Son acedent (1 Viewer)

[Bobby22]

In my opinion, if both drivers come clean and admit their faults. They then can have a grown up outcome.

One was at fault one had no insurance.

Shake hands agree to no further action........no insurance involved.......no police.

No hassle


As i see it now, someone (two) might get a criminal record and insurance premiums will get more expensive ( claim or no claim).

 

[iandsm]

What's so different about the mib that your point scoring pulled me up on from what I said. ....

While I don't agree with your above reply regards fault.... I was hospitalised by uninsured driver and got £25000 in compensation.nothing for loss of car...you would be surprised how many don't know about the scheme. Forced on insurance company's by government to all pay a percentage into the fund because of the rise of all these barstards on the road driving uninsured non roadworthy vehicles

The difference is that the Criminal Injuries Compensation Authority is a totally different thing and serves a different purpose to the MIB. You suggested that an injured driver could get compensation from as you said, "criminal injury board" which is not the case.

I am glad you were able receive compensation for you accident and not surprised people don't know about the MIB scheme. I don't know if this was scheme forced on the insurance industry or whether the industry decide to get together themselves in order to give their customers some recompense, but either way it is a positive step and a great thing for those who get injured by uninsured drivers as I am sure you will agree.

With respect, my intention was to be informative, not critical. I had no intention of point scoring or pulling you up on anything.

 

[Judge Mental]

The difference is that the Criminal Injuries Compensation Authority is a totally different thing and serves a different purpose to the MIB. You suggested that an injured driver could get compensation from as you said, "criminal injury board" which is not the case.

I am glad you were able receive compensation for you accident and not surprised people don't know about the MIB scheme. I don't know if this was scheme forced on the insurance industry or whether the industry decide to get together themselves in order to give their customers some recompense, but either way it is a positive step and a great thing for those who get injured by uninsured drivers as I am sure you will agree.

With respect, my intention was to be informative, not critical. I had no intention of point scoring or pulling you up on anything.

that's what I get for posting when half a sleep...correct should have said MIB.

CIB better if you win a claim..my BIL got £500,000 and a pension for life after being personally attacked

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[The Wino]

Lots of differing views (and some stuff has gone somewhat off the point.) The facts are these:

1. if you are unable to exchange details at the time of the accident then it MUST be reported to the police;
2. The fact that the other driver did no have insurance does not mean that the fault for the accident automatically becomes his.
3. Driving (or keeping) an uninsured vehicle n a public road is an offence (and, as suggested above can carry a hefty fine, 6 points on the driver record and can result in the vehicle concerned being confiscated and crushed
4. Comprehensive insurance will cover claims from all vehicles/persons involved where appropriate.
5. Accidents must also be reported to your insurance company even if the fault was not yours and you do not intend to claim.

I would tell your son to report the accident to the police (even though it may now be outside the time scale set down in law) and give them the reg mark of the other vehicle along with his belief that the vehicle was uninsured - it is easy for the police to check that and they will probably be interested in doing so. He should also notify his insurance company (yes it may have an effect on his renewal but it would keep him legal and not worrying about whether any subsequent claim would be honoured)/ In that way your son will have complied with all legal and insurance requirements.

Correct advice but it does mean the scroat without insurance gets point and pays higher premiums in future and the lad who drove in the back of him has a potential claim logged and also pays higher premiums!!!. The insurers payout nothing both parties pay more just doesn't seem fair does it. The cover for claims against uninsured drivers is paid for by a levy on the insurance companies and they get the money from those who are insured......doesn't seem fair either!!. Why don't they fine uninsured drivers/sell their cars/houses/property and use that to fund uninsured claims?

 

[mpdcymru]

Agree it doesn't seem fair but before the government stepped in and imposed the insurance levy, those hit/injured by un-insured drivers got absolutely nothing. As to the insurers, they will always seek to get a higher premium, many people believe that the "no claims bonus" is built up by not having a claim for money but insurers also take account of "no blame" incidents and we would be niaive to think that that did not count against us when it comes to re-insuring!

 

[DanielFord]

The accident MUST be reported to your sons insurance company, read the small print of the policy! Whether you intend to claim or not, not telling them would be viewed as non disclosure and they could refuse to insure in the future.
Whether the insurance company then choose to pursue the uninsured party is out of your hands. You pay a fortune in insurance premiums, why not get your monies worth, that's what it's there for

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[Wildbill]

The accident MUST be reported to your sons insurance company, read the small print of the policy! Whether you intend to claim or not, not telling them would be viewed as non disclosure and they could refuse to insure in the future.
Whether the insurance company then choose to pursue the uninsured party is out of your hands. You pay a fortune in insurance premiums, why not get your monies worth, that's what it's th for

okOK the the insurance isis awar of the acedent the police are aware of it my son has no claims protection and legal thing on the policy it has now turned out that the other guy hasent even got a licence is 45 and never held a licence we don't think that a hand shake will make things right people like him need locking up whar the acedent hapend is a blind sumit and he stopped working at time answer his mobile it turns out his wife dropped him in the crap looks like things could get a bit sticky for him
Bill

 

[mpdcymru]

okOK the the insurance isis awar of the acedent the police are aware of it my son has no claims protection and legal thing on the policy it has now turned out that the other guy hasent even got a licence is 45 and never held a licence we don't think that a hand shake will make things right people like him need locking up whar the acedent hapend is a blind sumit and he stopped working at time answer his mobile it turns out his wife dropped him in the crap looks like things could get a bit sticky for him
Bill

Critical thing is that "things look a little sticky for him". Provided your son does the right thing now he looks OK.

 

[Wildbill]

Critical thing is that "things look a little sticky for him". Provided your son does the right thing now he looks OK.

The boy has done everything in his power to protect his own interests
Bill

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[CWH]

The boy has done everything in his power to protect his own interests
Bill

Good for him. He sounds well protected and very sensible.
It also sounds as though he's done a lot towards protecting the rest of us against this other unscrupulous driver too.

 

[sedge]

The CRIMINAL IB do get the money out of the criminal however they can - Bailiffs and Lor' knows what else (I've never been involved in such dealings, TG)

The MOTOR IB however, I have had dealings with but as far as I know, don't bring the Bailiffs etc in. Yes, it was imposed on Insurers by the Government yonks ago - the 1960s was it? - to fund it. Before I retired 10 years ago, at that time it cost everyone WITH motor insurance for ANY vehicle, over £30 a year extra premium. So at one time - with a Moho, a car each and two motorbikes - this household was paying an extra £150 annually to subsidise the low lives that live amongst us.

 

[Rob e Lee]

the the insurance isis awar of the acedent

Now I'd be worried!!

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[tonyidle]

In my opinion, if both drivers come clean and admit their faults. They then can have a grown up outcome.

One was at fault one had no insurance.

Shake hands agree to no further action........no insurance involved.......no police.

No hassle


As i see it now, someone (two) might get a criminal record and insurance premiums will get more expensive ( claim or no claim).

A "grown up outcome" is that both comply with the law and terms of insurance.

 

[Bobby22]

A "grown up outcome" is that both comply with the law and terms of insurance.

Yes your right, but both were sinners, getting the law involved could have brought about charges for both drivers.

Winning brownie points only gets badges at the end of the day.

 

[tonyidle]

Yes your right, but both were sinners, getting the law involved could have brought about charges for both drivers.

Winning brownie points only gets badges at the end of the day.

Nothing to do with Brownie points: not informing the Police is a serious offence; non-disclosure to the insurance company will invalidate future insurance if they find out later.

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[Wildbill]

Yes your right, but both were sinners, getting the law involved could have brought about charges for both drivers.

Winning brownie points only gets badges at the end of the day.

Wining browne points no Insurance disqualified from driving I the guy my son ran in to should never have Ben on the road my son will receive no charges or points.
by his own admission had a momentary laps of concentration.
The other driver not or refused to exchange datales a tempted to mislead my son
My son has has now complied both with the requirements of his involvement both legally and moraly
Bill

 

[Bobby22]

All's well that ends well.

Broken Link Removed
Yes your right, but both were sinners, getting the law involved could have brought about charges for both drivers.

Winning brownie points only gets badges at the end of the day.
Wining browne points no Insurance disqualified from driving I the guy my son ran in to should never have Ben on the road my son will receive no charges or points.
by his own admission had a momentary laps of concentration.
The other driver not or refused to exchange datales a tempted to mislead my son
My son has has now complied both with the requirements of his involvement both legally and moraly
Bill

 

[iandsm]

To suggest that complying with the law gains brownie points, in my view is ridiculous. There are no brownie points to be won. However for non compliance with the law a person might get points on their license, as well as a fine together with higher insurance premiums

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[g8ysn]

as i c it bill the other vehicle should not be on the road,there fore he is at fault report it to avoid any personal claim against u / son, barking up a tree but u dont need any more hassle, all the best pat g

 

[Norm]

Sounds like your son has been lucky!
It is wrong to say he couldn;t have been at fault if the other driver was uninsured. It's irrelevant. Different law, civil v criminal.
If your son claims on his own insurance he will likely lose his bonus at worst. The risk is that the uninsured - innocent driver would still be entitled to claim against your son whether he was insured or not! If he does, and he has years to do it in, your sons insurance could refuse to deal with the claim under the policy as your son has not reported the accident to them.
Safest course is for your son to report accident to insurers "for record purposes", tell them that he will not be presenting a claim for his own damage (Assuming he's comprehensive) and that given circumstances no third party claim is anticipated. They will withold bonus entitlement initially but after a while, when no claim materialises they will reinstate it.
Rather safe than sorry!
He was lucky. If he'd hit an insured driver he WOULD have a claim presented against him that would affect his bonus and future premiums,
Norm

 

[Wildbill]

It has all Ben put to bead now the uninsured driver is going to cort for no insurance no mot or tax and driving while disqualified.
My son has no claims protection
He has now nothing more to do with the incident.
Bill

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[Norm]

Bill, sorry, I responded to the thread without looking at the date. 'Thought it was recent!