No Insurance

[fcdave]

A friend of mine has got himself into a bit of a sticky situation so I thought Id post for advice here.

Basically he was driving his sisters car under the assumption that he was covered third party on his own insurance. He ran into the back of another car at a low speed. Upon contacting the insurance company it transpires that he wasnt covered to drive vehicles other then his own.

He has now recieved a letter from the other guys solictors claiming for the damage. He accepts that he should pay for the damage, but he is worried about getting in trouble for being uninsured.

My question is what is the best way to get out of the situation without getting a ban, NS10 etc.

Thanks in advice for your advice

[Calorus]

It'll be an IN10 I think and if he pays up he should avoid it. Tell him to contact the other party's Insurance company directly, but be prepared to pay any damages and take any punishment. At the end of the day, it's lap of the Law.

[fcdave]

Thanks for the reply. The letter was actually from a firm of solictors, not the insurance co. Does that make any difference to the situation?

[jasandjules]

fcdave said:

Thanks for the reply. The letter was actually from a firm of solictors, not the insurance co. Does that make any difference to the situation?

I would be inclined to ask them for 3 quotes to fix the car and pay the middle one......His self, by cheque.

[vonhosen]

If it's in the hands of the other parties solicitors, costs are going to be rising quickly.

[cooperman]

He should not argue, just tell the claimant's solicitors in writing that he accepts liability and will pay in full, subject to being given the prior opportunity to see the estimates.
Everyone is entitled not to make a claim against their insurance and the other party is not entitled to know the name of the insurer if the person responsible agrees in writing to pay in full for all damages and costs/losses.
There is no reason why the police or CPS wopuld be involved unless the police attended at the scene of the accident.

[JoolzB]

jasandjules said:

fcdave said:

Thanks for the reply. The letter was actually from a firm of solictors, not the insurance co. Does that make any difference to the situation?

I would be inclined to ask them for 3 quotes to fix the car and pay the middle one......His self, by cheque.

Surely he is entitled to get the work done to his satisfaction at wherever he wants whether that's the highest quote or lowest? Worth a go though.