Accident Details

diystarter7

SpudGunPaul said:

m0bov said:

SpudGunPaul said:

m0bov said:

SpudGunPaul said:

m0bov said:

SpudGunPaul said:

chrisw said:

[Deleted User] said:

In addition to the above, you must produce your insurance certificate if anyone is injured. There is no need for insurance details otherwise.

How do you do that at the roadside? It would take me a while trawling through my laptop at home to find who I am insured with, never mind dig out the certificate.

The law was written at a time when people carried their documents. Technically you still should. 

There has never been this law. You are given a producer, you do not need to carry any documents with you.

The Road Traffic Act will disagree with you, you commit an offence when you fail to produce on demand. Producing them within 7 days gives you a defence. 

Taken from the .gov website 

"If a police officer asks you to, you must be able to show:

• your driving licence
• a valid insurance certificate
• a valid MOT certificate (if your vehicle needs one)

If you don’t have the documents with you at the time, you may be asked to take them to a police station within 7 days."

So, a random driver doesn't need to see them. If an officer needs them, they check the NIB or you get 7 days.

That is correct as far as it goes.
However, we were not discussing a police officer, or indeed "a random driver".
The original question was about providing details to a driver involved in an accident. If anyone was injured, "any person having reasonable grounds" is entitled to see your certificate. If you can't produce it, you can indeed take it to a police station within seven days. However, in those circumstances you must also report the accident to the police ASAP, and in any case within 24 hours.

Most people inc me would not show a certificate to a random person or give an address.
I'd give my name, phone and insurance co name if i can remember it, if they are not happy with that they can call the cops.
Thanks

eskbanker

diystarter7 said:
Most people inc me would not [...] give an address.

Sounds like a massive generalisation to me, on what statistics do you base that assertion?

diystarter7

eskbanker said:

diystarter7 said:
Most people inc me would not [...] give an address.

Sounds like a massive generalisation to me, on what statistics do you base that assertion?

Exactly as I stated.

eskbanker

diystarter7 said:

eskbanker said:

diystarter7 said:
Most people inc me would not [...] give an address.

Sounds like a massive generalisation to me, on what statistics do you base that assertion?

Exactly as I stated.

???

I don't see anything that evidences the assertion that 'most people' would choose not to comply with the law post-accident?

SpudGunPaul

diystarter7 said:

SpudGunPaul said:

m0bov said:

SpudGunPaul said:

m0bov said:

SpudGunPaul said:

m0bov said:

SpudGunPaul said:

chrisw said:

[Deleted User] said:

In addition to the above, you must produce your insurance certificate if anyone is injured. There is no need for insurance details otherwise.

How do you do that at the roadside? It would take me a while trawling through my laptop at home to find who I am insured with, never mind dig out the certificate.

The law was written at a time when people carried their documents. Technically you still should. 

There has never been this law. You are given a producer, you do not need to carry any documents with you.

The Road Traffic Act will disagree with you, you commit an offence when you fail to produce on demand. Producing them within 7 days gives you a defence. 

Taken from the .gov website 

"If a police officer asks you to, you must be able to show:

• your driving licence
• a valid insurance certificate
• a valid MOT certificate (if your vehicle needs one)

If you don’t have the documents with you at the time, you may be asked to take them to a police station within 7 days."

So, a random driver doesn't need to see them. If an officer needs them, they check the NIB or you get 7 days.

That is correct as far as it goes.
However, we were not discussing a police officer, or indeed "a random driver".
The original question was about providing details to a driver involved in an accident. If anyone was injured, "any person having reasonable grounds" is entitled to see your certificate. If you can't produce it, you can indeed take it to a police station within seven days. However, in those circumstances you must also report the accident to the police ASAP, and in any case within 24 hours.

Most people inc me would not show a certificate to a random person or give an address.
I'd give my name, phone and insurance co name if i can remember it, if they are not happy with that they can call the cops.
Thanks

I think most people would comply with the law.

Grey_Critic

I often wonder when reading topics such as this just how bloody awkward really are.

People say they have no idea who their insurer is without going home and chacking - They are not going to give their details because these days there are so many dodgy people about.

If you tried that approach with me then you would be going nowhere until the Police arrived and you can exlain to them why you are refusing to actually do what the law requires you should do.

facade

diystarter7 said:

Most people inc me would not show a certificate to a random person or give an address.
I'd give my name, phone and insurance co name if i can remember it, if they are not happy with that they can call the cops.
Thanks

It is rather difficult to report the accident to an insurer without the name & address of the other driver, rightly so as the identity of the driver at fault has to be proved or the at fault insurer will tell the innocent party to whistle for the money.

diystarter7

eskbanker said:

diystarter7 said:

eskbanker said:

diystarter7 said:
Most people inc me would not [...] give an address.

Sounds like a massive generalisation to me, on what statistics do you base that assertion?

Exactly as I stated.

???

I don't see anything that evidences the assertion that 'most people' would choose not to comply with the law post-accident?

point number 3

diystarter7

facade said:

diystarter7 said:

Most people inc me would not show a certificate to a random person or give an address.
I'd give my name, phone and insurance co name if i can remember it, if they are not happy with that they can call the cops.
Thanks

It is rather difficult to report the accident to an insurer without the name & address of the other driver, rightly so as the identity of the driver at fault has to be proved or the at fault insurer will tell the innocent party to whistle for the money.

the thread is about producing on site and my comments relate to that.  To be clear i would not if felt under threat and produce later

diystarter7

Grey_Critic said:

I often wonder when reading topics such as this just how bloody awkward really are.

People say they have no idea who their insurer is without going home and chacking - They are not going to give their details because these days there are so many dodgy people about.

If you tried that approach with me then you would be going nowhere until the Police arrived and you can exlain to them why you are refusing to actually do what the law requires you should do.

Exactly what i said, if i felt uncomfortable, i would not to them but to the police.
Often an exchange of phone numbers and ensuring you have correct car reg/make/colour etc and then talking, and exchanging details works later. TBH, I cant recall right now who my car ins is with for certain.

Clearly the post is about or not showing insurance cert on site but you dont need to,

See point 3.
Thanks