Low speed accident - other driver not insured...
Discussion
I did do a search for 'uninsured driver', but didn't get the info I was after, hence the post.
So I'm at a crossroads to a larger road. I'm turning left, and waiting for a clearance in the traffic. I can see another car opposite me wanting to turn right, but neither of us are going anywhere because the traffic is heavy (5.30pm)
I get a break in the traffic and move out. The bloke opposite me sees the break and also moves off, but tries to cut in front of me. He's now on the wrong side of the road, and a car is approaching him. He swerves over and juuuust hits the front of my car (I had got off the gas but not not onto the brake in time) with the rear quarter of his.
Low speed, no major damage, both of us uninjured. We swap registrations and names and I go home and ring the insurance company. This was on Monday 5th. They say they will contact his insurers. They ring back today to say that there's no record of any insurance on the other car. Arse
I check we have protected NCB, and yes, we do - but with a £250 excess. My urine is simmering nicely with the thought that this c.unt has damamged my car and I have to stump up the first £250.
Will the Cops be after this bloke? Will the insurers chase him for my £250 excess? Howcan a car be uninsured these days? I thought it was all on a central database and that non-payers had their car impounded?
Any help appreciated.
So I'm at a crossroads to a larger road. I'm turning left, and waiting for a clearance in the traffic. I can see another car opposite me wanting to turn right, but neither of us are going anywhere because the traffic is heavy (5.30pm)
I get a break in the traffic and move out. The bloke opposite me sees the break and also moves off, but tries to cut in front of me. He's now on the wrong side of the road, and a car is approaching him. He swerves over and juuuust hits the front of my car (I had got off the gas but not not onto the brake in time) with the rear quarter of his.
Low speed, no major damage, both of us uninjured. We swap registrations and names and I go home and ring the insurance company. This was on Monday 5th. They say they will contact his insurers. They ring back today to say that there's no record of any insurance on the other car. Arse
I check we have protected NCB, and yes, we do - but with a £250 excess. My urine is simmering nicely with the thought that this c.unt has damamged my car and I have to stump up the first £250.
Will the Cops be after this bloke? Will the insurers chase him for my £250 excess? Howcan a car be uninsured these days? I thought it was all on a central database and that non-payers had their car impounded?
Any help appreciated.
do you know the extent of the truth/falsehood of the info given?
When this happened to me, I had to take it on the chin as a "fault" accident. Kept no claims but paid excess. The other car had a made up plate, but the driver gave me an address which was the local take-away (for which he dleivered). Not his addy, but somewhere he could be contacted strangely enough (I went there and spoke to him afterwards).
When it was clear what had happened, I reported the incident at the police station where I worked and they said get stuffed. So I tried at the station closest to the accident. They took the details and made some "investigations" but nothing came of it.
I suggest you try your local plod-shop and see where you get to.
Bert
When this happened to me, I had to take it on the chin as a "fault" accident. Kept no claims but paid excess. The other car had a made up plate, but the driver gave me an address which was the local take-away (for which he dleivered). Not his addy, but somewhere he could be contacted strangely enough (I went there and spoke to him afterwards).
When it was clear what had happened, I reported the incident at the police station where I worked and they said get stuffed. So I tried at the station closest to the accident. They took the details and made some "investigations" but nothing came of it.
I suggest you try your local plod-shop and see where you get to.
Bert
Please keep this updated and tell us that the police were interested, they took action and procsecuted the scum.
I would so much love to hear that but the honest truth is right now my opinion of the police (or more probably their targets from the PTB) is such they couldn't care less.
They would rather chase down an insured, taxed, fully subscribed, functioning contributor to the UK plc who's guilty of nothing more than safely exceeding a speed limit.
But how about proving me wrong and making this particular fully (and I mean fully) paid up citizen of UK plc a little bit happier. Please?
SM
I would so much love to hear that but the honest truth is right now my opinion of the police (or more probably their targets from the PTB) is such they couldn't care less.
They would rather chase down an insured, taxed, fully subscribed, functioning contributor to the UK plc who's guilty of nothing more than safely exceeding a speed limit.
But how about proving me wrong and making this particular fully (and I mean fully) paid up citizen of UK plc a little bit happier. Please?
SM
supermono said:
But how about proving me wrong and making this particular fully (and I mean fully) paid up citizen of UK plc a little bit happier. Please?
In the words of that great philospher Manuel (Fawlty Towers)...
Ees no possibel
The police have told me that all investigations must initially go through Direct Line (my ins. co.) and only if they draw a blank will they look at the possibility of entertaining criminal action.
TBH, I don't think they'll even investigate - it just pisses me off that I have to pay a £250 excess because (a) they were driving like a retard, and (b) they were uninsured
Makes me mad, all this talk about we'll charge you per mile etc etc from the government, they can only charge you if your legal, have insurance, car registered to you etc, as I said in an earlier post 10% of all cars driven on the road are driven without insurance, but for some reason it doesnt appear to register anywhere as important.
And it wont get better, and honest people like you and me, will end up getting screwed by this scum who think its there god given right to have a car, but cant afford to insure the car and have 3 holidays per year.
People with no insurance should have their car crushed, licence taken away for 3 years, and have a big tattoo on their foreheads saying, I AM SCUM.
Why cant this issue be sorted, it can in alot of other countries with compulsary third party insurance IE Australia
And it wont get better, and honest people like you and me, will end up getting screwed by this scum who think its there god given right to have a car, but cant afford to insure the car and have 3 holidays per year.
People with no insurance should have their car crushed, licence taken away for 3 years, and have a big tattoo on their foreheads saying, I AM SCUM.
Why cant this issue be sorted, it can in alot of other countries with compulsary third party insurance IE Australia
brenmona said:
Makes me mad, all this talk about we'll charge you per mile etc etc from the government, they can only charge you if your legal, have insurance, car registered to you etc, as I said in an earlier post 10% of all cars driven on the road are driven without insurance, but for some reason it doesnt appear to register anywhere as important.
So the Police don't set up ANPR operations to deal exactly with this type of offence and they don't seize the vehicles involved ?
brenmona said:
People with no insurance should have their car crushed, licence taken away for 3 years, and have a big tattoo on their foreheads saying, I AM SCUM.
Funny you should mention tattoos - the other driver had them EVERYWHERE! Arms, knuckles, neck, anywhere you could put a scum-stamp. Best bit was when he got out of his car and started to walk towards me in his most menacing manner.
He was about 5' 8", skinny little runt who probably beats his kids as a form of entertainment. As he's walking towards the car I got out, and I'm 6' 5", I weigh 19 stone with very little bodyfat, and train at the gym 3 times a week. He didn't bother trying it on...
Edited by GarrettMacD on Thursday 15th March 19:51
vonhosen said:
So the Police don't set up ANPR operations to deal exactly with this type of offence and they don't seize the vehicles involved ?
Vonhosen, I am aware of roadside ANPR, isn't it supposed to be a centralised database now, with Tax, MoT and insurance data held as one??? This explains how I can tax my car online - I enter the car reg and it identifies that I have a valid MoT and Insurance. How are people evading it???
FYI, the car in question was UK registered.
vonhosen said:
brenmona said:
Makes me mad, all this talk about we'll charge you per mile etc etc from the government, they can only charge you if your legal, have insurance, car registered to you etc, as I said in an earlier post 10% of all cars driven on the road are driven without insurance, but for some reason it doesnt appear to register anywhere as important.
So the Police don't set up ANPR operations to deal exactly with this type of offence and they don't seize the vehicles involved ?
I dont know? Do they? No one told me.
GarrettMacD said:
vonhosen said:
So the Police don't set up ANPR operations to deal exactly with this type of offence and they don't seize the vehicles involved ?
Vonhosen, I am aware of roadside ANPR, isn't it supposed to be a centralised database now, with Tax, MoT and insurance data held as one??? This explains how I can tax my car online - I enter the car reg and it identifies that I have a valid MoT and Insurance. How are people evading it???
FYI, the car in question was UK registered.
Unless they are physically stopped driving or are spoken to by Police following incidents such as yours , they will evade it.
As far as I'm concerned.
Your collision is a reportable collision as there is evidence of an offence & Police should report & investigate.
vonhosen said:
GarrettMacD said:
vonhosen said:
So the Police don't set up ANPR operations to deal exactly with this type of offence and they don't seize the vehicles involved ?
Vonhosen, I am aware of roadside ANPR, isn't it supposed to be a centralised database now, with Tax, MoT and insurance data held as one??? This explains how I can tax my car online - I enter the car reg and it identifies that I have a valid MoT and Insurance. How are people evading it???
FYI, the car in question was UK registered.
Unless they are physically stopped driving or are spoken to by Police following incidents such as yours , they will evade it.
As far as I'm concerned.
Your collision is a reportable collision as there is evidence of an offence & Police should report & investigate.
Completely agree there. Perhaps it is worth going back to the police station and taking it higher to double check that it is definately the current policy not to chase up drivers who are not insured!?
There is a second option, if you take civil action against the guy then there is no reason to trouble the insurers at all.
If he is negligent in his actions, ie a non-fault claim for you, you can pay for the repairs yourself and ask him to pay. If he does not you can take him to court. It is unlikely that the court will take the side of an uninsured driver over your testimony. That said, 97% of 'small claims cases' are settled before trial as the other guy knows you are not bluffing by that stage... If he still does not pay you can instruct bailiffs, all at the cost of him.
That way you escape with your no-claims and no out of pocket expenses. If you have legal coverage, then this process should be able to be sorted gratis!
justinp1 said:
If he is negligent in his actions, ie a non-fault claim for you, you can pay for the repairs yourself and ask him to pay. If he does not you can take him to court. It is unlikely that the court will take the side of an uninsured driver over your testimony. That said, 97% of 'small claims cases' are settled before trial as the other guy knows you are not bluffing by that stage... If he still does not pay you can instruct bailiffs, all at the cost of him.
That way you escape with your no-claims and no out of pocket expenses. If you have legal coverage, then this process should be able to be sorted gratis!
Ah but the Chavs can escape this as well. I took a a guy to court for a non road matter. Won in court. Still no payment so bailiffs go round. Scumbag denied it was him and then moved before they could go back. Since he doesn't register on electoral roll, rent a landline or own the house I can't find him to know where to send bailiffs too (assuming he even owns £2k of saleable goods).
I got two very different responses from the police stations I tried.
The first was obnoxious and rude. After explaining what had happened and what I knew, he said I had committed an offence by not reporting in 24 hours. So I explained to him the applicable law. Then he said that I should just grin and bear it as he had had his car keyed the previous week, so it was "that's life mate". Woking BTW
The second (at Epsom) was extremely helpful and took all the details. I had some further correspondence on the progress of the investigation, but in the end nothing came of it.
Bert
The first was obnoxious and rude. After explaining what had happened and what I knew, he said I had committed an offence by not reporting in 24 hours. So I explained to him the applicable law. Then he said that I should just grin and bear it as he had had his car keyed the previous week, so it was "that's life mate". Woking BTW
The second (at Epsom) was extremely helpful and took all the details. I had some further correspondence on the progress of the investigation, but in the end nothing came of it.
Bert
chris_tivver said:
justinp1 said:
If he is negligent in his actions, ie a non-fault claim for you, you can pay for the repairs yourself and ask him to pay. If he does not you can take him to court. It is unlikely that the court will take the side of an uninsured driver over your testimony. That said, 97% of 'small claims cases' are settled before trial as the other guy knows you are not bluffing by that stage... If he still does not pay you can instruct bailiffs, all at the cost of him.
That way you escape with your no-claims and no out of pocket expenses. If you have legal coverage, then this process should be able to be sorted gratis!
Ah but the Chavs can escape this as well. I took a a guy to court for a non road matter. Won in court. Still no payment so bailiffs go round. Scumbag denied it was him and then moved before they could go back. Since he doesn't register on electoral roll, rent a landline or own the house I can't find him to know where to send bailiffs too (assuming he even owns £2k of saleable goods).
Its true that enforcement can be still a problem. However, with bailiffs with the right application they can find people pretty well! it is even possible to get the court to order that the monies are deducted directly from wages or benefits if they really have no assets.
justinp1 said:
If he is negligent in his actions, ie a non-fault claim for you, you can pay for the repairs yourself and ask him to pay. If he does not you can take him to court. It is unlikely that the court will take the side of an uninsured driver over your testimony. That said, 97% of 'small claims cases' are settled before trial as the other guy knows you are not bluffing by that stage... If he still does not pay you can instruct bailiffs, all at the cost of him.
That way you escape with your no-claims and no out of pocket expenses. If you have legal coverage, then this process should be able to be sorted gratis!
Problem here is that said "scum-stamped" Chav knows exactly where this poor guy lives. Take him to court, and if he can't dodge it, the slippery bar steward will probably just get several mates to cause more that £250 worth of damage to house, cars etc. And god knows what else. IMHO if the police don't/ can't do anything about it and the insurance company don't want to know, then i would pay the £250, have a beer and try to forget it. Horrible to you, but far better than harm coming to your property or family by some Chav scum who don't care for anybody but themselves.
had this same thing happen to me. June 2005 - Woman crashed into my nsf wheel, my car was undriveable depite being a low-impact accident. Exchanged numbers, I got a witness (luckily), phoned her in the evening and she refused to give insurance details....long story short, she refused to give any insurance details, denied being involved in an accident, I coughed up £250 in xs, police could not be arsed to do anything at all, 20 months later its all going through the MIB (Motor Insurers Bureau not Men in Black!!) All through the Legal insurance part of my insurance policy
Will I get my xs back? probably not as the MIB have a £300 xs so any money I get has to exceed that amount.
Its going all the way as its the principle I am fighting that this person will not get away with this kind of behaviour.
Will I get my xs back? probably not as the MIB have a £300 xs so any money I get has to exceed that amount.
Its going all the way as its the principle I am fighting that this person will not get away with this kind of behaviour.
I hope you’ll take it further with the police, perhaps put in a complaint. Maybe there is some reason that the police cannot investigate and prosecute.
A friend once had her car bumped by a neighbour in a large caravan park. He refused to accept responsibility and the police refused to attend claiming it was not a public place. That you’ve been let down by the police is not a good feeling.
A friend once had her car bumped by a neighbour in a large caravan park. He refused to accept responsibility and the police refused to attend claiming it was not a public place. That you’ve been let down by the police is not a good feeling.
herewego said:
I hope you’ll take it further with the police, perhaps put in a complaint. Maybe there is some reason that the police cannot investigate and prosecute.
A friend once had her car bumped by a neighbour in a large caravan park. He refused to accept responsibility and the police refused to attend claiming it was not a public place. That you’ve been let down by the police is not a good feeling.
A friend once had her car bumped by a neighbour in a large caravan park. He refused to accept responsibility and the police refused to attend claiming it was not a public place. That you’ve been let down by the police is not a good feeling.
Probably wasn't a 'road' therefore not an RTA. Maybe the reason Police did not attend.
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