Accident without insurance

debtdebt

Your friend needs to pursue the driver or insurers of the third party vehicle to seek recovery of the repair costs.

Apart from being uninsured, you weren't the negligent party.

The damage to the vehicle you were driving is your friend's loss as it was his car. Your friend can't hold you responsible as you weren't at fault for the accident. He has to go after the third party driver.

Car_54

Jsuk wrote: »

It used to be ALL fully comp insurance covered driving any other car, that changed, my situation was the insurance policy rolled over and I forgot to check it was still on the policy. Daft I know and yes a complete mess. Especially the fine and points on my (up until now clean) license 😣

Even if your policy had DOC cover, it would have been third-party only, so the damage to your friend’s car would not have been covered.

macman

Correct. And, since the OP is being prosecuted for driving without insurance, we know that his policy didn't offer 3rd party cover for other vehicles.

slinga

Isn't it the case that if you get permission to drive a friend's car then you are covered by his insurance, Third Party at least??

Smellyonion

Being fully comp and having the insurance to drive other cars would still not have covered the loss to your frirnds vehicle considering they are third party only.

Car_54

slinga wrote: »

Isn't it the case that if you get permission to drive a friend's car then you are covered by his insurance, Third Party at least??

No. Not unless he has an "any driver" policy, which is extremely unlikely, unless your pal is a millionaire.

System

slinga wrote: »

Isn't it the case that if you get permission to drive a friend's car then you are covered by his insurance, Third Party at least??

Only if you are a named driver on their policy.

Back to the original point.....

The owner of the car needs to make a claim against the person who did the hit and run. The fact the car was being driven uninsured is neither here nor there. So the way it could pan out is you cover the cost of the repairs, your friend gives you back the money when they get a payout.

Aretnap

debtdebt wrote: »

Your friend needs to pursue the driver or insurers of the third party vehicle to seek recovery of the repair costs.

Apart from being uninsured, you weren't the negligent party.

The damage to the vehicle you were driving is your friend's loss as it was his car. Your friend can't hold you responsible as you weren't at fault for the accident. He has to go after the third party driver.

What makes you think that the OP's friend can't hold him responsible for the damage? The law around bailments (ie taking possession of someone else's property without taking ownership of it) is somewhat complex, however my understanding is that the starting point is that the bailee is generally strictly liable for any damage which occurs while the property is in his possession. Negligence didn't come into it. So unless they agreed otherwise the OP needs to make good the damage to the car, and can in turn claim from the other driver (or his insurer).

Alternatively the cars owner could claim directly from the other driver of he prefers... however if the OP already has a solicitor dealing with the personal injury aspect I'd suggest that the first thing to try is asking if the solicitor can also deal with the claim for damage to the car.

soolin

slinga wrote: »

Isn't it the case that if you get permission to drive a friend's car then you are covered by his insurance, Third Party at least??

Be careful with this sort of misinformation, what might be a genuine query often turns into someone believing it to be the case and acting on it. As with all insurance it never pays to guess the situation, as has been mentioned earlier only your own policy can tell you whether you are insured, and also on what basis.

Car_54

soolin wrote: »

Be careful with this sort of misinformation, what might be a genuine query often turns into someone believing it to be the case and acting on it. As with all insurance it never pays to guess the situation, as has been mentioned earlier only your own policy can tell you whether you are insured, and also on what basis.

It shouldn't be necessary to read the multi-page policy documents: who is covered and for what is clearly set out on the certificate, a single A4 page.


It seems that many people pay hundreds or thousands of pounds for insurance, without even taking a few minutes to understand what they've actually bought.