My son is being sued after a car accident

lemontart

As others have stated she the one claiming must claim off the insurance of the car that hit her not your son.

vaio

zzzLazyDaisy wrote: »

Sorry if I am being dense, but I don't understand which car is number 1 and which is number 2?

Either way - the car your son hit (car number 1?) is entitled to make a claim off your son (or his insurance). But car number 2 claims off car number 1's insurance. This is because although your son was responsible for the shunt, car number 1 is responsible for hitting car number 2, because it failed to leave sufficient space between itself and the car in front.

Could you clarify the sequence please?

EDIT - the insurance will probably only deal with it if he has legal cover. It is very important that he does not miss the 14 day deadline as judgement could be entered against him in default. So he should at least put in a 'holding' defence.

Surely the accident as described is all the OP's sons fault so all claims will be met by his insurer.

Also, his insurer will deal whether or not add on legal cover is in place

ERICS_MUM

vaio wrote: »

Surely the accident as described is all the OP's sons fault so all claims will be met by his insurer.

Also, his insurer will deal whether or not add on legal cover is in place

Not my understanding. The son hit the car in front because he didn't leave enough room between them. The car he hit then hit the car in front of them -because they hadn't let enough room between them.

tasticz

The 1800 was injury costs, but now they might be claiming for other uninsured losses such as hire car while the car was in repair, phone costs, garage trips, hospital trips, stationary, damaged clothes, etc

enchated1

tasticz wrote: »

The 1800 was injury costs, but now they might be claiming for other uninsured losses such as hire car while the car was in repair, phone costs, garage trips, hospital trips, stationary, damaged clothes, etc

So is my son responsible for paying that?

forgotmyname

ERICS_MUM wrote: »

Not my understanding. The son hit the car in front because he didn't leave enough room between them. The car he hit then hit the car in front of them -because they hadn't let enough room between them.

The middle car probably did leave enough room until the OPs son shunted them forwards.

Thats why he has insurance. Tried to keep it of the system but ended up there anyway. These things happen. Pass the letters on and his insurance should sort it.

opinions4u

enchated1 wrote: »

So is my son responsible for paying that?

He created the situation, so yes.

But his insurer picks up the bill on his behalf.

vaio

ERICS_MUM wrote: »

Not my understanding. The son hit the car in front because he didn't leave enough room between them. The car he hit then hit the car in front of them -because they hadn't let enough room between them.

Nah, the only negligent party was the son. Pretty much any gap between two cars can be rendered "not big enough" if the rearmost car is hit. A 2 foot gaps isn't enough if hit by a car doing 5mph, a six foot gap isn't enough if hit by a car doing 20mph.......a 50 yard gap isn't enough if hit by a lorry doing 60mph.

All the son's fault and his insurer will pick up all the costs/claims and deal with the court papers once they receive them from the son.

Quentin

zzzLazyDaisy wrote: »

EDIT - the insurance will probably only deal with it if he has legal cover. It is very important that he does not miss the 14 day deadline as judgement could be entered against him in default. So he should at least put in a 'holding' defence.

OP ignore this!

Your son should not in any circumstances make any reply to the court.

He should leave this completely in the hands of his insurer.

(If some admin error means he gets a judgement by default, then his insurers legal team will be able to get it set aside, however him making any reply to the court could jeopardise this. Everything to do with the court will be dealt with by the insurer)

enchated1

Thank you very much.