Am I mad?
- Thread starter stiv121
- Start date
Except that's not actually true. Provided a policy is in place the insurance company is, by law, liable for third party claims irrespective of whether the policyholder has broken any terms of the insurance contract. They are able to claim any losses back from the policyholder though.
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Theoretically, what happens if you hit a pedestrian in that uninsured, unlicensed situation? And if they receive life changing injuries?
According to this site, the insurance company will usually try to direct you towards the other driver until you lawyer up threaten to take them to court.
So amend my statement to - isn't going to pay unless you shell out for a lawyer to make the relevant legal noises. Assuming you know that you have that option. And assuming you can afford one. Tough **** if you can't.
More importantly, its still making someone else's life difficult for personal gain. Its still ****ing unacceptable however you look at it.
The insurance company is obliged by law, they can't legally evade payment for third party damages. The insurance ombudsman will ensure that this happens if the insurance company don't play ball.
I absolutely in no way condone people who knowingly drive around unlicensed etc. I'm just stating the facts.
In that case they may be eligible to claim from the Motor Insurance Bureau fund.
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I didn't say they could, I said they would try, until you demonstrate that you know the law at which point they will pay up - having cost you the fee for a solicitor to write a threatening letter. If you think insurance company's won't try a bit of dick ****ery before they give up and pay out, then I would like to know who you are insured with so I can sign up.
