Police didn't prosecute for TWOC - what does this mean for my insurance claim?

Manxman_in_exile

sheramber said:

Chances are everybody got up and left the keys lying on the table.

However,  were a 16 and 17 year old in the pub  without an adult?

Was it a pub?  Or wasn't it a pub?  Like much of this story it's more than a little unclear.

The OP started talking about driving to the pub and after staying there drinking for some hours he went to another pub.  But in a later post he describes the first "pub" as being a community football club, not a pub.  To my mind that's a bit different.

All we really know is the OP drove to the "pub" intending not to drink, but changed his mind and decided to drink and tried to give custody of his car keys to some mates for safekeeping, but in the daftest way imaginable.

After spending some hours in this pub the OP went to another pub where the police contacted him to inform him that his car had been found upside down on its roof.

Apparently the car had been taken and crashed by two teenagers who are unknown to the OP but are known to his mates whom he left his keys with.

Despite witnesses seeing the two teenagers running away from the upside down car, the police appear to be taking no action against them.

If I were the OP I'd stop reading this thread and wait to hear from the insurance company.  I can't imagine going over and over this is making him feel any better.

cjp2308

Manxman_in_exile said:

sheramber said:

Chances are everybody got up and left the keys lying on the table.

However,  were a 16 and 17 year old in the pub  without an adult?

Was it a pub?  Or wasn't it a pub?  Like much of this story it's more than a little unclear.

The OP started talking about driving to the pub and after staying there drinking for some hours he went to another pub.  But in a later post he describes the first "pub" as being a community football club, not a pub.  To my mind that's a bit different.

All we really know is the OP drove to the "pub" intending not to drink, but changed his mind and decided to drink and tried to give custody of his car keys to some mates for safekeeping, but in the daftest way imaginable.

After spending some hours in this pub the OP went to another pub where the police contacted him to inform him that his car had been found upside down on its roof.

Apparently the car had been taken and crashed by two teenagers who are unknown to the OP but are known to his mates whom he left his keys with.

Despite witnesses seeing the two teenagers running away from the upside down car, the police appear to be taking no action against them.

If I were the OP I'd stop reading this thread and wait to hear from the insurance company.  I can't imagine going over and over this is making him feel any better.

Thanks for all your responses, reality is I could have been a bit more clear with instructions on who was looking after my keys

Until I get an update on my claim, it's all just assumptions and overthinking things outside my control

I'll update things when I get an update from insurer 

troffasky

Manxman_in_exile said:

Was it a pub?  Or wasn't it a pub?  Like much of this story it's more than a little unclear.

Why are you even asking? The exact nature of the licenced premises is not going to make any difference to the legality of what happened or the chances of a successful insurance claim.

Manxman_in_exile

troffasky said:

Manxman_in_exile said:

Was it a pub?  Or wasn't it a pub?  Like much of this story it's more than a little unclear.

Why are you even asking? The exact nature of the licenced premises is not going to make any difference to the legality of what happened or the chances of a successful insurance claim.

????

Did you not read the earlier post I was quoting? 

@sheramber had asked how a 16 and 17 year old could be in a pub unaccompanied by an adult.  I was pointing out - via a rhetorical question - that it was not clear (like much of the OP's story) if they were in a pub or whether they were at a community football club.  Obviously a community football club would explain the presence of unaccompanied minors, thus answering @sheramber's question.

That's what I was commenting on - nothing to do with the chances of a successful insurance claim.  (Which I'm sure you will have noticed I had already advised him to stop pointlessly second-guessing about and wait for the insurance company's decision.  Then worry about it... )

cjp2308

Manxman_in_exile said:

troffasky said:

Manxman_in_exile said:

Was it a pub?  Or wasn't it a pub?  Like much of this story it's more than a little unclear.

Why are you even asking? The exact nature of the licenced premises is not going to make any difference to the legality of what happened or the chances of a successful insurance claim.

????

Did you not read the earlier post I was quoting? 

@sheramber had asked how a 16 and 17 year old could be in a pub unaccompanied by an adult.  I was pointing out - via a rhetorical question - that it was not clear (like much of the OP's story) if they were in a pub or whether they were at a community football club.  Obviously a community football club would explain the presence of unaccompanied minors, thus answering @sheramber's question.

That's what I was commenting on - nothing to do with the chances of a successful insurance claim.  (Which I'm sure you will have noticed I had already advised him to stop pointlessly second-guessing about and wait for the insurance company's decision.  Then worry about it... )

Just to clear it up, it's a community football clubhouse so is overlooking the pitch, 1 building which has changing rooms, a bar etc. 

When I first arrived those boys who took the vehicle were playing in a match and then came into the bar area later in the afternoon 

shiraz99

Manxman_in_exile said:

troffasky said:

Manxman_in_exile said:

Was it a pub?  Or wasn't it a pub?  Like much of this story it's more than a little unclear.

Why are you even asking? The exact nature of the licenced premises is not going to make any difference to the legality of what happened or the chances of a successful insurance claim.

????

Did you not read the earlier post I was quoting? 

@sheramber had asked how a 16 and 17 year old could be in a pub unaccompanied by an adult.  I was pointing out - via a rhetorical question - that it was not clear (like much of the OP's story) if they were in a pub or whether they were at a community football club.  Obviously a community football club would explain the presence of unaccompanied minors, thus answering @sheramber's question.

That's what I was commenting on - nothing to do with the chances of a successful insurance claim.  (Which I'm sure you will have noticed I had already advised him to stop pointlessly second-guessing about and wait for the insurance company's decision.  Then worry about it... )

Even if it were a pub, there's nothing in law that prevents anyone over the age of 16 from being in a pub unaccompanied by an adult. That aside I don't know many 16/17 year olds that haven't been in a pub with their mates.

jimjames

cjp2308 said:

Manxman_in_exile said:

@cjp2308 -  if I understand correctly you have made a claim against your insurance but they haven't given you a decision yet.  Is that correct?

I don't see any benefit to you in pointless speculation about what your insurer may or may not decide to do.  Wait until they've actually reached a decision.

Any decisions made by the police or CPS as to whether or not to charge these lads is none of your business really.  And you have no idea anyway what the circumstances leading to any (non-) prosecution decision may have been.

And I know you appreciate this now, but just throwing your keys on the table and asking no-one in particular to look after them was daft.  You say you and your friends stayed there (drinking?) for some hours.  Who did you think was looking after the car?

Yes,  certainly appreciate it now. 

I suppose one of the friends I was sat with on the table and who saw me put the keys on the table. But your right I should have instructed one of them specifically

You said in another post that you got hold of the key to the compound to be able to retrieve the car later. How did the kids leave if they didn't have a key? I can also see the flaw when you want to collect your car and have the compound key but no car keys? How do you find out where the car keys are in the morning?

DB1904

jimjames said:

cjp2308 said:

Manxman_in_exile said:

@cjp2308 -  if I understand correctly you have made a claim against your insurance but they haven't given you a decision yet.  Is that correct?

I don't see any benefit to you in pointless speculation about what your insurer may or may not decide to do.  Wait until they've actually reached a decision.

Any decisions made by the police or CPS as to whether or not to charge these lads is none of your business really.  And you have no idea anyway what the circumstances leading to any (non-) prosecution decision may have been.

And I know you appreciate this now, but just throwing your keys on the table and asking no-one in particular to look after them was daft.  You say you and your friends stayed there (drinking?) for some hours.  Who did you think was looking after the car?

Yes,  certainly appreciate it now. 

I suppose one of the friends I was sat with on the table and who saw me put the keys on the table. But your right I should have instructed one of them specifically

You said in another post that you got hold of the key to the compound to be able to retrieve the car later. How did the kids leave if they didn't have a key? I can also see the flaw when you want to collect your car and have the compound key but no car keys? How do you find out where the car keys are in the morning?

I would guess the car park is closed when the premises a closed. ie when the last member of staff leaves. 

cjp2308

DB1904 said:

jimjames said:

cjp2308 said:

Manxman_in_exile said:

@cjp2308 -  if I understand correctly you have made a claim against your insurance but they haven't given you a decision yet.  Is that correct?

I don't see any benefit to you in pointless speculation about what your insurer may or may not decide to do.  Wait until they've actually reached a decision.

Any decisions made by the police or CPS as to whether or not to charge these lads is none of your business really.  And you have no idea anyway what the circumstances leading to any (non-) prosecution decision may have been.

And I know you appreciate this now, but just throwing your keys on the table and asking no-one in particular to look after them was daft.  You say you and your friends stayed there (drinking?) for some hours.  Who did you think was looking after the car?

Yes,  certainly appreciate it now. 

I suppose one of the friends I was sat with on the table and who saw me put the keys on the table. But your right I should have instructed one of them specifically

You said in another post that you got hold of the key to the compound to be able to retrieve the car later. How did the kids leave if they didn't have a key? I can also see the flaw when you want to collect your car and have the compound key but no car keys? How do you find out where the car keys are in the morning?

I would guess the car park is closed when the premises a closed. ie when the last member of staff leaves. 

Yeah that's right, wasn't closed when they gave me the key for it, but said they'll be locking it when closing.

The plan was for one of my friends to look after the car key so one of them would have had it to give back to me in the morning.

cjp2308

To keep this updated, my claim has been validated and has now been passed onto the settlement team.

Does this mean it's just a case of agreeing an acceptable amount and then waiting for payment?