Question about car insurance accident related

robnye

i recently had an insurance claim, or rather i notified my insurer of an accident whereby, the other driver was making a call on a mobile phone.
I didnt follow my claim through as my damage was superficial.... dont know what happened to the other driver, last i heard they were claiming it was my fault...... which i denied, i was up front and had pictures to back up my claim ,that they overshot a layby/overtaking bay...... know idea what happened to their claim obvisiouly.

in truth, most accidents whereby someone goes into the back on another is deemed t be at fault, but also the other driver in your case, doesnt sound as though he is covered, althought sometimes fully comp on one vehicle allows 3rd party on another

i would suggest you try (as mentioned) overing half the cost, dont mention the not insurance as yo u cant be sure that he wasnt covered without proof

RabbitMad

Quentin wrote: »

Why would he want to do a deal with a blackmailer?

Blackmail is a very harsh word and something I don't condone, but I thinking this through that is exactly what I am suggesting.

Therefore I've changed my mind, she is clearly at fault for the accident and should just let her insurance deal with this.

cooki2222

even if she is too pay all the costs surely then it must be reported to he police that he was possibly not insured for the car in the accident?

Quentin

Whenever involved in an accident where you suspect an offence has been committed you should report it to the police.

But the (alleged) offence of driving without insurance doesn't mean the negligent driver can get away with damaging the uninsured driver's car!

cooki2222

Best of all it wasn't even the guys car it was his dads

lisyloo

Why would he want to do a deal with a blackmailer?

The logical answer is that he doesn't want to get reported to the polcie for driving without insurance. If no-one reports him then he might get away with it.

Of course, it not moral, but it's the logical answer.

Quentin

How do you regard the the moral values of the average blackmailer?

My question was rhetorical of course. Why would anyone want to do a deal with a blackmailer?

You would never be sure:

1) They won't renege on the deal

2) They won't still grass you

lisyloo

You're a clever guy.

I honestly don't think everyone's thought processes work that way.

It's possible to conceive of a situation where someone does not feel spiteful towards the uninsured driver and both parties see it as a "win win" situation.

Personally I think I'd report them out of a sense of community responsibility because I think people that drive 2 ton vehicles around should take their responsibilities seriously.
But not everyone's thought processes work like mine and some people might even think that's spiteful or "holier than thou".

Takes all sorts.

But it's worthwhile raising the issue.
What happens if a minor injury persists to the point of wanting to claim for personal injury once you've "settled".

Quentin

If you agreed a deal with a blackmailer, you presumably would have the same moral values.

There would be nothing to stop you instigating a claim for the personal injury would there?

lisyloo

Exactly I agree.

I think it's dodgy doing anything outside insurance (with or without balckmail).
People can change their minds over time and injuries can turn out to be worse than expected.

Out of interest - does an amateur "full and final settlement" letter stand up in court?