insured driver, uninsured car accident, advice sought

Chippy_Minton_2

vaio wrote: »

No need to report it to the police.

Isn't there?

Road Traffic Collisions (Accidents)



Definition of a Reportable Collision

If owing to the presence of a vehicle on a road an accident occurs which causes injury or damage to:

• a person - other than the driver of that vehicle an animal - other than an animal being carried in that vehicle or trailer ("animal" means horse, !!!, mule, cattle, sheep, pig, goat or dog)
• a vehicle - other than the vehicle which caused the accident
• property constructed on, affixed to, growing in, or otherwise forming part of the land where the road is.

The driver must stop and give their name and address, the name and address of the owner of the vehicle and registration number of the vehicle to a person having reasonable grounds for requiring that information.
If for any reason the driver does not give his name and address, it must be reported at a police station or to a constable, in person, as soon as reasonably practicable and in any case within 24 hours.


Initial Report

If the answer is yes to any of the following questions, then the attendance of the police is required:

• is anyone injured?
• is there any suggestion that any driver has consumed alcohol?
• is the road obstructed?
• is the caller making allegations against the other driver.

How about the allegation of no insurance?

Chippy_Minton_2

tigerlily wrote: »

If its any help I am due to pick up a new kia from the dealer on Thursday, it comes with 7 days free insurance. Might be worth checking that out to see if you are covered on the new car with anything similar.

Watch the excess it will be at least £500-00.

Chippy_Minton_2

geri1965 wrote: »

You don't have to have insurance of your own to claim against someone else's.

Ownership of the vehicle is of relevance. You're the one who is misunderstanding.

No I agree you don't but the insurance company will wish to deal with the other insurance company when it comes to a two vehicle collision.


I think I have understood it quite well, the OP's wife has no insurance for the car she was driving. The OP has not posted anything different.

vikingaero

It's unlikely the OP has benefit of free 7 day insurance cover that a lot of dealers offer. For this you have to actively phone up the insurer (often Aviva) and request the free 7 days cover. Then an email of the cover note is sent to the dealer.

If the OP bought the car from a secondhand dealer then it's even less likely they'll have this cover.

TBeckett100

your wife could technically claim compensation if she was injured.

Doozergirl

Chippy_Minton wrote: »

Isn't there?

Not based on what you've posted no. They're not making any 'allegations'.

geri1965_2

Chippy_Minton wrote: »

No I agree you don't but the insurance company will wish to deal with the other insurance company when it comes to a two vehicle collision.

I give up.

Chippy_Minton_2

Doozergirl wrote: »

Not based on what you've posted no. They're not making any 'allegations'.

Allegations for reportable collisions means offences disclosed ie no insurance.

Ask yourself this question, next time your out in your car and you were rear ended by an uninsured driver what would you want/expect the police to do about it?


Judging by your understanding of the RTA I'd guess nothing and you wouldn't bother to call the police and just claim on your own policy.

And before you reply remember the RTA states noting about knowing or being related to the other party.

geri1965_2

Yeah, the OP is likely to want to report his wife for not having any insurance.

Get real.

vaio

Chippy_Minton wrote: »

Isn't there?

Road Traffic Collisions (Accidents)



Definition of a Reportable Collision

If owing to the presence of a vehicle on a road an accident occurs which causes injury or damage to:

• a person - other than the driver of that vehicle an animal - other than an animal being carried in that vehicle or trailer ("animal" means horse, !!!, mule, cattle, sheep, pig, goat or dog)
• a vehicle - other than the vehicle which caused the accident
• property constructed on, affixed to, growing in, or otherwise forming part of the land where the road is.

The driver must stop and give their name and address, the name and address of the owner of the vehicle and registration number of the vehicle to a person having reasonable grounds for requiring that information.
If for any reason the driver does not give his name and address, it must be reported at a police station or to a constable, in person, as soon as reasonably practicable and in any case within 24 hours.


Initial Report

If the answer is yes to any of the following questions, then the attendance of the police is required:

• is anyone injured?
• is there any suggestion that any driver has consumed alcohol?
• is the road obstructed?
• is the caller making allegations against the other driver.

How about the allegation of no insurance?

What allegation? And even if she turns out not to be insured are you really suggesting that they are required to report that fact to the police?