insured driver, uninsured car accident, advice sought

tigerlily

Chippy_Minton wrote: »

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

I assumed it would be, I'm swapping my insurance over straight away but for the OP it may have been better than nothing.

Chippy_Minton_2

vaio wrote: »

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?

That's the requirement in law, however it matters not now as 24 hours is up.

vaio

Chippy_Minton wrote: »

That's the requirement in law..........

It’s not….

http://www.dft.gov.uk/collisionreporting/Law/default.asp

is clear, a no injury accident where the drivers stop and exchange details (as I assume the OP & wife did) there is no requirement to report it to the police.

Interesting to note that even if some one is injured there is still no requirement to report providing you both produce your insurance certificates to the other driver at the scene.

.

Lum

Chippy_Minton wrote: »

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?

Based on when this happened to us in late 2008

want: them to do something about it
expect: them to do naff all about it, despite having details of the driver and being presented with evidence that the insurance certificate they had was invalid.