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Uninsured Accident - Please Help
Comments
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JohnFredrick wrote: »Like i said previously his a good friend of mine and not in a good position right now so im doing him a favour and trying to get advice for him. His going to get legal advice today so hopefully light end of the tunnel
I thought your friend and no assets and limited funds. So how's he going to pay for that?0 -
Free initial consultation, at a guess.I thought your friend and no assets and limited funds. So how's he going to pay for that?
Many solicitors offer them.
https://www.google.co.uk/search?q=solicitor+free+initial+consultation
We all know how it'll go, of course.0 -
His going citizens advice bureau and calling a few free consultation solicitors
Anyway i’ve done my bit but as expected most people just judging and making assumptions0 -
JohnFredrick wrote: »he thought he was insured but turned out to be fake insurance bought from social media/QUOTE]
Social media does not sell insurance. He will not be able to use that as mitigation.JohnFredrick wrote: »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
A nice gesture as that will save his friend dipping into his own pocket.JohnFredrick wrote: »the hire company will be claiming from their insurance.JohnFredrick wrote: »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
Whether the hire company self-insures or goes to an underwriter, whoever picked up the cost of the repair is going to chase your friend to recover their losses as the accident was his fault. This is normal practice.JohnFredrick wrote: »he wasn’t insured, where does he stand?
Precariously. He needs to settle the claim from the hire car company and hope that he does not end up being prosecuted for driving with no insurance.0 -
JohnFredrick wrote: »he thought he was insured but turned out to be fake insurance bought from social media/QUOTE]
Social media does not sell insurance. He will not be able to use that as mitigation.
A nice gesture as that will save his friend dipping into his own pocket.
Whether the hire company self-insures or goes to an underwriter, whoever picked up the cost of the repair is going to chase your friend to recover their losses as the accident was his fault. This is normal practice.
Precariously. He needs to settle the claim from the hire car company and hope that he does not end up being prosecuted for driving with no insurance.
He has been already.0 -
That's already been done.JohnFredrick wrote: »He needs to settle the claim from the hire car company and hope that he does not end up being prosecuted for driving with no insurance.JohnFredrick wrote: »He didnt realise the insurance was fake until the accident and when police came to the scene
Yes he got 6 points and a fine from police0 -
He didnt realise the insurance was fake until the accident and when police came to the scene
Yes he got 6 points and a fine from police
Which is the absolute least of his worries.0 -
There is a defence against no insurance for an employee driving a company vehicle, if they were told that they were insured to drive it by their employer.He got 6 points and a fine
I would have thought a decent motoring lawyer could have set out and succeed with a similar argument for someone who honestly believed that they had a valid policy but was the victim of fraud.
It wouldn't change the fact that they are guilty, as no insurance is an absolute offence, but could be presented as a special reason not to endorse.I want to go back to The Olden Days, when every single thing that I can think of was better.....
(except air quality and Medical Science
)0 -
There is a defence against no insurance for an employee driving a company vehicle, if they were told that they were insured to drive it by their employer.
I would have thought a decent motoring lawyer could have set out and succeed with a similar argument for someone who honestly believed that they had a valid policy but was the victim of fraud.
That's certainly possible - though an uphill struggle and a court hearing that the insurance was bought on "social media" may not be very sympathetic. However it seems the OP's mate has already either been convicted or accepted a fixed penalty.0
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