RTA with no valid insurance

k3lvc

angel_of_dartford wrote: »

Strange it's on a Vauxhall forum, as it's also popped up on a fiat forum:
http://www.fiatforum.com/leisure-lounge/427829-rta-no-valid-insurance.html

Going to call troll/bs on this one

Because it involved a Vauxhall :T - given there are some pre/post pics on there it's fairly likely to have happened

And as for posting on other forums - I'm a member of at least five manufacturers forums and for genera/non-vehicle specific issues I would choose where to post to get the best responses

forces836

According to the law you are guilty for driving without insurance

This happened to me 9 years ago whilst serving in the army i had just got back from a tour and jumped in my car to travel to manchester from surrey for my stag weekend
traffic on M6 was bumper to bumper crawling at no more than 5 to 10 MPH i ran into back of another car stopped checked any damage was minimal and swapped insurance details no police called
once in manchester i phoned insurance company Churchill and reported accident they responded by saying my insurance hadn't renewed so i wasn't insured i explained i was on automatic renewal they looked into this for me 24 hrs later still hadn't heard back so phoned them again they said there had been a missed monthly direct debit they had wrote to me i hadn't received this letter as at time i was away from country but admitted this could have been the case as i was experiencing a few money problems i asked what i had to do now ? they responded by telling me if i paid the missing monthly direct debit payment they would reinstate my insurance which they did as a brand new policy which in turn didn't cover the RTA
I was taken to court and found guilty of driving without insurance i explained the situation and was advised i could take it to a magistrates court but it could be expensive so i decided not to bother and excepted my fine and points
3 years later i got a letter from Mib stating i had to pay out 25,000 in injury claim compensation i was in Shock and quite angry when i phoned them and pointed out i had never been invited to court over this apparently they can get someone to represent me in court ?
I sought legal advice on this and nobody seemed to want to take it on as i was the CRIMINAL driving without insurance (not knowingly}
The amount was reduced to 20,000 which has got me into much financial difficulty and im now with a dept management plan
My question is 1. WHO IS MORE GUILTY HERE MYSELF FOR UNINTENTIONALLY DRIVING WITHOUT INSURANCE FOR APPROX 1 WEEK OR THE 3 RD PARTY WHO HAS MADE A BOGUS INJURY CLAIM NO WAY CAN SOMEONE GET THAT INJURED FROM A MERE 5 MPH BUMP
2. IS IT TO LATE TO STILL FIGHT THIS ?

rudekid48

You went into the back of someone. You weren't insured.

Both your fault.

Quentin

forces836 wrote: »

My question is 1. WHO IS MORE GUILTY HERE MYSELF FOR UNINTENTIONALLY DRIVING WITHOUT INSURANCE FOR APPROX 1 WEEK OR THE 3 RD PARTY WHO HAS MADE A BOGUS INJURY CLAIM NO WAY CAN SOMEONE GET THAT INJURED FROM A MERE 5 MPH BUMP
2. IS IT TO LATE TO STILL FIGHT THIS ?

1. MIB will have investigated the claim and only paid out if it was genuine.


2. Your only avenue is to seek legal advice to see if you have any way of challenging the cancellation of your insurance - though you do seem to have accepted that was correctly done in view of your admitted "money problems" which brought on the cancellation.

HappyMJ

forces836 wrote: »

According to the law you are guilty for driving without insurance

This happened to me 9 years ago whilst serving in the army i had just got back from a tour and jumped in my car to travel to manchester from surrey for my stag weekend
traffic on M6 was bumper to bumper crawling at no more than 5 to 10 MPH i ran into back of another car stopped checked any damage was minimal and swapped insurance details no police called
once in manchester i phoned insurance company Churchill and reported accident they responded by saying my insurance hadn't renewed so i wasn't insured i explained i was on automatic renewal they looked into this for me 24 hrs later still hadn't heard back so phoned them again they said there had been a missed monthly direct debit they had wrote to me i hadn't received this letter as at time i was away from country but admitted this could have been the case as i was experiencing a few money problems i asked what i had to do now ? they responded by telling me if i paid the missing monthly direct debit payment they would reinstate my insurance which they did as a brand new policy which in turn didn't cover the RTA
I was taken to court and found guilty of driving without insurance i explained the situation and was advised i could take it to a magistrates court but it could be expensive so i decided not to bother and excepted my fine and points
3 years later i got a letter from Mib stating i had to pay out 25,000 in injury claim compensation i was in Shock and quite angry when i phoned them and pointed out i had never been invited to court over this apparently they can get someone to represent me in court ?
I sought legal advice on this and nobody seemed to want to take it on as i was the CRIMINAL driving without insurance (not knowingly}
The amount was reduced to 20,000 which has got me into much financial difficulty and im now with a dept management plan
My question is 1. WHO IS MORE GUILTY HERE MYSELF FOR UNINTENTIONALLY DRIVING WITHOUT INSURANCE FOR APPROX 1 WEEK OR THE 3 RD PARTY WHO HAS MADE A BOGUS INJURY CLAIM NO WAY CAN SOMEONE GET THAT INJURED FROM A MERE 5 MPH BUMP
2. IS IT TO LATE TO STILL FIGHT THIS ?

Have you paid it yet?

Marktheshark

If the OP mislead the police in to thinking he could produce insurance to avoid detection for the offence, the lack of insurance will be the least worry.
Start learning to sew.