Minor incident but im not insured!

Sgt_Pepper_2

Quentin wrote: »

I fear Stacey thoughts involve perverting justice.

I don't think he's that switched on. It sounds like his idea of a defence is to go no comment, when its up to the suspect to show he has insurance.

vaio

dacouch wrote: »

Newbury v Davis is a defence against the owner being convicted for aiding and abetting no insurance when they've lent the vehicle to a friend and it being lent "conditional" on the friend having appropriate insurance.

OP........you have no defence if the police get to know about it and decide to prosecute, the case given above means that, (assuming the circumstances are the same) you friend does have a defence and I'd get a solicitor to run that defence for him if it ever gets to court.

As for the damage to the other car, hopefully the TP insurer will write to you in the first instance which will give you the opportunity to settle without getting the van's insurer involved.

htrj

I realise I have no defence.

Would it be possible or wise to contact the 3rd parties Insurer before they get to my pals insurers? How can I find out who they are without asking the 3rd party who now just hangs up as soon as I introduce myself?

Sgt_Pepper_2

htrj wrote: »

I realise I have no defence.

Would it be possible or wise to contact the 3rd parties Insurer before they get to my pals insurers? How can I find out who they are without asking the 3rd party who now just hangs up as soon as I introduce myself?

https://www.askmid.com

Sgt_Pepper_2

What have you said?

Why does she keep hanging up?

htrj

I havent said anything other than "id be happy to pay for the repair" I then follwed it with "and give you a tank of fuel for your trouble." If someone had damaged my car and offered to do that id be overjoyed but shes taken exception to it. I dont get it.

Sgt_Pepper_2

htrj wrote: »

I havent said anything other than "id be happy to pay for the repair" I then follwed it with "and give you a tank of fuel for your trouble." If someone had damaged my car and offered to do that id be overjoyed but shes taken exception to it. I dont get it.

My guess is she smells a rat and can see straight through you.

htrj

Maybe,

Do insurance companies usually allow people to pay for the repairs without making a claim?

spacey2012

Quentin wrote: »

I fear Stacey thoughts involve perverting justice.

You win the Hamper.

Sgt_Pepper_2

spacey2012 wrote: »

This is the reason why, cheap insurance, is never the lowest cost.
However, you wont be prosecuted unless you are reported by a police officer.
So if you have not had your details taken by a police officer yet , you might want to seek some paid for legal advice with regards to your right to silence.

Come spacey, we are still waiting for you to explain this.