Invalid car insurance - would you report someone?

janiebquick

I would agree with some of the other posters that this is none of your business.

FlameCloud

You could try http://www.ifig.org who can take anonymous phone reports before feeding them back to insurers.

22johnny22

janiebquick wrote: »

I would agree with some of the other posters that this is none of your business.

It will be someone's business if he causes uninsured damage to third party property!

The fact the OP has discussed this with the alleged miscreant suggests to me that 'telling' may direct attention to themselves.

Best avoid informing on this basis alone IMHO

katyblue

I agree with a lot of others on here.

The safest option is to not do anything. What you need to think about is, if you report it and his insurance company look into it. Who is he going to go looking for? He doesn't exactly sound like the type of person to not do anything to repay you for reporting him. Even if he couldn't prove it was you.

As long as the insurance pay the third party in any accident, then it is his own fault if they discover a way of getting out of covering his costs.

Don't get me wrong, it really annoys me when you play everything honestly, and get charged for it. Then you hear of someone, who is ignoring everything, yet seems to be not only getting away with it, but profiting too.

But, will it make a difference to you if you report him? and will it be a positive difference?

Someone I work with reported a friend, for various issues. Since then nothing has changed for the friend, but the person who reported them has had loads of things go wrong constantly. They have sworn that they will never bother to report anyone again.

rev_henry

I'd normally be first on the 'march down to the police station' bandwagon, but in this instance he's not actually uninsured and isn't really breaking the law (well apart from the fraud I suppose). If he had an accident the 3rd party would be paid and it would be a matter between him and the company, so he isn't actually inconveniencing anyone.

Its not like blatantly driving uninsured, which causes much paperwork and headaches for innocent motorists hit by such drivers.

The way I see it - if he never has an accident, no harm has been done - company has received money and just made a profit out of it. If he does have an accident then he'll get his come uppance in the form of a big bill.

I believe the police are quite hot on this sometimes though. If he gets pulled (which, being a young lad in a modded car, he probably will at some point) they may well contact his insurance company to inform them and or put the fear of God into him about being uninsured. I have seen such conversations on traffic cops etc.

Imnoexpert_2

This is a real dilema. And it's grown up stuff!

Having been struck by an young uninsured motorcyclist who killed himself as well as traumatizing my wife and child and costing us money and worry I feel very strongly that if someone had been brave enough to report the young man for not having insurance (and I suspect many people especially his loved ones must have known) he would still be alive and they must have that on their conscience. In that case we have a duty as citizens and decent human beings to take the risk of being unpopular.

I don't know what the mod. is, or if it is a safety issue, or how responsible in other ways the young lad is, or what his insurance or the police would do, or what he might do to you if he finds out you informed on him. Only you can weigh this up and decide. I'm just adding another fact to make the decision more complicated.

Good luck - hope it's all academic.

JustAnotherSaver

This one is interesting to me (other peoples POVs on here).

For one, it seems the MSE massiv have switched the way they think. Years ago it was a goody-goody train of thought. An everything must be RIGHT train of thought. And what do we get now? A protect the illegal train of thought. My how many of you have changed.

So to this i wonder ....

We've all heard the tale of the uninsured driver tearing down the road & ploughing through the innocent kid crossing the road.
It's pretty obvious where those who are saying 'shop him' stand, but for those saying mind your own business... when you see it on the news that the kid just got wiped out, do you respond with 1) that stupid kid should've been watching what they were doing, they deserve to have died, or do you respond with 2) that stupid 17yr old kid should never have been on the road to kill that kid. They were uninsured/incorrectly insured?

Surely you must all be saying #2?? Not very nice is it.

And to paint another picture -

let's imagine i'm a 17yr old who's recently passed (like this guy). I get a little 900cc car that does 0-60 in about a decade. I insure it as such. Without getting into the mechanics of whether the engine fits or not, i drop an Evo engine in there into my car that weighs a bag of sugar, so now i travel at light speed. I don't tell the insurers because hey, it USED to be a 900cc car right (just like this lads car USED to be what he told the insurers). So all of you would pat me on the back & say 2 fingers to the insurance....right??

We're not talking about copying a CD & selling it here. We're talking about someone in a car that shouldn't be on the road as it stands. I hope when you all (the mind your own business clan) go to work tomorrow, you get sideswiped by a young lad who's not told his insurance the correct details & see how you all like it.


What's with the mind your business talk anyway? If you knew someone was going down the street with a machete would you inform the police? Or would you mind your business?

And for those getting a bit carried away with the assumptions & making out as though i've just stopped some random chap in the street - i work with the guy, so we talk. Not that it matters though.

Filip

JustAnotherSaver wrote: »

We've all heard the tale of the uninsured driver tearing down the road & ploughing through the innocent kid crossing the road.
It's pretty obvious where those who are saying 'shop him' stand, but for those saying mind your own business... when you see it on the news that the kid just got wiped out, do you respond with 1) that stupid kid should've been watching what they were doing, they deserve to have died, or do you respond with 2) that stupid 17yr old kid should never have been on the road to kill that kid. They were uninsured/incorrectly insured?

Surely you must all be saying #2?? Not very nice is it.

Where we're the kids parents?

Filip

JustAnotherSaver wrote: »

This one is interesting to me (other peoples POVs on here).

For one, it seems the MSE massiv have switched the way they think. Years ago it was a goody-goody train of thought. An everything must be RIGHT train of thought. And what do we get now? A protect the illegal train of thought. My how many of you have changed.

So to this i wonder ....

We've all heard the tale of the uninsured driver tearing down the road & ploughing through the innocent kid crossing the road.
It's pretty obvious where those who are saying 'shop him' stand, but for those saying mind your own business... when you see it on the news that the kid just got wiped out, do you respond with 1) that stupid kid should've been watching what they were doing, they deserve to have died, or do you respond with 2) that stupid 17yr old kid should never have been on the road to kill that kid. They were uninsured/incorrectly insured?

Surely you must all be saying #2?? Not very nice is it.

And to paint another picture -

let's imagine i'm a 17yr old who's recently passed (like this guy). I get a little 900cc car that does 0-60 in about a decade. I insure it as such. Without getting into the mechanics of whether the engine fits or not, i drop an Evo engine in there into my car that weighs a bag of sugar, so now i travel at light speed. I don't tell the insurers because hey, it USED to be a 900cc car right (just like this lads car USED to be what he told the insurers). So all of you would pat me on the back & say 2 fingers to the insurance....right??

We're not talking about copying a CD & selling it here. We're talking about someone in a car that shouldn't be on the road as it stands. I hope when you all (the mind your own business clan) go to work tomorrow, you get sideswiped by a young lad who's not told his insurance the correct details & see how you all like it.


What's with the mind your business talk anyway? If you knew someone was going down the street with a machete would you inform the police? Or would you mind your business?

And for those getting a bit carried away with the assumptions & making out as though i've just stopped some random chap in the street - i work with the guy, so we talk. Not that it matters though.

Have u ever used you're mobile phone whilst driving? Or eaten? Or played with your radio? Please be honest!! And if you have, and had hit a kid crossing the road whilst doing it (potentially more likely than driving 'incorrectly insured' as you are distracted), then what.......?

Driving with a modification not declared, is IMO a lot less likely to cause anyone harm than any of the situations I've mentioned above.

JustAnotherSaver

Filip wrote: »

Have u ever used you're mobile phone whilst driving? Or eaten? Or played with your radio? Please be honest!! And if you have, and had hit a kid crossing the road whilst doing it (potentially more likely than driving 'incorrectly insured' as you are distracted), then what.......?

Driving with a modification not declared, is IMO a lot less likely to cause anyone harm than any of the situations I've mentioned above.

Phone - no. The others yes.

However that's not the point is it (while we're being honest & all)!?

Point is, he's insured to drive a car fitting XYZ description. If it doesn't fit that description then he's not insured to drive it & therefore shouldn't be driving it. Right/wrong??!

THAT is the point.