Accident this morning

rdr

InsideInsurance wrote: »

Assuming it is your fault, ie you were driving in an unreasonable manor for the road conditions, then the insurer of your vehicle will cover the damages you caused to the other parties.

I think he was driving a car, not some Beckingham Palace.

k3lvc

Nodding_Donkey wrote: »

Was the caravan on the road?

Assume this is a relevant (and as yet unanswered) point ?

What is the law re uninsured 'vehicles' on the road/public highway ?

Spicy_McHaggis

k3lvc wrote: »

Assume this is a relevant (and as yet unanswered) point ?

What is the law re uninsured 'vehicles' on the road/public highway ?

It's not a vehicle on its own.

InsideInsurance

k3lvc wrote: »

Assume this is a relevant (and as yet unanswered) point ?

What is the law re uninsured 'vehicles' on the road/public highway ?

Would be irrelevant to the civil law aspect of liability.

Only if owning the damaged item was inherently illegal could there be any get out of claiming - eg rather than hitting the caravan if the OP had driven over the TP's prized marijuana plants then the TP wouldnt be able to claim for their losses

Aretnap

k3lvc wrote: »

Assume this is a relevant (and as yet unanswered) point ?

What is the law re uninsured 'vehicles' on the road/public highway ?

Only a problem if it's a motor vehicle - which a caravan isn't.

It wouldn't affect the OP's liability in any event - if you drive into an uninsured car the driver might get prosecuted for driving without insurance, but you (or your own insurer) would still have to pay for his repairs.

Tilt

Nodding_Donkey wrote: »

Was the caravan on the road?

I think this is a fair question. AFAIK it is illegal to "park" one on the road overnight unless it is attached to a vehicle. There is the question on how visible it would be etc.

Spicy_McHaggis

Tilt wrote: »

I think this is a fair question. AFAIK it is illegal to "park" one on the road overnight unless it is attached to a vehicle. There is the question on how visible it would be etc.

No it's not unless it's causing an obstruction or not complying with lighting regs.

Still wouldn't remove all liability if it wasn't.

Tilt

Spicy_McHaggis wrote: »

No it's not unless it's causing an obstruction or not complying with lighting regs.

Still wouldn't remove all liability if it wasn't.

Well we still don't know do we as the question remains unanswered.

Spicy_McHaggis

Tilt wrote: »

Well we still don't know do we as the question remains unanswered.

I don't see how it helps the OP either way.

Even if your claim were correct that it's an offence to leave the caravan on the road not attached to a towing vehicle he still be liable.

Think of it as rear ending an uninsured car, who's at fault?

Tilt

Spicy_McHaggis wrote: »

I don't see how it helps the OP either way.

Even if your claim were correct that it's an offence to leave the caravan on the road not attached to a towing vehicle he still be liable.

Think of it as rear ending an uninsured car, who's at fault?

Not a good comparison.

My thinking is the way/position it was "parked" may of exposed it to this type of incident. Plus it may of not been visible if it was dark. Think of the requirements of leaving a skip on the road overnight.

But anyway no point debating the point further unless we know the answer to the question.