Uninsured Accident - Please Help

JohnFredrick

Hi Guys

Wondering if anyone would be able to advise, if you have nothing good to say kindly refrain from spamming.

A friend of mine was involved in an accident last year where he collided into another vehicle, he thought he was insured but turned out to be fake insurance bought from social media

The car he hit into was a hire car and his friend was driving it, so to settle the heat he paid the excess off for that car, and the hire company will be claiming from their insurance. As for his car he has to get repaired privately as it wasn’t insured

Anyway, months later a court letter has arrived from the hire car’s insurance trying to claim full costs for the damage on the car he hit into, but he paid the excess at the time for the hire driver and he wasn’t insured, where does he stand?

Thanks

Scrapit

How do you buy insurance off of social media?

MovingForwards

He pays the money, in full.

or via installments, will get a CCJ confirming the instalment amount, the CCJ stays on his file for 6 years of it isn't paid in full before a month is up when the CCJ is requested.

A policy excess is only part of the cost, did your friend honestly think it was £100 or so for the repairs?

The insurance company of the vehicle are perfectly entitled to pursue him, via the courts as he has disregarded their letters; there would have been several letters asking him for the money, then threatening to issue court proceedings, then confirming court proceedings have been started.

SHAFT

JohnFredrick wrote: »

Hi Guys

Wondering if anyone would be able to advise, if you have nothing good to say kindly refrain from spamming.

A friend of mine was involved in an accident last year where he collided into another vehicle, he thought he was insured but turned out to be fake insurance bought from social media

The car he hit into was a hire car and his friend was driving it, so to settle the heat he paid the excess off for that car, and the hire company will be claiming from their insurance. As for his car he has to get repaired privately as it wasn’t insured

Anyway, months later a court letter has arrived from the hire car’s insurance trying to claim full costs for the damage on the car he hit into, but he paid the excess at the time for the hire driver and he wasn’t insured, where does he stand?

Thanks

In the dock if the police were involved.

So he paid the person who hired the cars excess, they then informed the hire company they were not at fault for the accident. You friend is liable for all associated costs.

pinkshoes

JohnFredrick wrote: »

Hi Guys

Wondering if anyone would be able to advise, if you have nothing good to say kindly refrain from spamming.

A friend of mine was involved in an accident last year where he collided into another vehicle, he thought he was insured but turned out to be fake insurance bought from social media

The car he hit into was a hire car and his friend was driving it, so to settle the heat he paid the excess off for that car, and the hire company will be claiming from their insurance. As for his car he has to get repaired privately as it wasn’t insured

Anyway, months later a court letter has arrived from the hire car’s insurance trying to claim full costs for the damage on the car he hit into, but he paid the excess at the time for the hire driver and he wasn’t insured, where does he stand?

Thanks

This is normal.

The friend whose hire car it was would be responsible for the excess if any damage occurs. Your friend quite rightly paid this for them as it was his fault.

The hire car company then pursue the other insurance company for the rest of the costs. As your friend had no insurance he is 100% liable for the costs.

He will need to offer to pay in instalments if he cannot afford it in one go. They might or might not accept this. They might opt to take it to court.

JohnFredrick

Hi

Yes as pinkshoes said its being pursued by the hire car company to claim for damages.

They also want to claim for losses to the business, Already its looking around 35-40k

I thought MID compensate for claims against uninsured drivers?

His a little lost does not know what action to take as he has no money, his considering bankcruptcy.

Any way to get out of this mess message in

Thank you guys

SHAFT

JohnFredrick wrote: »

Hi

Yes as pinkshoes said its being pursued by the hire car company to claim for damages.

They also want to claim for losses to the business, Already its looking around 35-40k

I thought MID compensate for claims against uninsured drivers?

His a little lost does not know what action to take as he has no money, his considering bankcruptcy.

Any way to get out of this mess message in

Thank you guys

They do but there's nothing stopping them coming after the driver.

JohnFredrick

Right, just to clarify this letter looks like a court proceeding letter and its between:
Hire Company
Vs
My friend (1st defendant)
And
MID (2nd defendant)

It does mention things like ‘claim must be settled by 1st defendant and/or 2nd defendant’

SHAFT

JohnFredrick wrote: »

Right, just to clarify this letter looks like a court proceeding letter and its between:
Hire Company
Vs
My friend (1st defendant)
And
MID (2nd defendant)

It does mention things like ‘claim must be settled by 1st defendant and/or 2nd defendant’

Drip, drip, drip.

I would advise your friend to take legal advice.

Aylesbury_Duck

SHAFT wrote: »

Drip, drip, drip.

I would advise your friend to take legal advice.

This. You're not going to get sensible advice by drip-feeding relevant information, especially when the sum involved is potentially so high.

Get legal advice. It's too big a sum to be relying on a forum for.

MovingForwards

Proceedings have to be issued against your friend as D1 and the MIB as D2, if the MIB were not named as D2 they would not be obliged to settle the claim.

So potentially what will happen is D2 (MIB) will settle the claim and then seek recovery of the money from your friend.

A hire company will have a huge amount of losses as that's a rental car, having that car out of commission means they have lost the amount of money they would have earnt had your friend not damaged it.

Again, I will say your friend would have received correspondence from the solicitors prior to litigation and ignored them.