Crashing an uninsured vehicle

6 points, £180 fine. if she has 6 points already she will lose licence. The insurer will repair the car so long as its not a write off if the have comp. they will then pursue their costs from your mate

ignore all the prison stuff

 

RE: oooooh i'm in my element now

She was TPFT and she didnt know the insurance company would wash their hands of her if other party wasnt insured. To be honest neither did I. Basically best to be fully comp then. She's learning the hard way.

If uninsured drivers are costing insurance companies enough to raise premiums to £30-£60 more than they should be, do they have any desire to reduce that amount? I'm sure you'd know more than me - Am I right that you used to work for a insurance company or do now?

As for the £250 I dont know the full story about that. I just know it was taken somewhere in Sheffield after the accident and they've charged £250 to release it. Something like £150 plus £12 everyday it was there. It certainly wasnt the excess.

 

7 years and counting

Insurance companies would like nothing better than to **** over uninsured drivers. however, the way the road traffic act works means that anyone who is hit by a car is covered in some way - whether the car was insured or not. this is a good thing but when the govt pay compensation/injuries they have to get the moneyfrom somewhere. All motor insurance companies pay hefty registration fees each year so the govt can take the money from there.

i would recommend anyone to be tpft if car is worth less than £1000. comp if higher.

i understand why your mum was charged the money. as she is only covered for fire and theft it was her responsibility to dispose of the car. most companies have 24 hour accident recovery so the only charges would be storage ones but many companies including mine would pay them for a short while until the PH decides what to do - usually 3 days

cheaper prices can hit people in the long run. my advice is stick with the big companies

 

RE: 7 years and counting

I see - that makes things clearer. When you say 'anyone who is hit by a car is covered in some way', how does that work - is the govt compensation claimed through the insurance company?

My car is worth the less than £1000 and its TPFT with Direct Line - so I should be ok then?

 

RE: 7 years and counting

last year a uninsured driver crashed right outside my house he wrote 3 parked cars off and damaged 2 others plus damage to walls gates etc everyone got paid out and the driver ended up in the cemetary