Just heard a terrific tale

Jakg

The BMW's lack of insurance WILL NOT effect the fact the Bus Company need to foot the bill for the repairs (or, more likely, the new car...)

dzug1

Wig wrote: »

The topic of it being brand new in the OP is possibly incorrect.

The BMW owner if he finds himself in court, could ask for special reasons for no penalty points, special reasons could be it was driven home insured either by the guy himself or his mate actually drove it home, it was only on the road for 20 mins parked as uninsured (thus there was no danger to other road users) and the owner was during those 20 mins in the process of arranging insurance cover.

But he WASN'T in process of arranging insurance cover, was he? He can SAY he was, but it wouldn't be true. Not on what's been described anyway.

Wig

dzug1 wrote: »

But he WASN'T in process of arranging insurance cover, was he? He can SAY he was, but it wouldn't be true. Not on what's been described anyway.

I don't understand how you can be so certain?

Gavin83

Wig wrote: »

Why would the bus driver be inclined to call the police?
Why take the police advice?
All they need to do is establish who was at fault (the bus driver was) & then establish the cost of repairs and pay up. Nothing else comes into the equation which would reduce their liability.

To be honest I've never been involved in a crash but I understand the procedure is to swap insurance details and then report it to the police. If you crash into a parked car will you still not need to swap insurance details and allow the insurance companies to deal with the claim?

If they told me their car was uninsured I'd be calling the police and checking what they had to say on the matter. If they said it wasn't a problem then fair enough, but it's still best to check.

scheming_gypsy

Gavin83 wrote: »

To be honest I've never been involved in a crash but I understand the procedure is to swap insurance details and then report it to the police. .

you only report it to the police if there's a need to. If you just hit another persons car, you swap details and off you go, your run of the mill is a civil matter rather than criminal so it's just a case of informing your insurance companies.

Woody._2

scheming_gypsy wrote: »

With RTA's (as far as i'm aware) the police don't turn up unless they need to; ie injury or a dispute etc. If a bus drives into a parked car and nobody is injured then it's unlikely the police would come out to it.
Or an offence under the RTA has taken place. Which in this case there was.

With regards to the insurance for twenty minutes... no idea! if he was in the process of getting it insured, would the police prosecute? if they were following the letter of the law then they might do but if they turn up and the bloke was on confused.com with a half done search; would they accept that he wasn't trying to avoid getting it insured and it was a badly timed accident? In short yes they would.

You'd be surprised how many uninsured drives try to pass off an internet quote as proff of insurance.

bigjl

And how would they manage that since MID has been introduced?

Woody._2

bigjl wrote: »

And how would they manage that since MID has been introduced?

Did you miss the word try?

Woody. wrote: »

You'd be surprised how many uninsured drives try to pass off an internet quote as proff of insurance.

bigjl

No point trying to copy how I have answered some of your other posts, whats the matter, can't figure out what to say without help.

I have never heard of anybody trying to pass off a quote as insurance, you just made that up.

What a load of tosh.

Its not my fault the Police, Fire and Ambulance Services knocked you back and you could only get into the Plastic Police.

You are showing all the reasons for your failure on here.

Is your real name Walter Mitty, but Walt for short.

scheming_gypsy

Woody. wrote: »

You'd be surprised how many uninsured drives try to pass off an internet quote as proff of insurance.

aye probably.. i know somebody who wanted a fake document to keep in the car incase they got pulled by somebody without an ANPR


oh... and i'm not disagreeing with what you say even though it might seem like it; but a lot of things just seem like there could be a grey area where it seems like could go either way