flybikeslee
Member
Registered: 2nd Jan 07
Location: Liverpool
User status: Offline
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Long and short of the story is my mums car got driven into yesterday, she rang her insurance to make a claim but they told her the policy hadn't renewed and she wasn't insured at the time. the other woman has admitted liability but wants her car fixing through my mums insurance....which obviously would/couldn't happen. It's my mums own stupid fault for not checking but where does she stand on the matter? 
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Jed D
Member
Registered: 15th Mar 11
Location: Durham
User status: Offline
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go with her to an accident repair shop and find out how much £££ it'll be to fix it and pay it out rite
IMO
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flybikeslee
Member
Registered: 2nd Jan 07
Location: Liverpool
User status: Offline
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so even though it's her fault take it as a knock on the head...i did suggest this but wasn't sure
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VrsTurbo
Premium Member
Registered: 8th Jun 10
User status: Offline
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ermm you need to get it fixed asap. Your mum is going to get shafted 6points + fine if her insurance/police find out and you were involved in a crash all the repair and injury claims will be done out of her pocket.
so get it sorted asap!
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flybikeslee
Member
Registered: 2nd Jan 07
Location: Liverpool
User status: Offline
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she rang the insurance and told them what had happened...they said they were liable to inform the police of the offence. I cant see them doing this in all honesty
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John
Member
Registered: 30th Jun 03
User status: Offline
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Why does she want it fixed through your mums insurance if she's admitted liability?
You mum is stuck though, I can imagine it could get bad for her if she doesn't pay up.
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andy1868
Member
Registered: 22nd Jun 06
Location: Burscough, Lancashire
User status: Offline
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So, have i got this right? somebody drove into your mums car, admitted liability but wants their car fixing by your mums insurance and not their own? 
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flybikeslee
Member
Registered: 2nd Jan 07
Location: Liverpool
User status: Offline
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she's old...and retarded
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flybikeslee
Member
Registered: 2nd Jan 07
Location: Liverpool
User status: Offline
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the other woman this is...my mum is obviously retarded for not checking. told her she's lucky she didn't run up the arse end of a new car tbh
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
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Not clear how the other woman wants to involve your insurer.
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flybikeslee
Member
Registered: 2nd Jan 07
Location: Liverpool
User status: Offline
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you're as miffed as me. she's under the understanding my mums insurance pays for her car...and vice versa
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chris_uk
Premium Member
Registered: 8th Jul 03
User status: Offline
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Dont policys auto renew anyway nowadays?
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flybikeslee
Member
Registered: 2nd Jan 07
Location: Liverpool
User status: Offline
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quote:
Originally posted by chris_uk
Dont policys auto renew anyway nowadays?
well....apparantly not
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Baskey
Member
Registered: 31st May 06
User status: Offline
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Your mums not insured so the other party will need to go through their insurance.
Your mum will get 6 points and prob £100 fine if she's got a clean licence
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
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Tell her its her fault and she's paying for all of it via her insurer.
The fact your mum wasn't insured doesn't preclude your ability to make a claim against the other driver.
The fact she was uninsured on the highway is a matter for the Police who may choose to pursue it as a separate issue, she might just have to take that on the chin if it comes up. No bearing on the repair though if you have an admission of liability.
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John
Member
Registered: 30th Jun 03
User status: Offline
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Phone womans insurance and start a claim.
Get mums car insured right now.
Hope it doesn't come up, be prepared for it to anyway.
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Baskey
Member
Registered: 31st May 06
User status: Offline
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Out of interest when did it run out and how often does tour mum drive the car? Seems funny she didn't get picked up by an anpr as most traffic cars have them now
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flybikeslee
Member
Registered: 2nd Jan 07
Location: Liverpool
User status: Offline
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2 months ago...she drives everyday 
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Baskey
Member
Registered: 31st May 06
User status: Offline
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BarnshaW
Member
Registered: 25th Oct 06
User status: Offline
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can I ask, does it not stipulate on a policy that they will automatically renew from the previous bank for policies? why was the insurance not renewed?
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
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Not all insurers do that.
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BarnshaW
Member
Registered: 25th Oct 06
User status: Offline
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i know but might be worth checking? if the money was in the account and it says on the policy it will automatically renew surely the insurance company can be held liable for that error or you could try and force that?
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
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That wouldn't form any sort of defence against the conviction, but it may help convince them to act on your behalf. I wouldn't want to rely on that too strongly though, it's hardly their obligation.
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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Get the car insured & ring the other woman's insurance. It doesn't matter if your mum isn't insured from a claiming point of view but the Police may have something to say if they found out
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flybikeslee
Member
Registered: 2nd Jan 07
Location: Liverpool
User status: Offline
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cheers gents 
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