Police chase resulting in car being written off
Discussion
My son was the victim of an uninsured driver hitting and writing off his car last week - the uninsured scumbag was being chased by the police at the time and although they “ called off the chase” 200 yards before the car hit my sons and another parked car, my son is now without a car or insurance company to claim off.
The question I have is what comeback do we have, if any, against the police?
This was a car chase in a built up area and presumably there is some kind of victims support or duty of care available in these circumstances?
The roads are 30mph limits with cars parked on either side and not really fit for high speed pursuits.... although a big part of me is glad that they did continue to give chase as they did apprehend the scumbag as he was running off.
The question I have is what comeback do we have, if any, against the police?
This was a car chase in a built up area and presumably there is some kind of victims support or duty of care available in these circumstances?
The roads are 30mph limits with cars parked on either side and not really fit for high speed pursuits.... although a big part of me is glad that they did continue to give chase as they did apprehend the scumbag as he was running off.
vonhosen said:
OP
Does the car that crashed into your son have a policy against it, even if the driver at the time wasn't covered under that policy?
Was the owner the guy who crashed it, or was it stolen?
What type of cover does your son have, FC or TPFT etc?
The car that hit my sons was stolen and with no insurance....!Does the car that crashed into your son have a policy against it, even if the driver at the time wasn't covered under that policy?
Was the owner the guy who crashed it, or was it stolen?
What type of cover does your son have, FC or TPFT etc?
My son has fully comprehensive insurance so can make a claim but is in danger of losing his NCB and also will incur his £650 excess.
I agree that the police cannot stick to speed limits etc in such circumstances, but am also mindful that they must have some duty of care to call off pursuits in built up areas as if they had done earlier, the accident may not have happened.
Either way, it is a really s
t position for my son to be in and I am just looking for potential avenues to minimise his losses.Theoldfm said:
The car that hit my sons was stolen and with no insurance....!
My son has fully comprehensive insurance so can make a claim but is in danger of losing his NCB and also will incur his £650 excess.
I agree that the police cannot stick to speed limits etc in such circumstances, but am also mindful that they must have some duty of care to call off pursuits in built up areas as if they had done earlier, the accident may not have happened.
Either way, it is a really st position for my son to be in and I am just looking for potential avenues to minimise his losses.
Was the car insured before it was stolen? Do a mid check.My son has fully comprehensive insurance so can make a claim but is in danger of losing his NCB and also will incur his £650 excess.
I agree that the police cannot stick to speed limits etc in such circumstances, but am also mindful that they must have some duty of care to call off pursuits in built up areas as if they had done earlier, the accident may not have happened.
Either way, it is a really s
t position for my son to be in and I am just looking for potential avenues to minimise his losses.If it was, then the owners insurance will pay up, as the thief was identified. (strangely, if the thief got away and was not identified then they would not be liable)
If there was no insurance on the car at all then you are s
t out of luckEdited by JDiz on Tuesday 17th September 22:00
Theoldfm said:
I agree that the police cannot stick to speed limits etc in such circumstances, but am also mindful that they must have some duty of care to call off pursuits in built up areas as if they had done earlier, the accident may not have happened.
Perhaps, perhaps not. Hindsight is wonderful.
Pursuits inherently carry risk with them. If that risk is realised e.g. there's a collision, that doesn't invalidate the justification for the pursuit.
Theoldfm said:
The car that hit my sons was stolen and with no insurance....!
My son has fully comprehensive insurance so can make a claim but is in danger of losing his NCB and also will incur his £650 excess.
I agree that the police cannot stick to speed limits etc in such circumstances, but am also mindful that they must have some duty of care to call off pursuits in built up areas as if they had done earlier, the accident may not have happened.
Either way, it is a really st position for my son to be in and I am just looking for potential avenues to minimise his losses.
So they should stop pursuing a criminal, allow them to get away with theft, and motoring offences to mitigate the risk of them damaging someone's car, while they as good as guarantee someone doesn't get thier stolen car back?My son has fully comprehensive insurance so can make a claim but is in danger of losing his NCB and also will incur his £650 excess.
I agree that the police cannot stick to speed limits etc in such circumstances, but am also mindful that they must have some duty of care to call off pursuits in built up areas as if they had done earlier, the accident may not have happened.
Either way, it is a really s
t position for my son to be in and I am just looking for potential avenues to minimise his losses.ging84 said:
So they should stop pursuing a criminal, allow them to get away with theft, and motoring offences to mitigate the risk of them damaging someone's car, while they as good as guarantee someone doesn't get thier stolen car back?
I agree with you - but please also see me comments above about looking at avenues to mitigate his loss. If you don’t ask etcTheoldfm said:
Either way, it is a really st position for my son to be in and I am just looking for potential avenues to minimise his losses.
I don't know if it's worth giving them a call as they seem to be about injuries, but content in the first paragraph seemed relevant:t position for my son to be in and I am just looking for potential avenues to minimise his losses.https://www.accident-compensation-information.co.u...
They be able to recommend another firm that deals with losses rather than injuries or advise on whether your son has a case.
200 yds? How long is that in seconds? Some people cast that far when fishing or whack a Golf ball that far. 200 yds doesn't seem much at all.
Edited by carinaman on Tuesday 17th September 22:30
aka_kerrly said:
Worth noting since you have fully comprehensive insurance you are not eligible to claim from the MIB so you really are expected to claim off your own policy, it is after all why you have one.
If you only had third party insurance you could claim from MIB.
That sounds a bit crap! I wonder if you can get 'two tier' insurance. Fully comp when you are driving but only 3rd party if you are parked, I guess not If you only had third party insurance you could claim from MIB.
And what kind of thoughtless person goes about getting involved in high speed pursuits in stolen cars that aren't even insured, that is so selfish!
aka_kerrly said:
Worth noting since you have fully comprehensive insurance you are not eligible to claim from the MIB so you really are expected to claim off your own policy, it is after all why you have one.
If you only had third party insurance you could claim from MIB.
My missus claimed off the MIB after she got punted in the rear and the driver ran off. She was fully comp and the other car was insured but she couldn’t claim against the others insurance apparently. Claimed on her own and then went through the MIB. Took about 2.5 years to sort out as they are seriously slow.If you only had third party insurance you could claim from MIB.
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