collision caused the injuries and therefore a judge will not rule as such.

If it comes to court, 'Clare' may get done for a lack of insurance but chances are it'll never go there. Sounds like the lady is using a 'no-win-no-fee' service and they are just trying it on.

Seek legal advice, a few solicitors letters are probably going to get this sorted. You don't want it to go to court as Clare may get shafted for lack of insurance but don't settle out of court as you'll get shafted.
 
The whole thing sounds fishy to me...having no insurance for 2 weeks but yet driving??...does not compute sorry. How can you be so dim as to drive without insurance then claim ignorance??...tbh you deserve it and more...should have paid the £450 and be done with it..now your looking at a £7k bill...wouldnt want to be you in all honesty mate.

I suggest the OP get legal advice because one way or another your ****ed.
 
Ahleckz said:
Seek legal advice, a few solicitors letters are probably going to get this sorted. You don't want it to go to court as Clare may get shafted for lack of insurance but don't settle out of court as you'll get shafted.
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Good advice for the wrong reasons. There's no risk going to court from that perspective, lack of insurance isn't a civil offence and in event the OP said she informed the police as soon as she realized and nothing came of it.

Get a lawyer and get advice on whether there are limitations is the best advice then get them to send a letter. They probably are trying a 'no win no fee' place for the hell of it and the trick to making them go away will be convincing them they can't easily win. But speak to a lawyer!
 
Ok so the first point I will make is to seek legal advice, the situation has got quite serious now and you simply can't ignore it.

Secondly, insurers have 3 years to settle a claim. I have an accident in September 2006 which was dealt with quite quickly and didn't hear anything for years. Fast forward to July/August/September 2009 and things started to move and the case went to court. My insurers appointed a solicitor on my behalf and I haven't heard anything since.

Everyone wants a piece of the action when it comes to accidents. If she has whiplash then it can't be proved either way. It's a bad situation, the fact she had no insurance will certainly complicate things but she will be paying the money from her own pocket, not her insurers. Good luck, hope she has learnt her lesson.
 
Gaygle said:
Wow, she tried to save £250 after she hit someone and had no insurance?
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Is there a problem with refusing to be fleeced for £250? All we know is what the OP has said, that the person mistakenly had no insurance (which I can understand, if I was busy enough I'm sure it could slip my mind to renew it if the insurance company didn't auto renew etc...), they informed the police of this as soon as they realized (all actions showing good faith).

The other driver then requested an amount which was (in their opinion) disproportionate to the damage caused. The only thing they did wrong was refusing it and making a lower offer rather than requesting a copy of the mechanics quote and details of the damage and repairs needed, itemized for costs.

And, as already said, the OP said it wasn't him and you've no reason to think otherwise I know of so give him a break maybe?
 
Statute of limitations is usually 6 years if no proceedings are already under way - from my own experience I'm not qualified to give that as advice. I would deffinatly check what if any statute of limitation exists in this case.
 
Lol at all the conspiracy theories that I am Clare!

My bro is going to read the thread when he is back from the gym and I will probably post any more questions he has got.

Thanks for all the replies and help guys.
 
For those talking about 'No Win No Fee' companies trying it on, well it's the Motor Insurance Bureau that has written to Clare not one of those companies.

WHAT HE SAID
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People are not reading the first post properly.

This driver is being approached only by the Motor Insurers Bureau - they pay people who are the victims of uninsured drivers. So, they've already settled up with the lady with the van, damage injury and all - hence the £7k bill.

There is no negotiation to be done - either you pay up, or you appeal to the MIB's softer side: specifically you say you're not employed and don't have a penny to your name - they will back down 99% of the time in such circumstances.
 
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