crashing into someone with no insurance

Speak to your own insurance company about the lack of MOT on his part as cars are pretty worthless without one so they may change how much they pay out.
 
I thought you didn't have to pay an excess on third party claims?

It's definately worth speaking to a solicitor about this other guy. The fact that he shouldn't have been on the road might make a difference about him claiming. Not sure but find out :)
 
From what I can gather from this, the accident is your fault. He can make a claim against your mum's insurance policy (that's why we have 3rd party cover). If your mum's car needs repairs from an accident which was your fault (sounds like it does and is), then the fact the 3rd party has no insurance doesn't mean a thing, your insurance company will be picking up the tab for that too, and that's where your £500 excess is lost.

You need to inform your insurance company that the other driver was not insured as they deal with the calim and need to know who to contact in dealing with the claim. If you want to sue him for "Being there when he shouldn't" your insco might be able to help with this if you have legal expense cover... It's a long shot but i don't see what you have to loose (if the insco will pick up the Legal expenses on the court action).
 
It's a TPFT policy isn't it? I thought the excess only applied to the fire and theft part of that, not the third party side of the claim. Could be wrong though. If I'm right that means his £500 is safe.
 
ok everyone calm down i am not sueing anyone, it was a joke but i was just saying in this crazy messed up world, i wouldent actually be that suprised if i go through it all and won.

i cant remember if it was TPFT or fully comp tbh it was only a dsecond policy while my car was off the road i was using my mums. anyway they wrote mumc car off and gave us a grand for it, minus my 500 pound exess. for what ever reason.

all my questions are answerd now thank you but do understand i was joking about sueing the guy lol.

Dan
 
you wont pay 500 for your car and then 500 for his car... 500 is the total excess. if you recieved money then the car was insured as fully comp :p

i think the guy should forfeit his right to claim by driving illegally tho, tell ** ins company to screw the **** over.


p.s. dont drive crappy cars round wet bends so quick and then all this would never have happened. understeer is a sign of going too quick ;)
 
Tesla said:
This is how I would like to view the situation but I don't think the law will view it like this?

People who avoid tax, MOT and insurance are scum.
Click to expand...

Insurance companies are scum as well :p

However, since the goverment feels its right to allow private companies to monopolise on a legal requirement then I suspose it's entirely alright.

There's really nothing people can do against insurance companies. They're untouchable. Usually you'd abstain/hold back payment but in this case, and I support it 100% it is harsh should you crash into someone else.

Nationalise insurance companies IMO. At least then we'd have a general level of payment that would rise/fall based upon no. of claims for that age group. People WOULD actually have something to complain about then if people were claiming when they didn't really have to ;)
 
the threads nothing to do with the actual accident as i said but now its over i may aswell start this part of the convo cos i want to lol
the escort had remould tyres on cos my mums so tight lol and she admits even she had trouble setting off out of roads etc with no grip. the car would understeer at 5mph in a carpark and i am not joking. i wasent going too fast i just turned to quick becouse the corner got tighter and i was on the inside i just dident think about it anyway i arent here to claim my inocence i dont care if you believe me or not but its the truth and my mum wil never buy cheep tyres again. and i will think twice about driving a stupid numb car.

Dan
 
Tesla said:
People who avoid tax, MOT and insurance are scum.
Click to expand...
Seconded.

I hope he gets his license taken away ;)

I've driven ONCE without insurance, and that was without me knowing (friend: "yeah anyone is insured to drive my car" - which he later found out wasnt true!)
 
I too ave driven without insurance, got back from my GF's after 4 weeks to find successive letters informing me first of their intent to cancel the policy (bad bank details) then of them cancelling it, poor old me was risking it al for over 2 weeks without even knowing it!!! As for this case

You will NOT loose £500 excess unless you are claiming on your own car also
You WILL lose your mums NCB such is he risk of havng a 2nd driver
He will lose his licence, it was his unucky day to come across your lane hopping ass :)
You will at least come out fairly unscathed
 
Hmm odd how people who avoid tax are considered scum, but folks who dload mp3's or folks who benefit from a cash in hand job or any other number of illegal activities or small tax avoidances are not so thoroughly frowned upon.
 
pinkaardvark said:
Hmm odd how people who avoid tax are considered scum, but folks who dload mp3's or folks who benefit from a cash in hand job or any other number of illegal activities or small tax avoidances are not so thoroughly frowned upon.
Click to expand...

insurance you mean... (it was not stated he was missing tax).
 
Just SLIGHTLY riskier driving a 1.5 tonne vehicle around. Gross negligence I believe is the term.

:edit: just realised that your post could be sarcasm... hard to tell really as it's hard to believe you can't tell the difference between the danger of cycling to driving.
 
Zefan said:
Just SLIGHTLY riskier driving a 1.5 tonne vehicle around. Gross negligence I believe is the term.

:edit: just realised that your post could be sarcasm... hard to tell really as it's hard to believe you can't tell the difference between the danger of cycling to driving.
Click to expand...

No not sarcasm and yes I can easily tell the apparent dangers. But if i'm dead then I don't really care what killed me, but if it wasn't my fault I'd want my family to be able to seek recompense regardless of the cause.
 
well we will just let the insurance co know about it and see what they say. he had tax but no MOT and no insurance. tbh it used to be posible to not have MOT and forget my mum has done that also and paniced like mad when she found out it had ran out. i had to pay for the insurance so why shouldent he. i dont see apart from if your bank screws up or something then i dont see any other valid reason tbh.
i did the police a favour and got scum off the road then:P haha

and lmao @ lane skipping ass :)

Dan
 
pinkaardvark said:
Hmm odd how people who avoid tax are considered scum, but folks who dload mp3's or folks who benefit from a cash in hand job or any other number of illegal activities or small tax avoidances are not so thoroughly frowned upon.
Click to expand...
So are you condoning driving with no tax/MOT/insurance?

I dont think people who avoid tax are scum. I think it shouldn't be possible personally.
People who dodge the MOT are dodge because they are putting a dangerous vehicle (yes i know every vehicle is dangerous..) on the road.
People who dodge insurance are scum though, because the "common man" can be directly affected by this.

No "common man" is affected by mp3s, cash in hand or small tax avoidances.
 
You must log in or register to reply here.
Back
Top Bottom