Son acedent

Discussion in 'Motorhome Insurance General Discussion' started by Wildbill, Mar 25, 2016.

  1. Wildbill

    Wildbill Funster

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    My son has had a acedent the other driver did not have insurance at the time of the acedent my boy ran in to him
    The vehicle is now insured so whar dose this Leve my son
    When the collision harpenden the other driver would not exchange datales so we think he has insured itit after the collision hapend don't think my son insurance company will pay out on that one
     
  2. Bailey58

    Bailey58 Funster Life Member

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    It may depend if your son had uninsured driver loss, or words to that effect, on his policy Bill. Have you ever had any good luck Bill, I'm beginning to wonder if someone up there doesn't like you? :(
     
  3. laird of Dunstan

    laird of Dunstan Funster Life Member

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    i would check the identity of the driver of the other car first , sounds like it may have been a friend of the insured driving
     
  4. Wildbill

    Wildbill Funster

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    You could be right thar but he is fully comp and the other driver had nothing no insurance at the time of the acedent I have told my son to tell him to jog on no insurance no fix
     
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  5. Wildbill

    Wildbill Funster

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    No it wasn't insured in any way so the other guy can jog on serves the Twatt right
     
  6. ****

    **** Read Only Funster

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    Unless this is an old shitter of a car i would be telling the police and going through insurance. If an old banger worth a couple of hundred quid do nothing as i doubt the other person would get the police involved if they had no insurance at the time of the accident. You cant backdate/time a policy.
     
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  7. Allanm

    Allanm Funster

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    I assume he has reported the accident to the police? If the other driver didn't have insurance at the time of the accident, they might be interested in speaking to him. The fact that he has insurance now is of no consequence.
     
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  8. ****

    **** Read Only Funster

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    I very much doubt the other driver would dob themselves in to report this.
     
  9. Mattyjwr

    Mattyjwr Funster Life Member

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    Looks like your son was lucky - the other driver may have to pay for his own repairs. How much damage did you son get on his car?
     
  10. iandsm

    iandsm Funster

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    You said your boy ran in to him. If that's that's so isnt it your boy who was at fault and he will have to claim on his own insurance not the other persons because they wouldn't pay out anyway. The other person will also be wanting to claim on your boys insurance too. Unless I am missing something.
     
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  11. Mattyjwr

    Mattyjwr Funster Life Member

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    As I read it, the other driver didn't have insurance at the time of the collision and is not going to get help from an insurance company for an event that started before the policy started.
     
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  12. Bailey58

    Bailey58 Funster Life Member

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    Reading the OP again I realise you're not bothered about your son as such but I'd still report it to make sure I was not compounding any fault on my behalf.
     
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  13. Wildbill

    Wildbill Funster

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    We have got the parts from a braker yard it will take abut two days to fix all the parts colour mach so no worries there £200 and it's fixed
     
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  14. iandsm

    iandsm Funster

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    Well that's good news. All sorted soon.
     
  15. Mattyjwr

    Mattyjwr Funster Life Member

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    I think that he got off lightly. He may need to inform the insurance company but I don't think that he will have to pay out for the other driver who should not have been on the road.
     
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  16. jollyrodger

    jollyrodger Funster Life Member

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    Report the accident to the police.
    Yes your boy was at fault (probably )
    But the other party refused/failed to exchange details at the time.
    Still an offence I believe.
    If he now has insurance then as already posted it would be time stamped with Co.
    If you have concerns let your insurance know.now
    or what's stopping him / her claiming injury or damage from your boy. Good luck.:)
     
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  17. Judge Mental

    Judge Mental Funster Deceased RIP

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    He can't be at fault becomes the other chancer should not have been on the road...end off. Far to many uninsured drivers out there!:(
    You can make a claim via the criminal injury board if personally injured by an uninsured or unknown driver. nothing for the car though.

    Tell them wot the Judge said Bill:)
     
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  18. The Wino

    The Wino Funster

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    Take the £200 hit and forget it or offer to not tell the insurance if they pay.If the other driver was insured they would be claiming whiplash and all sorts of stuff and your sons insurance would go through the roof he is lucky
     
  19. Wildbill

    Wildbill Funster

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    Not to bother about the £200 more bothered about sumone driving about with no insurance the other driver should not have been on the road.
    To be honest if the police get involved the other guy has got more to worry about than a bent car.
    He could be looking at a ban.
    The corts take a dim view I would think off none insurance
    Bill
     
  20. TheBig1

    TheBig1 Funster Life Member

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    the uninsured car will be seized and crushed and driver will get a big fine and a ban
     

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