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Chit Chat
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07 Jan 10
12:15
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Date Joined:
10 Jan 02
When someone drives into the back of you, it's their fault, their car is insured, but the person driving it isn't. Will the claim go through their insurance ok?
This happened to me. I suspected the car wasn't insured since the driver didn't want to go through insurance, but I spoke to my insurers and it appears their car was insured so they are claiming against their insurance. There were plenty of witnesses (else I guess he would have done a runner) but my question is what will happen if it turns out the driver wasn't the person who was insured to drive the car? Will their insurance still be liable?
I have the option to upgrade the courtesy car but don't want to obviously if it later transpires that I'm liable to the the hire charge of the upgraded car.
This happened to me. I suspected the car wasn't insured since the driver didn't want to go through insurance, but I spoke to my insurers and it appears their car was insured so they are claiming against their insurance. There were plenty of witnesses (else I guess he would have done a runner) but my question is what will happen if it turns out the driver wasn't the person who was insured to drive the car? Will their insurance still be liable?
I have the option to upgrade the courtesy car but don't want to obviously if it later transpires that I'm liable to the the hire charge of the upgraded car.
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Replies: 17
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The car might be insured but the driver may not be insured to drive it and therefore your insurance will have to pick up the cost. Your insurance can then sue the driver to recoup their money and restore your no claims.
Been there already and lost big time. |
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Will their insurance still be liable? Big fat NO.
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cheers
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Happened to my wife last year. Have to go through your own insurance, and someone gives the miscreant a telling off.
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Under the RTA, the other party's Insurer is responsible for any Third Party Property Damage i.e. your damage and has to pay for it. They then recover from the "uninsured" driver, if possible.
Stick it in the hands of a ULR Provider if you have the cover. If you don't, ring up any claims company, tell them you have whiplash (very common from a shunt in the rear) and they will be crawling all over you likes bees round honey ;-) Job done. |
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and that is why insurance premiums are on the rise and they will screw you at every given oportunity ^^^^
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this might sound a silly idea, but..................
WHY NOT RING A SOLICITOR |
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Also the Owner might want to settle your claom off insurance
when you mention to him , he is liable to prosecution for allowing a non-insured driver to drive his car (IF he hasn't reported it as stolen).. ;-) |
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settle your claim ..cash ..^^ ..that is ..ie:- Outside Insurance ..
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For fear of getting it in the neck, but Car Insurance Premiums have risen less than the rate of inflation over the last 10 years and in relevant terms, are way cheaper than they were 10 years ago. Add in the fact that competition is fierce (you only have to witness all the adverts on TV) this has also contributed to lower prices but also the Fact, that very few Car Insurers have made any profit over the last 5 years.
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Cheers balders that appears to be contrary to the previous advice. I'll give the insurers a ring back to clarify things. Whiplash isn't an issue since they drove into the back of my car when it was parked and empty.
JJ if he had been forthcoming with a cash offer quickly I may well have accepted it. |
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I remember a chap called Josef Goebels used to be succesful in that field too .
Convincing people via Propaganda . |
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Clydebank..
The THREAT of having him prosecuted might focus his intent ;-) |
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if he ignores you
BLOW him out the water , send Police the details .. |
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Clydebank - if you ring them, tell them under the RTA, the Insurer of the vehicle (if known, which it is) is classed as "Insurer Concerned" under the RTA, if the Driver wasn't named on that policy and therefore is responsible for your damage.
But you'll get a Call Centre "numptie" who won't have a clue what you are on about ;-) |
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He had the chance JJ but he wasn't proactive. Too late now.
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M.I.B will pay if the driver is not insured
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