Accident while not insured...
Discussion
A guy who works for me has had an accident this morning (his fault) and has just told me that he wasn't insured at the time 
Just wondering what the usual penalty is for causing an accident whilst not being insured. Both cars involved appear to be write offs. Add to that the 2 occupants of the car that was hit have injuries.
What can he expect to get for this? Fine, points or disqualification?
Just wondering what the usual penalty is for causing an accident whilst not being insured. Both cars involved appear to be write offs. Add to that the 2 occupants of the car that was hit have injuries.
What can he expect to get for this? Fine, points or disqualification?
thinfourth2 said:
He works, in his own car
He will be stuffed
If he was unemployed and had stolen the car then nothing would happen
The latter doesn't suprise me. Often see on road wars etc. that "twoccers" often get away with a measly fine if anything He will be stuffed
If he was unemployed and had stolen the car then nothing would happen
He works (part time) and this was his own car, paid for in full (not financed).
The Crack Fox said:
Was he on company business ? Take extra care if he was, there's a risk liability may pass to you.
Oh, and sack the
, please.
No, luckily he wasn't. Oh, and sack the
, please.Makes me laugh as he's only just bought the car (last week) and spent 2-3 days polishing and buffing the bodywork, shampooing interior, servicing engine etc etc and didn't think to spend 10 minutes sorting out the insurance!
I had a MG Midget on a fully comp' other vehicles are covered policy and swaped it for a B GT. I was hit head on in my fathers car by someone overtaking on a blind bend and when I phoned my insurance to let them know they told me they no longer covered second vehicles on their policy and I was not insured.
I got a fifty six day ban and had to pay court costs of £375 instead of a fine. Because I was the uninsured driver the colision was automatically my fault. If I had known I was not covered i would not have been driving my dads car and either the colision would not have happened or it would have been my MG that was writen off. As well as IN10 for no insurance I was also given CD10 Driving without due care for causing the colision (even though my driving was in no way at fault).
I took out a bank loan to pay for dads and the other guys cars. The driver who hit me claimed £5,000 compensation for an imaginary back injury and £2,143.36 in legal fees thanks to the no win no fee shysters. This I now have to pay the M.I.B
So as well as being punished by the court. I am punished every time I get an insurance quote because I'm high risk even though it is the only accident I have ever had and wasn't my fault. I am also being punished pursued and harrassed by the M.I.B.
So you're friend is as as I am if not worse.
I got a fifty six day ban and had to pay court costs of £375 instead of a fine. Because I was the uninsured driver the colision was automatically my fault. If I had known I was not covered i would not have been driving my dads car and either the colision would not have happened or it would have been my MG that was writen off. As well as IN10 for no insurance I was also given CD10 Driving without due care for causing the colision (even though my driving was in no way at fault).
I took out a bank loan to pay for dads and the other guys cars. The driver who hit me claimed £5,000 compensation for an imaginary back injury and £2,143.36 in legal fees thanks to the no win no fee shysters. This I now have to pay the M.I.B
So as well as being punished by the court. I am punished every time I get an insurance quote because I'm high risk even though it is the only accident I have ever had and wasn't my fault. I am also being punished pursued and harrassed by the M.I.B.
So you're friend is as
as I am if not worse. emicen said:
I thought the penalty for no insurance and accident was 9pts but not sure.
IN10 and a possible six points and up to a maximum £1,000 for no insurance and up to nine points for the colision if the driver is at fault as well. Careless or Dangerous driving will be treated as a seperate offence and may even have a different date in court. Liquid Knight said:
I had a MG Midget on a fully comp' other vehicles are covered policy and swaped it for a B GT. I was hit head on in my fathers car by someone overtaking on a blind bend and when I phoned my insurance to let them know they told me they no longer covered second vehicles on their policy and I was not insured.
I got a fifty six day ban and had to pay court costs of £375 instead of a fine. Because I was the uninsured driver the colision was automatically my fault. If I had known I was not covered i would not have been driving my dads car and either the colision would not have happened or it would have been my MG that was writen off. As well as IN10 for no insurance I was also given CD10 Driving without due care for causing the colision (even though my driving was in no way at fault).
I took out a bank loan to pay for dads and the other guys cars. The driver who hit me claimed £5,000 compensation for an imaginary back injury and £2,143.36 in legal fees thanks to the no win no fee shysters. This I now have to pay the M.I.B
So as well as being punished by the court. I am punished every time I get an insurance quote because I'm high risk even though it is the only accident I have ever had and wasn't my fault. I am also being punished pursued and harrassed by the M.I.B.
So you're friend is as as I am if not worse.
Wow that's harsh - especially if the accident wasn't even your fault. Cheeky fI got a fifty six day ban and had to pay court costs of £375 instead of a fine. Because I was the uninsured driver the colision was automatically my fault. If I had known I was not covered i would not have been driving my dads car and either the colision would not have happened or it would have been my MG that was writen off. As well as IN10 for no insurance I was also given CD10 Driving without due care for causing the colision (even though my driving was in no way at fault).
I took out a bank loan to pay for dads and the other guys cars. The driver who hit me claimed £5,000 compensation for an imaginary back injury and £2,143.36 in legal fees thanks to the no win no fee shysters. This I now have to pay the M.I.B
So as well as being punished by the court. I am punished every time I get an insurance quote because I'm high risk even though it is the only accident I have ever had and wasn't my fault. I am also being punished pursued and harrassed by the M.I.B.
So you're friend is as
as I am if not worse. ker claiming £5000 compensation! He wouldn't have had a "bad back" if he wasn't overtaking recklessly. What a !The Crack Fox said:
Was he on company business ? Take extra care if he was, there's a risk liability may pass to you.
Oh, and sack the, please.
Sounds like you may have escaped a hammering, if he was 'on the job' at the time you may be vicariously liable as his employer for any claims against him.Oh, and sack the
, please.OP's employee is fked! . . . . if he can’t afford to pay for the other persons car, injuries and other costs AND he has any assets, they will at best have a charge against them and at worst the courts will force a sale. . . . .if he has nothing of value, he may get away with "simply" getting fked by the courts for being so stupid (ban/points/fine) have the cost of his accident taken from his wages and face paying massively increased premiums when he can eventually afford another car.
Had he been a scrote, without a job or assets, he’d wander away with a smaller fine and maybe a few pounds a week out of his benefits!
ked! . . . . if he can’t afford to pay for the other persons car, injuries and other costs AND he has any assets, they will at best have a charge against them and at worst the courts will force a sale. . . . .if he has nothing of value, he may get away with "simply" getting fked by the courts for being so stupid (ban/points/fine) have the cost of his accident taken from his wages and face paying massively increased premiums when he can eventually afford another car.Had he been a scrote, without a job or assets, he’d wander away with a smaller fine and maybe a few pounds a week out of his benefits!
W7NNS said:
What can he expect to get for this? Fine, points or disqualification?
The range is 6-8 points for uninsured vehicle use, although the fact that he was involved in an accident makes a ban more probable - and it would likely be months, rather than weeks.The maximum fine is £5,000 and aside from courts costs and the Victim Support Surcharge which he would be liable for upon conviction, I suspect that any insurance quotes he obtained in the next 5 years would be eye-watering.
Tallbut Buxomly said:
Nothing new LK. I would question the insurance not being valid thing though as if the policy when originally taken out DID cover when they stopped covering other cars they should have informed you.
If they didnt do so then they may have voided the insurance themselves and be liable.
I tried that. The Midget was 1981 and the B GT was 1979 so the policy was changed to a "Classic" policy with domestic social and pleasure instead of a normal comprehensive one. Apparently they sent me a letter informing me of the changes but all I got was the new certificate.If they didnt do so then they may have voided the insurance themselves and be liable.
They stopped it so people wouldn't take out a policy on a Mini and write off daddies BMW. I can understand where they were coming from but it has been a nightmare ever since. This year I've paid over 10% of my anual income on insurance and it's dead money as far as I'm concerned. I won't see any of it back at least.
Aside from a lot of points, possible ban, large fine, being reamed on premiums the next 5/10 years, maybe worse ... has he any assets?
WRT the looming personal injury claims, he needs to be researching bankruptcy.
I do hope he hasn't got dependants, the repercussions will be mightily unfair on them, although if he is married with kids, and has little or no equity, they shouldn't lose the house.
WRT the looming personal injury claims, he needs to be researching bankruptcy.
I do hope he hasn't got dependants, the repercussions will be mightily unfair on them, although if he is married with kids, and has little or no equity, they shouldn't lose the house.
richardxjr said:
Aside from a lot of points, possible ban, large fine, being reamed on premiums the next 5/10 years, maybe worse ... has he any assets?
WRT the looming personal injury claims, he needs to be researching bankruptcy.
I do hope he hasn't got dependants, the repercussions will be mightily unfair on them, although if he is married with kids, and has little or no equity, they shouldn't lose the house.
He's not got any assets that I know of - he lost his house last year. Back living with his 'rents now so guess there's not much they can do on that score? As mentionned above - maybe take a percentage of his wage until damages have been paid in full?WRT the looming personal injury claims, he needs to be researching bankruptcy.
I do hope he hasn't got dependants, the repercussions will be mightily unfair on them, although if he is married with kids, and has little or no equity, they shouldn't lose the house.
W7NNS said:
richardxjr said:
Aside from a lot of points, possible ban, large fine, being reamed on premiums the next 5/10 years, maybe worse ... has he any assets?
WRT the looming personal injury claims, he needs to be researching bankruptcy.
I do hope he hasn't got dependants, the repercussions will be mightily unfair on them, although if he is married with kids, and has little or no equity, they shouldn't lose the house.
He's not got any assets that I know of - he lost his house last year. Back living with his 'rents now so guess there's not much they can do on that score? As mentionned above - maybe take a percentage of his wage until damages have been paid in full?WRT the looming personal injury claims, he needs to be researching bankruptcy.
I do hope he hasn't got dependants, the repercussions will be mightily unfair on them, although if he is married with kids, and has little or no equity, they shouldn't lose the house.
I'm not advocating bankruptcy, but looks inevitable given the circumstances and he should research it. It won't cover fines by the way.
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