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help! accident after insurance company cancelled insurance by mistake
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# 1
foddleboop
Old 18-05-2011, 3:29 PM
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Default help! accident after insurance company cancelled insurance by mistake

Phoned up insurance company today to cancel from Friday. Call got cut off half way through so called back and they said would complete from details already given, but they mistakenly cancelled it effective immediately, not friday.
My husband went out and reversed into another car leaving a big scape down their paint. He paniced and came home. I told him off for leaving the scene and pulled up the emailed insurance details so we could report accident, only to see on cancellation docs that it was not from friday but today.
Phoned up the insurance company who admitted fault after listening to the calls but could not reinstate insurance, only give us new cover for the next 2 days for free. Which would be fine, except my husband hit this car during the gap.
I'm terrified that he's going to be fined and arrested and don't know what will happen.
There was supposedly CCTV at car park. Would never usualy drive off like this. I just don't know what to do
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# 2
Quentin
Old 18-05-2011, 3:42 PM
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Get back to the insurer, tell them of the incident and remind them it was their error and ask that the policy is reinstated. Escalate to a manager if necessary.

Apart from the claim issue, your husband needs the insurance reinstating so that he can cover himself (should anyone have witnessed and reported him leaving the scene) by reporting the collision himself to the police.

Last edited by Quentin; 18-05-2011 at 3:57 PM.
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# 3
foddleboop
Old 18-05-2011, 3:50 PM
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Already escalated to most senior manager- apparently there is no way its possible to cover the 2hr gap! I don't want to tell them of the accident if this is the case as we will then have no leg to stand on and, of course, my husband can't go to the police and admit driving uninsured. I am so angry at him
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# 4
Quentin
Old 18-05-2011, 3:55 PM
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As they have admited their error then they do need to reinstate the policy.

You have not helped your cause by keeping this collision from them!

If the third party gets to find out your car's reg, or other details then the consequences could be severe - police involvement (not stopping/not reporting a collision/driving without insurance) plus you having to pay all repair costs etc yourselves.
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# 5
foddleboop
Old 18-05-2011, 4:03 PM
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urgh I know that's why I'm so so angry. They say that once insurance cancelled cannot be instated only restarted and they is no way to restart retrospectively. So can only be covered from when I phoned them noticing their error. This means that whatever happens if my husband is identified as causing the accident then he will be prosecuted for driving uninsured and we'll have to pay out. I di say well what if they can had had an accident in that time and they said that it wouldn't have been covered
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# 6
Quentin
Old 18-05-2011, 4:09 PM
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As they admitted they cancelled due to their fault you need to get some legal advice on how to deal with this.

But not reporting the accident to them is not going to help should your husband get caught for this!
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# 7
foddleboop
Old 18-05-2011, 4:17 PM
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The trouble is nothing is going to help I think at this stage if my husband gets caught for this.

Thank you btw for your advice. I guess I'll have to speak to someone legal!
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# 8
Quentin
Old 18-05-2011, 4:38 PM
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No, nothing can help over the legal implications of him not stopping after the collision.

But separately you said in your OP that your insurer admitted their fault in cancelling the policy in error (which they have "confirmed" by starting you a new one at no charge to you).

So should there be lack of insurance implications over this, then you do need to get legal advice on getting your insurer to reinstate the policy completely so that at no time you had no cover.
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# 9
foddleboop
Old 18-05-2011, 4:50 PM
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ok so if he goes back to the car park in question tomorrow and leaves his details, claiming he didn't notice the damage til he got home- which is feasible it's one1m scape down side of the car from reversing into too small a space (and to be fair he didn't realise how bad it was til he got home)- then that should get him out of that aspect? And I guess if we offer to settle out of pocket to the car owner if they do come back about it then we should be ok, as the insurance situation is arguable?
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# 10
Quentin
Old 18-05-2011, 4:57 PM
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There is the possibility to consider that someone witnessed this, and has taken down your reg. and passed it on/reported it to the police/the third party has already passed this over to his insurer/solicitor to deal with etc.

In which case your hubby might get a call from the police (when the non-insurance side of this may turn into a big problem).

Or the third party may contact your insurer direct/via his insurer, when your insurer will find out about the collision anyway, consider you were not insured and react accordingly.

So it's your call on how to deal with this!
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# 11
foddleboop
Old 18-05-2011, 5:09 PM
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He's 100% sure there's no witnesses- no one in or around car park at the time. If you're right and it's already in process then there is literally nothing we can do, and it will likely look better if he's come forward about the accident to the car park, however if there isn't anything in the pipeline yet then reporting an uninsured accident to the police/ insurer is the worst possible course of action
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# 12
huckster
Old 18-05-2011, 5:22 PM
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What utter bollards !!. If the Insurers made a mistake cancelling the policy from the wrong date, they can resolve this. All they need to do is speak to their IT people and they will reinstate the record, so it can be cancelled from the correct date. I have experience of working in Insurance and IT, so know companies can do this if they are have to. Or there will be a manual workaround solution e.g. system endorsement.

Suggest that you speak to a team leader or manager at the Insurers to get the cancellation date corrected. You never know there could be hidden CCTV camera that he had not noticed. When you speak to Insurers explain that you have taken advice and do not want the risk of having had the car on the road uninsured due an error by the Insurers. e.g the car could have been picked up on a speed camera without your knowledge.
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# 13
foddleboop
Old 18-05-2011, 5:45 PM
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Spoken to them again and they said that the system couldn't be altered however that it is completely their fault and if I had been picked up by number plate recognition tech they would advise police that this was administrative error on their part and that the car was covered during the 2-3 hr gap.
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# 14
Morph4610
Old 18-05-2011, 5:57 PM
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I think they're making the point that they can't physically produce a document which backdates cover BUT NOT that you weren't insured. I'd be really open and honest with them about the accident. Which company are we talking about by the way?
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# 15
real1314
Old 18-05-2011, 6:12 PM
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Quote:
Originally Posted by foddleboop View Post
Spoken to them again and they said that the system couldn't be altered however that it is completely their fault and if I had been picked up by number plate recognition tech they would advise police that this was administrative error on their part and that the car was covered during the 2-3 hr gap.
What about the poor sod who's car's been scraped?

You need to tell the police what happened, tell the insurance what happened and get onto the Financial Ombudsman for advice on what the Insurance Co need to do to sort things out.

The funny things is, that your hubby didn't know the insurnace was cancelled when he left the scene, without a care for the other person's car. Hmm.
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# 16
huckster
Old 18-05-2011, 6:27 PM
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Some won't agree with this, but I will post anyway.

Yes he made a mistake not leaving his details and he could fess up, but I am not sure this would be a good idea. What is he going to do, go into a Police station to report the information, just in the hope the other driver has or will contact the Police, so they don't lose out. I am not sure how the Police will treat this admission. Or he could tell the car park people, so they can pass on his details, so the Police are not involved.

On the other had he could just remain oblivous to what happened and deal with the matter when and if it rears its ugly head. If there is no CCTV or witness, I am not sure how he would be found.

I know what I would do in this situation, which I will keep to myself.
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# 17
vaio
Old 18-05-2011, 6:58 PM
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Quote:
Originally Posted by foddleboop View Post
Spoken to them again and they said that the system couldn't be altered however that it is completely their fault and if I had been picked up by number plate recognition tech they would advise police that this was administrative error on their part and that the car was covered during the 2-3 hr gap.
That’s the crucial bit, he was covered and the insurance company will confirm this (so no conviction for driving without insurance) and pay any claims during (so no need to pay out of your own pocket for the damage)

All hubby needs to do now is the right thing and do his best to get in touch with the owner of the car he damaged either by revisiting the car park etc or, if that doesn’t work in the next 24 hours, by reporting it to the police.
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# 18
foddleboop
Old 19-05-2011, 5:35 PM
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Just to update
real1314; My husband suffers from an anxiety condition and he did blindly panic. He did not leave the scene without a care- he returned home in a total tizzy. He did inspect the damage on the other persons car before he left and thought it was not that bad. I do understand that it sounds suspicious- I thought so too! However he really is just prone to panic. We were selling the car today which added to his state of confusion. It was also a 98 ford fiesta so hardly someone's band new fancy lexus. The scratch on our car has disappeared after a quick polish so the whole thing is not as bad as you seem to imply.
We went back to car park today and asked if if anyone had mentioned their car being scraped yesterday- no. We left our phone number but if nothing is heard in a few days I imagine all is well. To be honest if it was my 98 ford fiesta with a scratch I probably wouldn't bother!
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# 19
vaio
Old 19-05-2011, 5:56 PM
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Quote:
Originally Posted by foddleboop View Post
Just to update
real1314; My husband suffers from an anxiety condition and he did blindly panic. He did not leave the scene without a care- he returned home in a total tizzy. He did inspect the damage on the other persons car before he left and thought it was not that bad. I do understand that it sounds suspicious- I thought so too! However he really is just prone to panic. We were selling the car today which added to his state of confusion. It was also a 98 ford fiesta so hardly someone's band new fancy lexus. The scratch on our car has disappeared after a quick polish so the whole thing is not as bad as you seem to imply.
We went back to car park today and asked if if anyone had mentioned their car being scraped yesterday- no. We left our phone number but if nothing is heard in a few days I imagine all is well. To be honest if it was my 98 ford fiesta with a scratch I probably wouldn't bother!
What a horrible post, it manages nasty, arrogant & pathetic all in one go.

You damaged someone else’s car and should put it right, not squirm & try and justify it on the grounds “OH was tizzy” or “it was only an old fiesta”. If he stopped to inspect the damage he should have taken the number or even, perish the thought, left a note on the windscreen like any decent person would have done

Utterly pathetic and you should be ashamed
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# 20
huckster
Old 19-05-2011, 6:03 PM
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Quote:
Originally Posted by vaio View Post
What a horrible post, it manages nasty, arrogant & pathetic all in one go.

You damaged someone else’s car and should put it right, not squirm & try and justify it on the grounds “OH was tizzy” or “it was only an old fiesta”. If he stopped to inspect the damage he should have taken the number or even, perish the thought, left a note on the windscreen like any decent person would have done

Utterly pathetic and you should be ashamed
Not a very nice post vaio. If you have ever known anyone with a diagnosed anxiety condition or other mental health condition, you will understand why your post is so wrong.

I tend to take peoples word for it, rather than take the typical 'Daily Mail' readers line on such issues. If I have proof to the contrary that it is just an excuse, I change my mind.
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