Car Accident Involving Police

Ms_Chocaholic

There's someone with a similar problem here
http://www.pistonheads.com/gassing//topic.asp?h=0&t=796433&mid=0&nmt=Police+pursuit+-+damage

Aretnap

Brandy1986 wrote: »

It makes you wonder why we actually pay for insurance at all

To cover your car against damage (and also to protect yourself from your liabilities as a driver. Your insurers will keep their side of the bargain - they'll fix your car if you want them to, subject to payment of your excess. If you didn't have insurance, or if you had third party only insurance, you wouldn't have that option at all, and you'd be left with no choice but to pay for the repairs yourself. So you're better off than you would be without insurance.

Aretnap

Retrogamer wrote: »

I don't think you could sue a homeless person anyway as the papers would need an address to be served to.

You could in theory serve the papers on him in person - they don't have to be posted.

However he would still have no money, and unless you were going to send the bailiffs round to seize his dirty blanket and used needles you would have no way of enforcing the judgement, so your chances of actually getting paid would still be somewhere between nil and zero.

Pincher

There are insurance companies that make a point of saying you don't lose your NCD etc. if the other party is not insured.
Interesting to know what happens when the other party is not driving a car.

E.g. if a child runs onto the road, and you have no time to brake, do you lose the NCD?

Aretnap

Pincher wrote: »

There are insurance companies that make a point of saying you don't lose your NCD etc. if the other party is not insured.
Interesting to know what happens when the other party is not driving a car.

E.g. if a child runs onto the road, and you have no time to brake, do you lose the NCD?

Yes. (Example wording)

Pincher

Homeless?

As soon as they change the law where you can sell his body parts for organ transplant, the insurance company will be very interested. They will refer the case to a ambulance chaser law firm, who will carve him up, auction the parts for £30,000, keep £25k for their fees, give the insurance company a cut ( sick humour, I know ), and pay you the left over.

OnanTheBarbarian

Pincher wrote: »

Homeless?

As soon as they change the law where you can sell his body parts for organ transplant, the insurance company will be very interested. They will refer the case to a ambulance chaser law firm, who will carve him up, auction the parts for £30,000, keep £25k for their fees, give the insurance company a cut ( sick humour, I know ), and pay you the left over.

A revelation, better get this over to the ABI ASAP, it's a game changer.

But your insurance premiums will still be going up because they aren't making enough profit

dacouch

OnanTheBarbarian wrote: »

A revelation, better get this over to the ABI ASAP, it's a game changer.

Underwritten by K Hopkins at Lloyd's