No insuranced crash that wasn't my fault

Mercdriver

jobdone1 wrote: »

Look at it this way. The other Driver would not have crashed into you as you should not have been driving your car on a public highway. If I was the one crashing into you I would take legal advice

What are you on about?

Are you suggesting that because OP missed payment to his insurance company, and so had his insurance cancelled he shouldn't get paid out for the damage caused by the following driver's error?

That's not just harsh, that's plain wrong.

angrycrow

it feels like we are not getting the full story here. Going off the original post the accident was 2 days ago but OP has already been convicted of no insurance IN10 conviction. I know that some areas fast track but 2 days would be very impressive. The statutory removal fee for the police to impound the car is set by the home office and would never be £325.

Setting aside the above issues and the moral position of driving uninsured the fact remains that if an uninsured driver is involved in an accident that is clearly not their fault or only partially their fault they are entitled to claim for their accident related losses from the responsible party or more likely the responsible party insurers. The responsible party would not however be liable for the recovery or storage cost as these are due to the no insurance offence.

So the first step is to get the car release from impound which means finding an insurer who will cover you with the IN10 and who will consent to the policy being used to release a car from police impound. This last bit is very important as the police will call the insurer to confirm this before releasing the car. Make sure you are sitting down when you get the quote for this cover it will not be cheap.

Once you have the car back you can start to progress your claim against the other insurer. If you are not injured use the ASK MID service to obtain the insurance details for the other party and contact them directly requesting that they inspect your vehicle and arrange repairs or pay you the market value if it is a total loss. if you are injured you will need to engage the services of a solicitor but expect them to take up to 25% of your damages award against their costs.

Warwick_Hunt

angrycrow wrote: »

it feels like we are not getting the full story here. Going off the original post the accident was 2 days ago but OP has already been convicted of no insurance IN10 conviction. Maybe he has a fixed penalty notice. I know that some areas fast track but 2 days would be very impressive. The statutory removal fee for the police to impound the car is set by the home office and would never be £325.£300 is the maximum and that would be for a car off road and severely damaged/not on its wheels.

Setting aside the above issues and the moral position of driving uninsured the fact remains that if an uninsured driver is involved in an accident that is clearly not their fault or only partially their fault they are entitled to claim for their accident related losses from the responsible party or more likely the responsible party insurers. The responsible party would not however be liable for the recovery or storage cost as these are due to the no insurance offence.

So the first step is to get the car release from impound which means finding an insurer who will cover you with the IN10 and who will consent to the policy being used to release a car from police impound. This last bit is very important as the police will call the insurer to confirm this before releasing the car. Make sure you are sitting down when you get the quote for this cover it will not be cheap.

Once you have the car back you can start to progress your claim against the other insurer. If you are not injured use the ASK MID service to obtain the insurance details for the other party The police may provide them. and contact them directly requesting that they inspect your vehicle and arrange repairs or pay you the market value if it is a total loss. if you are injured you will need to engage the services of a solicitor but expect them to take up to 25% of your damages award against their costs.

.............

Guest101

Gregorio123321 wrote: »

Hi guy, so I've been involved in a car crash that wasn't my fault. The situation was the driver in front jammed its brakes on just after realising it had turned the wrong way After turning off at a round about. Because I was consentrating and keeping a safe driving distance I managed to stop with distance to spare, the driver behind me then slammed strait into the back of me leaving his car as a right off and my car with a severa damage to the back end off the car.

When the police turned up they stated that the crash was the fault of the driver who crashed into me for not keeping a safe driving distance and lack of concentration (at this point I though I was in the clear). I then found out when It came to my turn to exchange details that my insurance had stopped a week before due to a miss payment. I was then given a strait up 6 points on my lisence, a £300 fine, £325 for the police to impound my car and £30 a day charge its in the impound.

I asked the police for advise on the crash as at this point I was in panic mode. They told me I had seven days (5days from now) to find an insurance company that would carry out the claim on the driver that was the cause of the accident (baring in mind I now also have 6 points). How do I go around perusing this claim? What a good company to go through?

Obviously I know non of this wouldn't have happened if I wasn't so disorganised!

Thanks, any advise would help,
Greg.

How do you have 6 points already? You cant have been to court in the last two days surely.


In any case just make a 3rd party claim on the drivers insurance