Please help, friends boyfriend wrote off my car!

Melly35

Hi folks, I'm in a bit of a mess, I lent my car to my friend (I don't use it as I'm waiting for my driving licence to come through post so I've not insured it yet as it was sat on my driveway), my friend asked on Friday night if she can borrow it (she has borrowed it many times before & she is a good driver & fully comp to drive any car), she takes car, lets her boyfriend drive it (without my knowledge or consent), turns out he's not even got a license as he's banned from driving, he smashes the car into central reservation at 70mph on a 40mph road & they both abandon car!
Her insurance it seems is only 3rd party as she was driving my car, she's telling police she was driving to protect her boyfriend, he's walked away scot free. I'm left without a 2 grand car, to add insult to injury my license got here today, I've no car, no money, they've no money (oh & the towing/storage bill so far is £500 & going up a further £20 a day until I remove car which I can't do until I pay bill & I can't pay bill!)
Is that it?
Am I just left with no car & a bill?
Is there nothing I can do?
I didn't give him permission to drive my car, she told me she was fully comp!
But I'm not insured as I didn't drive it!
Can I take him to court?
Will MIB help out?
Sorry to drone on, hope someone can help :-(

Arlen

Unfortunately it looks like you will be without a car and a hefty bill coming your way. The only thing you could do is report it as "taken without owners consent" but with your friend lying about the driver this could lead nowhere. If you report it as TWOC you could get the scenes of crime officers to check the steering wheel for fingerprints.

The above approach would end that friendship but if it was me it would be over by now anyway. Borrowing your car, lending it to a banned driver and racing it about... Great friend. Also keep checking your letterbox over the next few days for speeding tickets.

She would be fully comp... On her own car. Driving a vehicle not your own is usually (on all policies I have had) limited to 3rd Party Only.

Sorry there is no good news.

custardy

Arlen wrote: »

Unfortunately it looks like you will be without a car and a hefty bill coming your way. The only thing you could do is report it as "taken without owners consent" but with your friend lying about the driver this could lead nowhere. If you report it as TWOC you could get the scenes of crime officers to check the steering wheel for fingerprints.

The above approach would end that friendship but if it was me it would be over by now anyway. Borrowing your car, lending it to a banned driver and racing it about... Great friend. Also keep checking your letterbox over the next few days for speeding tickets.

She would be fully comp... On her own car. Driving a vehicle not your own is usually (on all policies I have had) limited to 3rd Party Only.

Sorry there is no good news.

agreed,but a true friend would be offering to cover the cost of the car and would have had the respect ot not let others drive a borrowed car.
so no loss

anewman

Remember comprehensive insurance that allows you to drive any car ordinarily requires the car to be insured in its own right. And any insurance cover on other cars is usually third party only (even though the policy on the car owned may be comprehensive).

Arlen

anewman wrote: »

Remember comprehensive insurance that allows you to drive any car ordinarily requires the car to be insured in its own right. And any insurance cover on other cars is usually third party only (even though the policy on the car owned may be comprehensive).

From what I have seen on other forums this is not the case. However I would not trust this as the checks on the MID (Motor Insurance Database) would flag the car as uninsured on ANPR checks.

alleycat`

I'd say that your friend has pretty much stuffed whatever friendship you guys had.

I'm also amazed someone is going to be so stupid as to "take" whatever is coming from crashing a car at 70 in a 40 to protect a banned driver.
Would she be doing the same if he'd stuffed it into another car?

If you know the car was in essence a TWOC and you don't report it you are potentially accessory to perverting the cause of justice (i would imagine).

The airbag (assuming the car has one) is likely to be covered in the saliva and / or blood of the real driver.

Chances of you getting much out of the car are none insurance wise and a civil case will probably get you the square root of nothing if he has no money anyway.

Arlen

Melly35 wrote: »

Hi folks, I'm in a bit of a mess, I lent my car to my friend (I don't use it as I'm waiting for my driving licence to come through post so I've not insured it yet as it was sat on my driveway)(

Just re-read this. You had a £2000 car sat on your drive completely uninsured? What would you have done if it had been stolen from there? You are now technically in that situation.

You can drive without the driving license being in your possession.

catflea

I have a £1500 car sat on my drive uninsured, as I dont intend to drive it any time soon. Your point being?

Arlen

What would you do if it gets stolen from there? You will be £1500 down and no car.

Norman_Castle

If she has car insurance I am assuming she has a car,not sure why she is borrowing yours, but handing her car over for you to use or sell would be a good start.

HannahIOW

Point being, if it gets stolen and perhaps written off, how are you going to claim for it?