Named driver crash my car - I have no details of what happen

[justamumof3]

I am the main policyholder on a car and I Also had a name driver on my policy. Over the weekend I received a call from the police to say that they found my vehicle crashed and that it was at the police pound and I needed to recover it. He said he couldn’t give me any information or even tell me if the name driver is okay or where he is. I arranged for the car to be collected. It’s completely damaged and looks like a total write of. I managed to find that the driver was arrested and remanded in jail. Again, no one‘s given much information about what actually happened. However I did manage to find out that the only driving charge is reckless driving and he didn’t hit anyone (not sure what that mean as surely you would have hit something). I don’t have no information and I don’t have any ways yet if contacting the named driver. My question is what do I tell my Insurance? They are going to want to speak with him but his in jail right now. I don’t know when it happened, the time, where it happened, what happened!!! I’m so worried as the car still in finance.

[justamumof3]

Pit Pony said:

How is the named driver related to you.

Not sure it's that relevant, but you do risk an accusation of front in my humble opinion.

Sorry what does that mean by that? He is my brother

[justamumof3]

BertBert said:

surely rather than asking us, you phone up the insurer's claims like and tell them what you know and agree next steps?

Yes I will be phoning them but thought I had to give them all the information which I have none. This is all new to me and that why i seeked advise

[justamumof3]

Pica-Pica said:

You need to demand that you are informed who was driving. Failing that, take the policy which shows the named driver, and ask if it was that person. You have a right to know that for insurance purposes, IMO.

I know who the driver was but I just don’t know what happened.

[justamumof3]

daytona111r said:

I’m confused by what you’ve written. So it was the named driver on your policy that crashed or not? And can’t u just call the named driver (presumably you actually know them!).

Yes the named driver was on my policy and he crashed the car. I can’t call him because he was in the sent to jail.

[justamumof3]

MG CHRIS said:

So you have no way to contact the driver and no information but later on you say he is your brother. So you know who the driver is.

Yes my brother is the named driver. I can’t contact him because he is in jail. You can’t ring up and ask to speak to inmates.

[justamumof3]

JQ said:

I had a fairly big crash in my youth which involved several charges being brought against me and several hours of police interviews. I was never locked up, why would someone just be locked up for reckless? Are you sure you have the whole story?

He wasn't locked up for the crash. He was on probation (for another matter) and was recalled back to prison. If you are on probation, any kind of arrest can get you locked up. That is the reason why I can’t not speak with him and get the whole story from him

[justamumof3]

ChocolateFrog said:

Does the insurance company know he was out on probation?

What are the chances he was running from the police at the time? They seem to have caught up with him rather quickly after the crash.

I don’t think so. I don’t remember telling them. Just I remember any previous motoring convictions or accidents.

He could possible have been running from them. But when the officer called me he said they found the car. So not quite sure

[justamumof3]

BrettMRC said:

Is the named driver a young musician or up and coming footballer?

No

[justamumof3]

oldaudi said:

I’ve watched enough Juliette Bravo to know that the criminal is allowed one phone call. Let’s hope he phones you.

Perhaps he is busy. https://www.dailymail.co.uk/femail/article-1333724...

He was allowed a phone call but it wasn’t to memins

[justamumof3]

Pit Pony said:

Given how difficult it is for people with unspent criminal convictions to obtain insurance, my caution about your insurance company looking at the future claim, in great detail, is even more pertinent.

Ok. I can’t even remember them asking this question

[justamumof3]

C5_Steve said:

Reading between the lines here......

Your brother has been arrested on suspicion of something related to the crash. I would hazard a guess that if he's not hit anyone but written off your car and the Police have it and him, the offence will be driving-related or at least linked to the car. Again, reading between the lines and assuming a lot here. That may very well invalidate any claim on your insurance.

Leaving that aside for a minute, it's your policy so you need to ring your insurers and inform them. They'll tell you what they need from you and then you'll know where to go from there. If they need the details of the crash, you'll have to get them from your brother somehow.

Thank you. I was thinking if someone is arrested for reckless driving would that invalidate your insurance. Like a drink/drug driving charge. I don’t know when I’m be able to speak with him but I’ll contact them. This is helpful thanks

[justamumof3]

Semmelweiss said:

Contact your insurance company and inform them that the named driver on your insurance has been involved in an accident in the vehicle that they insure.

Give them your brother's name and the details of the accident, which you should be able to obtain from the police. Do you have access to the vehicle? If it's been towed away or impounded then you need to give the insurance company it's location.

I'm the interim, visit your brother in chokey and get his side of the story.

I had it collect from the police pound yesterday because i was worried about the storage fees. Had to pay £410 just to have it released.

I’ll contact my insurance.

Thank you for the non judgment and helpful advise

[justamumof3]

Deranged Rover said:

And get your brother removed from your insurance pronto.

Doubt there be any point now. They will surely cancel it completely.

[justamumof3]

ThingsBehindTheSun said:

Schoolboy error, everyone knows that if you have a crash then you should immediately do a runner. If the police suspect you then just say "No comment" to everything and they have to let you go.

Goes double if you are a promising footballer.

Are you joking?

[justamumof3]

ChocolateFrog said:

Did he take the car without your consent?

No. He is named on my insurance and allowed to drive the car

[justamumof3]

Vtekkers said:

Just call your insurance and tell them what you know, you dont need to know everything just be honest and let them deal with whatever they have to

Thank you. I will

[justamumof3]

blue_haddock said:

This sounds fishier than a grimsby trawler.

Almost certainly fronting the brother so possibly going to have repercussions for your insurance going forward.

What do you mean fronting the brother? Lying for him? I’m not

[justamumof3]

loskie said:

Have you heard of "fronting"? Be careful what you explain to the insurer.

No never heard of that. Someone else said I was fronting for my brother.

[justamumof3]

BUG4LIFE said:

Sooooo many assumptions on this thread. As others have said, all you can do OP is call your insurance company and give them all you know at the moment...and then keep your fingers crossed!

I at least hope your Bro wasn't driving the car as if he was the main driver [like every day].

Thank you. I’m going to call them.
No he wasn’t driving it everyday. I only added him on as his the only other driver in the family and could be used in emergencies.