Seany
Member
Registered: 13th Dec 06
Location: Dunfermline, Fife : Drives Astra cdti Sri
User status: Offline
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If the police pursue it your mum will probably be looking at 6 points and a fine. Insurance doesn't auto renew in some cases unfortunately. She can still claim through the other insurance though her not having insurance at the time will probably make it harder to chase them up.
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Butler
Member
Registered: 2nd Jun 05
Location: London
User status: Offline
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John is right, you should be making the claim through the insurance of the woman who admitted liability.
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Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
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Tell your mum to tell the other driver to take a run and jump as thats not how insurance works. And that she will be claiming through their insurance for the damage on her car (your mums).
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baza31
Member
Registered: 19th Apr 03
Location: yorkshire
User status: Offline
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Tell your mum to start taking responsibility for her own actions . She was uninsured it's only her fault . I have no sympathy to behonest. I know it's easy to forget same with mots etc but if you want to drive a car then you need to be on ball with the running of it
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FAZ
Premium Member
Registered: 24th Nov 07
Location: Coventry
User status: Offline
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doesnt insurance renew automatically unless you switch companies / advise the previous insurance company??
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flybikeslee
Member
Registered: 2nd Jan 07
Location: Liverpool
User status: Offline
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quote:
Originally posted by baza31
Tell your mum to start taking responsibility for her own actions . She was uninsured it's only her fault . I have no sympathy to behonest. I know it's easy to forget same with mots etc but if you want to drive a car then you need to be on ball with the running of it
it's her fault she's uninsured correct...at no point have i made out otherwise. However it was the other persons fault who drove into her. so politely get off your high horse and do one
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flybikeslee
Member
Registered: 2nd Jan 07
Location: Liverpool
User status: Offline
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quote:
Originally posted by FAZ
doesnt insurance renew automatically unless you switch companies / advise the previous insurance company??
apparantly not faz!
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Baskey
Member
Registered: 31st May 06
User status: Offline
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quote:
Originally posted by baza31
Tell your mum to start taking responsibility for her own actions . She was uninsured it's only her fault . I have no sympathy to behonest. I know it's easy to forget same with mots etc but if you want to drive a car then you need to be on ball with the running of it
What the fuck are you on about ?
Because she had no insurance it's ok for someone to crash into her?? How does that work?? If he got out and smashed her in the face would that be ok too as she had no insurance?
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baza31
Member
Registered: 19th Apr 03
Location: yorkshire
User status: Offline
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quote:
Originally posted by Baskey
quote:
Originally posted by baza31
Tell your mum to start taking responsibility for her own actions . She was uninsured it's only her fault . I have no sympathy to behonest. I know it's easy to forget same with mots etc but if you want to drive a car then you need to be on ball with the running of it
What the fuck are you on about ?
Because she had no insurance it's ok for someone to crash into her?? How does that work?? If he got out and smashed her in the face would that be ok too as she had no insurance?
The women who bumped into wanted her insurance details it's what you do when u have crash no matter who's fault, insurance companies deal with rest. But his mum doesn't have details because she's uninsured . Therefore your mum can't moan about the outcome . Its all uninsured drivers that crank every other fuckers insurance up
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nick_sri
Member
Registered: 5th May 09
Location: Crewe , Cheshire
User status: Offline
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quote:
Originally posted by baza31
quote:
Originally posted by Baskey
quote:
Originally posted by baza31
Tell your mum to start taking responsibility for her own actions . She was uninsured it's only her fault . I have no sympathy to behonest. I know it's easy to forget same with mots etc but if you want to drive a car then you need to be on ball with the running of it
What the fuck are you on about ?
Because she had no insurance it's ok for someone to crash into her?? How does that work?? If he got out and smashed her in the face would that be ok too as she had no insurance?
The women who bumped into wanted her insurance details it's what you do when u have crash no matter who's fault, insurance companies deal with rest. But his mum doesn't have details because she's uninsured . Therefore your mum can't moan about the outcome . Its all uninsured drivers that crank every other fuckers insurance up
its not like she went out knowing she had no insurance , it was a mistake we all make them, wind your neck in
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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sorry guys i agree with baza here, harsh that she fot hit but in a way also lucky she didnt crash into someone else first.
id say she can still claim off the other persons insurance as she wont be involving her own (if she had any) as it wasnt her fault.
out of interest, if your car was on your driveway, uninsured, and someone hit it, the same would apply then, wouldnt it?
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Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
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What would apply?? The person who hit your car on the drive, could try and claim off of your insurance even though they were at fault??
Hmm, might go out and reverse into some1 and claim off there insurance. Could do with a new rear bumper.
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daymoon
Premium Member
Registered: 1st Aug 08
Location: Selby, North Yorkshire
User status: Offline
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It seems that companies changed their rules as my mate got a reminded about insurance and that states that it is not renewed automatically. Before it used to be other way round were insurance would renew if you didn't call them!
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dannyboy17
Member
Registered: 27th Oct 11
Location: Aylesbury
User status: Offline
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quote:
Originally posted by Corsa_Sport21
What would apply?? The person who hit your car on the drive, could try and claim off of your insurance even though they were at fault??
Hmm, might go out and reverse into some1 and claim off there insurance. Could do with a new rear bumper.
i think he ment if the car was parked on private property uninsured and some one some how crashed into it, would you still be able to claim of the person?
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baza31
Member
Registered: 19th Apr 03
Location: yorkshire
User status: Offline
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27-01-2012 at 15:34
quote:
Originally posted by baza31
quote:
Originally posted by Baskey
quote:
Originally posted by baza31
Tell your mum to start taking responsibility for her own actions . She was uninsured it's only her fault . I have no sympathy to behonest. I know it's easy to forget same with mots etc but if you want to drive a car then you need to be on ball with the running of it
What the fuck are you on about ?
Because she had no insurance it's ok for someone to crash into her?? How does that work?? If he got out and smashed her in the face would that be ok too as she had no insurance?
The women who bumped into wanted her insurance details it's what you do when u have crash no matter who's fault, insurance companies deal with rest. But his mum doesn't have details because she's uninsured . Therefore your mum can't moan about the outcome . Its all uninsured drivers that crank every other fuckers insurance up
its not like she went out knowing she had no insurance , it was a mistake we all make them, wind your neck in
Yes mistakes happen but when her mistakes can effect other people who haven't made a mistake this is when there becomes a problem. I am sure she's had numerous reminders and calls and I dont think for one minute she just forgot for two months . It's not about me winding my neck in , am insured, I pay nearly 3 grand for my traders . If your mum crashed into me uninsured not only would I not be able to claim off her I'd have to claim on my own policy and pay an increase in my premium . There's no excuse IMO .
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T21SVJ
Member
Registered: 14th Sep 06
Location: formby Drives: Company Cars
User status: Offline
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knowing his mum im pritty sure if she had been informed about her insurance 2 months ago she would of just re-newed the policy straight away.
she not the type of person who will try and get away with driving with no insurance.
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Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
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quote:
Originally posted by dannyboy17
quote:
Originally posted by Corsa_Sport21
What would apply?? The person who hit your car on the drive, could try and claim off of your insurance even though they were at fault??
Hmm, might go out and reverse into some1 and claim off there insurance. Could do with a new rear bumper.
i think he ment if the car was parked on private property uninsured and some one some how crashed into it, would you still be able to claim of the person?
Of course you could.
Same as if some1 smacked into your wall and knocked it down, you could claim off of their insurance.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by Corsa_Sport21
What would apply?? The person who hit your car on the drive, could try and claim off of your insurance even though they were at fault??
Hmm, might go out and reverse into some1 and claim off there insurance. Could do with a new rear bumper.
wrong end of the stick. you have it.
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Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
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Now that i re-read it i get ya.
Just when u said you agree with baza, i thought you were implying she was at fault.
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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Seen this many times. If the police didn't attend the scene they won't have an interest.
If the other person is at fault you use her insurance, the lack of insurance on your mums part doesn't remove any liability from the other party, nor does it remove your mums legal right to be put back in the position she was in prior to the accident (in this case, an unmanaged car)
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bigron1988
Member
Registered: 29th Aug 09
Location: Southport, Merseyside
User status: Offline
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pics of your mum needed tbh
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Bobber123
Member
Registered: 18th Aug 08
Location: E Riding of Yorkshire
User status: Offline
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thats a bit like asking somebody to pay for your car if you drove into the back of them, thats not how it works, what if a car drove into you whilst walking accross a zebra crossing, they wouldnt ask you for money to fix their car? yes it was a stupid mistake not having insurance but mistakes are easy to make... i didnt realise my tax had ran out for a month as my reminder got sent to my old house just after i moved home.
as mentioned above, get the car insured asap and kindly inform the woman who crashed into your mum that the cars will be repaired at the cost of HER insurers and not your mums (even though at the time she did not have cover)
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Mike
Organiser: North West and North Wales
Premium Member
Registered: 20th May 06
Location: nr. Skipton, North Yorkshire
User status: Offline
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What I want to know from all this is when did Baza suddenly grow some morals? 
Most of the companies I've been insured with haven't auto renewed. Generally if you pay annually, they don't auto renew in my experience. I've also never had a call to tell me my insurance has expired so it's perfectly viable that his Mum missed one letter or forgot reading it and that has led to this situation.
Don't get me wrong, the fact there's uninsured drivers out there pisses me off massively. I have to pay over £1200 to insure a 1.3 diesel van at 25 with 6 years ncb which is disgusting enough but then there's other people who just don't bother, if they get caught, £250 fine, that'd still be a £1000 pound saving for me if I only got caught once in a year  What a system to have, where the punishment for the crime actually costs less than not committing the crime in the first place In this case though, she's not intentionally avoided paying, she's not attempting to play the system, she's made a valid mistake. Do you really think this thread would've been made if she didn't originally believe that she had insurance in place?
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Toby
Premium Member
Registered: 29th Nov 05
User status: Offline
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I'm still trying to get around the fact that the woman who drove into your mum thinks your mums insurance would fix her car!
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cavmad
Member
Registered: 25th Feb 06
Location: Fucking annoying, unfunny, twatbag cavmad *racist
User status: Offline
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How will her getting insured now help matters?
The other party's insurers will want to see the certificate for the day the accident happened and if this lad's mum wants her insurers to help they'll fuck her right off when they realise what's happened. |If she's unlucky they might even see it as some kind of fraud at the same time, then she's really up shit creek without a paddle.
Two options that I can see: either front the third party out, explain it was their fault and they can gtf or take it on the chin and pay repair costs.
Personally I'd opt for the latter: if their insurance start poking round or the they decide to take it to a small claims court this woman is going to be knackered.
Also despite the expense of forking our for repairs it'll be a lot cheaper in the long run as six points on her licence means much increased insurance costs for the next few years.
It was her fault for not being insured whichever way you look at it and she should do the honourable thing and cough up regardless of who was to blame.
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