HELP!! Been in a prang with a provisional licence holder!

emmy05

onedaymyfriend wrote: »

Who mentioned me covering up for her?? All I was ever interested in was making sure my car got sorted! I couldn't give a sh#t about her.

When we had the accident, she did ask if I would let her bro do the work on my car. She didn't mention giving me cash until today.

D#

and i would never agree to someone who had crashed into my car to have a family member or close friend of theirs fix my car either

thescouselander

As you are the third party you will probably be covered under the other drivers policy even though they didn't have someone else in the car with them. Its pretty hard for insurance companies to get out of paying for claims by a third party.


Even so I would give your insurance company a call and take their advice.

chuckley

onedaymyfriend wrote: »

Who mentioned me covering up for her?? All I was ever interested in was making sure my car got sorted! I couldn't give a sh#t about her.

When we had the accident, she did ask if I would let her bro do the work on my car. She didn't mention giving me cash until today.

D#

u had already gone to your insurance company.... she fones u about paying cash for you to stop the insurance claim.

had you stopped the claim, you would therefore be 'covering up for her' and in the process committing a big criminal offence. all for the same of an unlicensed chick that will drive on road the same the next day?!

she has already come to you at the accident sayin her bro could do the work... then you say no and proceed with the insurance then she fones about cash a few days later, knowing shes now in the shizzle.

the woman is PURE DODGE.

N1ckR

Have you any real proof to backup her story of only having a provisional licence (how do you know she's not banned for example) ?

If you do go down the route of taking cash...

Get a quote first before accepting cash, could be unseen damage that needs repairing, show them the quote, if they are not happy you can always pursue a claim.

Do not get repairs first, get the money up front OR get them to pay the repairs in advance.

My last car appeared to have nothing more than a damaged grill and loose headlight, turned out to required £500 to repair, due to bent slam panel and bumper mounts, bent bonnet pin, bumper gained a crack.. ended up being an uneconomical write-off. Was with a taxi driver who wanted to pay me £80 cash, glad I took the insurance route (after getting quote, but had informed insurance company about accident).

onedaymyfriend

Hi guys,

Well I wasn't expecting this, I woke up today and my neck & shoulders are so stiff! When I turn my head to the left, I get pains in my lower back! It's even uncomfortable to sit at work! I've informed my insurance company who asked me to get in touch if I felt any discomfort, I should hear from their Solicitors in the next couple of days. I get the impression that this could be a long draw out process. Oh well.

Thanks to everyone involved in my thread,

D#

emmy05

sorry to hear that, and i hope you manage to get things sorted out as well, hugs to you

switch007

You should absolutely report this to the police. I guess you should have done this straight away though. However, if you are dead set on accepting her cash, double or tripple what she is offering for you not to report and sue her.

Wouldn't any insurance she has be invalidated by the fact she was driving ILLEGALY???

Useless_with_wonga

FlameCloud wrote: »

I'm sorry to say but this is completly rubbish. As Rasskaz says, the road traffic act clearly states that the insurer cannot avoid the 3rd parties claim by relying on its own terms. The OP would be best suited to ignore what you've said.

Ok what would i know;) Fine if you think she is insured!!! She is not insured because she does not hold a licence to drive unsupervised (Provisional)
She has invalidated her insurance by failing to abide by the terms of her licence. All insurance is issued on the proviso that you hold a licence to drive the vehicle you are insuring. By your logic i could insure an articulated lorry and drive it about and still be insured even though i have no licence for such a vehicle.

raskazz

Useless_with_wonga wrote: »

Ok what would i know;)

Well, apparently, nothing about motor insurance or the laws which govern the compulsory insurance or securitisation against third party liabilities arising out of the use of a vehicle on the road.

Useless_with_wonga wrote: »

Fine if you think she is insured!!! think i'll just go out and drive an Artic on my provisional class C it'll be fine as long as i insure myself but fail to abide by the terms of the insurance i'll still be insured by your logic. Baffoon:rolleyes:

To be blunt, it is you who is the buffoon (assuming you aren't just trolling). I suggest you read sections 143-152 of the Road Traffic Act 1988, specifically section 151(3).

The whole point of compulsory motor insurance is that innocent victims are compensated for the actions of negligent motorists. If an insurer would escape such third party liabilities via the enforcement of their own policy terms then the compulsory nature of motor insurance would be totally redundant.

In the example you give, assuming that the truck was otherwise insured, the insurer of the truck would have to satisfy any third party claims (because of the aforementioned Act), however they would then look to recover their costs from you because you breached the policy terms.

onedaymyfriend

switch007 wrote: »

You should absolutely report this to the police. I guess you should have done this straight away though. However, if you are dead set on accepting her cash, double or tripple what she is offering for you not to report and sue her.

Wouldn't any insurance she has be invalidated by the fact she was driving ILLEGALY???

!!!!!!!! Who's dead set on taking her cash?? Please read all the posts mate.