Just heard a terrific tale

DUTR

Tilt wrote: »

Something not right here! The dealer could not tax the car without insurance. If the buyer refused the dealer's insurance then he would of had to have provided his own. So the question begs; how did they tax the car?

Indeed, dealerships won't allow a car off the premise without insurance and VED.

anotherbaldrick

thistledome wrote: »

Why is your friend thinking how much of an idiot he can be? What a sad little person. He should just get on with his job. Must be awful to be so envious of other people that it warps your thinking.

Having said that, I also think this is a wind-up. How could the bus hit the BMW hard enough to buckle it's wheels but cause no damage to the bus?

It,s all a load of nonsense , a wind up . The dealer would not have been able to tax the car without a valid cover note for the insurance and without a tax disc to put on the windscreen he would not have allowed the new owner to take the car off his premises 4 pages of cobblers.

s_b

the wheels on a bmw would easily buckle under the car (suspension is alloy) if a bus pushed it sideways against a kerb
dealer is under duty of making sure car is insured before it leaves premises ,ive been reading up on this the last couple of weeks(im still trying to work out how this can be done without possibly causing hassles or offence)
bus company can just refuse to pay and say to driver sue us

sarahg1969

pendulum wrote: »

Sorry but it's obvious you've just made all that up

The bus driver owes the BMW driver compensation for the damage he caused. Because the bus driver was insured, the insurer will pay this to the BMW driver instead of the bus driver having to pay. It's as simple as that and whether the BMW driver was insured or not is irrelevant as he was not at fault. If an insurer attempted to withhold a payment for the reason you suggest they would be taken to the Ombudsman or a court and lose instantly.

The first bit is right, but the BMW driver would have no recourse against the bus company's insurers via the ombudsman. He'd need to use the court process. The ombudsman will only deal with complaints where an individual has a contractual agreement with the insurer. ie, you can only complain about your own insurer, and not someone else's.

patman99

No mention was made of the bus being damaged, but we can assume damage was done.

paddedjohn

Wig wrote: »

Asside from the fact that this all sounds like urban myth....

The bus company has only two options

1. Pay the guy for the full cost of repair or for another brand new BMW whichever is cheaper, however, given the newness of the vehicle it would not be unreasonable for the owner to demand the full cost of purchase rather than accept a repair to the vehicle. And don't tell the police

2. Exactly as option 1 except that they report to the police there was an uninsured car on the road which got damaged

Whatever the case the bus company is 100% liable for the replacement costs.

The police will probably not be interested. The police cannot impound the car because they have not witnessed it being driven uninsured S165A I believe.

Best case for BMW he gets full refund from bus co. and hears no more about it.
Worst case for BMW he has to fight in the court for a full refund from bus co (and he will definately win). and he gets a police ticket for having an uninsured car on the road.....which is going to be chicken feed compared with the cost of the BMW.

For the dealer to release the car it would have to be taxed, to tax it it would have to be insured so this bit of the story does not add up.

And yes, if you have the right policy wording you can drive your mates Veyron even if your mate has no insurance on his Veyron.

you cant drive a car on the road unless its got its own policy anymore, if there is no insurance on the vehicle then it has to be sorn and to sorn you must return the tax.

All thing aside this post sound like a windup, scraping a car along its side will not fold the wheels in, it would need a good wallop

paddedjohn

patman99 wrote: »

no mention was made of the bus being damaged, but we can assume damage was done.

the op states that no one was hurt and there was no damage to the bus. How the bmw was damaged so bad is anyones guess.;)

Flyboy152

aardvaak wrote: »

The BMW owner has only himself to blame - I would guess he wont get a penny - I hope - as the rest of us have to pay extra premiums for prats like him.

Please keep us all informed of the outcome.

I bet he wont do it again!

The dealer has to shoulder some of the (moral) responsibility as well for releasing an uninsured car. But, nonetheless, the bus company are still liable, regardless of the insurance status of the car.

Flyboy152

worried_jim wrote: »

Just heard a terrific tale....
A friend works for the local bus company as a director and yesterday he was called to the scene of an accident. One of the buses had hit a parked car on a narrow street. Normally details are exchanged and the loss and insurance dept take care of it all but in this instance the cars owner was demanding that someone senior show up personally. My friend went to the scene where there was no one hurt or any damage to the bus, however, a brand new BMW 5 series had been scrapped all down the side and pushed against the curb causing the wheels to fold under the chassis. The BM's owner was particularly upset as he had just driven home from the dealership and parked up 20 mins previously, he had not had it more than an hour. My friend explained that the insurance would take care of it all and gave him the bus companies details and asked for his insurance details. He hasn't got any. He neglected to take up the dealerships offer of a weeks insurance and had driven home without any to arrange his own, this is what he had been doing when he heard the accident and came running out of his house.
My friend is now thinking "how much of a !!!!!!! can I be" and advises the BM's owner of the law and uninsured vehicles. This chap is now in a spot of bother and the bus company are looking at their "options".

I hate to think what the price of a brand new 5 series is and if anyone can take that sort of hit.

I don't thnk it was brand new.

shaun_from_Africa

you cant drive a car on the road unless its got its own policy anymore, if there is no insurance on the vehicle then it has to be sorn and to sorn you must return the tax.

Not 100% correct.
My motor policy still covers me to drive vehicles not owned by or leased/hired to me, and there is no stipulation that the other car must be insured in its own right.

1b. Driving other cars
If your certificate of motor insurance says so, this policy provides the
same cover as above in 1a when you are driving any other motor
car as long as you do not own it and it is not hired to you under a hirepurchase or leasing agreement. This cover only applies if:
• there is no other insurance in force which covers the same liability;
• you have the owner’s permission to drive the car;
• the car is registered in and being driven in Great Britain, Northern Ireland,
the Republic of Ireland, the Isle of Man or the Channel Islands; and
• you still have your car and it has not been damaged beyond
cost-effective repair.
Note – There is no cover under clause 1b for damage, fire or theft to
the car you are driving

It is also legal to drive a car without VED (tax) if you are taking it to or from a prearranged MOT test.