Chav with no insurance

[Hodmedod.one]

OK, as briefly as possible.

 

My son was in a queue of traffic to get into a campsite on good friday in his 100% legal vehicle. The security wouldn't let the kid in front of my son into the campsite for some reason, so he slammed it in reverse and backed straight into the front of my boys car (two of my sons friends were in his car at the time).

 

The kid didn't have his insurance details with him, but gave my son his home phone number. He rang the number immediately and the kids mum said that he was insured fully comp, but she didn't know where the policy was and she would phone our home number with the details.

 

We got an estimate for the repair work at our local bodyshop and it is going to be around £800.

 

Surprise, no phone call ever came. My son kept ringing their home number and eventually got the kids old man. He aske dhim for the insurance details and the guy said how much to get it repaired? When my son told him, he said that was ridiculous, he works in the motor trade and you are a ******* ********. he then slammed the phone down. Since then, we have tried to speak to him twice and been told similar choice words.

 

Via my sons insurers and the company that the kid claimed to be insured by, we have now managed to find out that the last recorded policy on that car expired at the end of last month.

 

We have phoned the plods and reported it and they basically are not interested. My son is going into our local cop shop tomorrow to complain in person and hopefully get some action from them.

 

If the plods don't really care when you report someone for what amounts to criminal damage in an uninsured vehicle, is it really any wonder that so many cars are running around uninsured.

 

ANY SUGGESTIONS ON HOW WE CAN GET ANYTHING DONE ABOUT THIS WOULD BE MUCH APPRECIATED. DUE TO SGC/FAC, BASEBALL BAT IS NOT AN OPTION.

[Cranfield]

I had a very similar thing happen to me about three years ago, when an uninsured driver ran into the back of me.

 

He didn't have his Insurance with him, gave me a telephone number etc etc.

When I couldn't get any answer on the telephone the next day, I notified the Police.

It did take a visit to the Station to finally get them to do something and he was eventually prosecuted.

Which didn't do me a lot of practical good, as he never paid for the vehicle repairs.

Fortunately, my Insurance Company covered it as a "no fault" accident and I didn't lose my no claim, or pay any excess.

 

I suspect getting your Insurance Company to do the same for you, may be your best bet.

Its not worth getting steamed up about some little no-life.

[ronttuk]

things like this are what we pay legal cover for.

inform your ins company they should put you in contact with a soliceter who will act for you under the legal cover policy if you have it.

if not you can make a private claim agaisnt the other driver but its a very long an drawn out proceedure.

if you only have the registration number you can obtain his address via the post office.

these are the correct ways to sort it.

i would go round there with a few friends but i was brought up in the east end of london not everyones way but it worked for me when a similar thing happend to my car.

[digger]

there is a body that holds funds to pay for damage caused by scumbags such as damaged your sons car,batter your insurance company for details.

you also have pm for things best left between you and i

[henry d]

In a similar situation at the mo and ron & digger are right,the legal team will help out alright but if they can`t get anything you can get any un-insured losses from a fund that is set up by all insurance companies(can`t remember it`s name)and if you pester you company they will have to tell you.

[Mungler]

Okay, you can have some "real" fun with this.

 

1. check your insurance policy documentation for legal expenses insurance. If you don't have it on your motor policy you may find cover under a household contents policy. I had a client that turned up £50,000 of cover from some National Trust scheme.

 

2. do not take any private legal steps until you fully investigate your own legal expenses cover - if you do, they will find an excuse to repudiate cover.

 

3. if you determine that you do have cover, they will try and fob you off with one of their panel solicitors - they will put it in the strongest terms that you *have* to go with one of their solicitors. In all likeliness you do not. The firms on their panels get there not because they are the best but because they are the cheapest (most of the work is subbed out to legal executives).

 

The legal expenses cover is important, because it means you have an almost bottomless pit of money to throw at making the other side's life a misery.

 

Next, the passengers in the vehicle need to consider whether or not they have sustained a personal injury. Frankly, the smallest amount of whiplash will get a minimum of £500 a pop and a good claim would be over a £1k. The passengers will be claiming against the driver of the other vehicle - they too individually may have their own legal expenses cover, but if not will probably be able to get a no win no fee solicitor to act for them.

 

Given the events of the accident (and provided you have independant witnesses) then I would assume that the other side cannot contest liability. So the only argument is "how much".

 

Put a formal complaint into the police. If you report a crime they are under a public duty to investigate and prosecute. If no joy tomorrow, write to the chief constable immediately.

 

You could have some real fun with this.

 

Incidentally, my hourly rates are most reasonable

 

Andy

[Hodmedod.one]

I have already been on to the MIB (no, not the Men In Black but the Motor Insurers Bureau) and they have informed me that i will have to pay a £300 excess and am likely to have to pay for the other costs upfront before trying to re-coup them. Most likely event is that will just cause me more ****-ache.

 

I can most likely repair the car myself for less than £300-but thats simply not the point is it? Me being the law-abiding one and all.

 

I already have details of his residence and its not a million miles away.

 

I just hope plod is more help than we usually find them and maybe i'll spend £18 on upgrading to legal cover on my policy with NU and see how far they can get with recovering my repairs/accrued expenses.

 

Thanks for the replies so far...

 

 

Hodmedod.one's Son!

[digger]

i can see why the baseball bat isnt an option with regard to your fac/shotgun licence and it wont pay for the damage to the car.i had roughly the same difficulty when i had my van and tools stolen last year,i traced the litle **** who did it and had him visited.it didnt pay for my tools or loss of earnings but it made me feel justice had been done.

now the poor ickle lamb has to pay for a soft top mg that caught fire even though he (allegedly) only had third party insurance,repay the loan he took out to buy it and look over his shoulder

 

 

the above is all a lie for those who are browsing this forum and not registered,those who voted labour,members of our police force and any chavs.

[Mungler]

1. get the police to prosecute

2. sue for the cost of the repairs and any personal injury.

3. enforce the judgment by making him bankrupt

[ronttuk]

the insurance ombudsman can recover uninsured losses if youve got at least 6yrs to wait for your money.

the old bill are next to usless in a situation like this unless you are speeding or drunk driving or driving illegally its more paper work that most of the dip wits now employed as a copper can manage to read let alone act on.

sorry but thats my opinion now days about the police force!

 

now ill tell you a true story what happend to my friend,

he and his family were driving alone a "b" road it was raining quite hard another car hit him head on on the wrong side of the road,

both cars were a total loss (right off) the girl who crashed into him died at the scene.

my friend sufferd knee injurys his wife back injurys and his 2 children badly shacken / shocked.

after they were realeased from hospital they put in a claim for the accident,because there was a death in the accident the insurance company said hes got to wait for the inquest,so 11 months later the inquest is heard.the dead girls family were allowed to question, insult and itterogate my friend his wife and the 2 kids.

after they ranted/blamed my friend for the accident the police were called as witnesses with the doctor who atended the scene and the outopsy report which showed the girl who caused the crash by driving on the wrong side of the road was using cocane and canabis and had more than enough to make her unsuitable to drive,she was by the looks of it trying to reach her handbag at the time of the accident which contained drugs.

mt friend lost his job due to injurys his wife had to take 6 months of sick his car was written off he still suffers with knee injurys and has just had his 3rd operation on his knee.

that was 4 yrs ago neither his or her insurance company will pay him any money as she was under the influence of drugs,he hasnt recieved a penny ,he has been advised to claim from her estate, her esate was the car thats all she owned,

so basicly a normal law abideing hard working family has been reduced to near bankruptcy because an insurance company wriggled there way out of paying a claim.

the police wont take any action the insurance companys dont want to know and his son still has nightmares about the accident!!

Edited April 20, 2006 by ronttuk

[Catamong]

H,

 

Did your son get any independent witnesses, i.e. bystanders who could support your son's claim?

 

It will be a lot easier if it ever went to court, as the other driver is likely to argue that your son ran into the back of him.

 

Your son's Insurers should take up the case, but they'll only claim from the other driver if they believe they can make it stick, in court if necessary.

 

Don't expect any help from the police, as the accident occurred presumably on private property, as they're far too busy trapping other law abiding citizens with high-tech cameras.

 

Cat.

[Dunkield]

Don't forget passengers are NOT regarded at witnesses, they need to be independant. I got hit by someone fully insured and it ended up 50/50 as I couldn't afford the time to go to court in Scotland - so having all the docs in place doesn't even help you sometimes.

 

What I learnt from that experince is you need insurance from a company with an **** kicking legal team behind otherwise you end doing it all yourself, and I was with Lloyds at the time so I thought I would be OK

[SNAKEBITE]

ANY SUGGESTIONS ON HOW WE CAN GET ANYTHING DONE ABOUT THIS WOULD BE MUCH APPRECIATED. DUE TO SGC/FAC, BASEBALL BAT IS NOT AN OPTION.

You must know someone without a SGC/FAC

[Browning GTS]

You should just hope that the little scum bag sped off and went through a speed camera, because its the only thing that plod is good at enforcing.

[lurcherboy]

I assume your son reported the accident to the police with the alloted time, if so they will have to proceed if you make a complaint.

 

Send your son to the doctors for his whiplash injury ASAP.

 

Good luck

 

 

LB

[SNAKEBITE]

Send your son to the doctors for his whiplash injury ASAP.

According to the accident investigator that came to see me after my "incident" whiplash can take up to 2 weeks to take effect, so going now is not going to look bad at all.

[Topgunners]

I had an accident last January when a BRAND new beamer ran into my suzy whilst i was parked at the traffic lights.

 

I put in a claim and am still waiting for my payout 15 MONTHSlater and JERKO ADMMITTED liability.

 

Also, anybody want a cheap Jimny for riding round the fields, still runs well.

 

If so; PM me.

 

Dave K

[old rooster]

the insurance ombudsman can recover uninsured losses if youve got at least 6yrs to wait for your money.

the old bill are next to usless in a situation like this unless you are speeding or drunk driving or driving illegally its more paper work that most of the dip wits now employed as a copper can manage to read let alone act on.

sorry but thats my opinion now days about the police force!

 

now ill tell you a true story what happend to my friend,

he and his family were driving alone a "b" road it was raining quite hard another car hit him head on on the wrong side of the road,

both cars were a total loss (right off) the girl who crashed into him died at the scene.

my friend sufferd knee injurys his wife back injurys and his 2 children badly shacken / shocked.

after they were realeased from hospital they put in a claim for the accident,because there was a death in the accident the insurance company said hes got to wait for the inquest,so 11 months later the inquest is heard.the dead girls family were allowed to question, insult and itterogate my friend his wife and the 2 kids.

after they ranted/blamed my friend for the accident the police were called as witnesses with the doctor who atended the scene and the outopsy report which showed the girl who caused the crash by driving on the wrong side of the road was using cocane and canabis and had more than enough to make her unsuitable to drive,she was by the looks of it trying to reach her handbag at the time of the accident which contained drugs.

mt friend lost his job due to injurys his wife had to take 6 months of sick his car was written off he still suffers with knee injurys and has just had his 3rd operation on his knee.

that was 4 yrs ago neither his or her insurance company will pay him any money as she was under the influence of drugs,he hasnt recieved a penny ,he has been advised to claim from her estate, her esate was the car thats all she owned,

so basicly a normal law abideing hard working family has been reduced to near bankruptcy because an insurance company wriggled there way out of paying a claim.

the police wont take any action the insurance companys dont want to know and his son still has nightmares about the accident!!

 

And so it all goes on and on. What sort of country do we really live in now !!!!! What incentive is there to be law abiding when scum get the better outcome time after time (OK so the offending scum in this case died but that didn't help the innocent parties involved)

[mossy835]

they want your money but dont want to pay out.

[Dunkield]

Topical, the RAC called me the other day offering an uplift to their services, apparently (according to them) there are almost 2 million uninsured cars on the road in the UK B)

[Andy75]

I had an accident last January when a BRAND new beamer ran into my suzy whilst i was parked at the traffic lights.

 

I put in a claim and am still waiting for my payout 15 MONTHSlater and JERKO ADMMITTED liability.

 

Also, anybody want a cheap Jimny for riding round the fields, still runs well.

 

If so; PM me.

 

Dave K

 

Dave you have PM B)

[Gemini]

My son was hit from behind by a minger who was showing off. He was stationary at the time and this eejit ran straight into the back of his car; only had it for a week. He suffered very bad neck pains during the following days and I eventually made him go to hospital, where they diagnosed whiplash.

 

This was last July, and since then the insurance company has requested all the information on the accident no less than three times, having apparently lost it on two occasions.

They have instructed another claims firm (read “******** idiots”) to pursue the claim for compensation against the other driver (who is insured by the same insurance company as my son), who also claimed to have lost all the information. Until my son told them he was changing to another firm……..at which point they phoned up to say that they had found everything again… B) ..yeh!

 

At the current rate of progress we are looking at a couple of years at least, but if my lad was a couple of days late paying his premium, they would be on his case immediately.

G.M.

[Highlander]

I just wonder how many of you voted our present government and Mr B Liar into power. So far I’ve yet to meet anyone who’ll admit to it!

 

Just heard on the radio this am that the police reckon the forging of documents especially passports by criminal gangs is out of control and unstoppable. Yet this government are still pressing ahead with the idea of ID cards. It’s the same ol’ same ol’…law abiding citizens have no need of these things and the criminal element can get around them anyway so what’s the b***** point??? Surely there should be one simple rule…you have a simple choice, live in society by its laws, no problem, break those laws then pay the penalty! Only there’s no penalty in today’s society. The average prison ‘time served’ sentence is about 22 months. Who the **** is in charge here?

[henry d]

I AM......now back to the topic please B)

[al4x]

Ok what you need to do as well as pushing the police is to get your insurers on the case. Now they have a database of vehicles and whether they are insured or not it means assuming they are that you can persue a claim through them and they will just send it direct to the other parties insurer. The fact you know a policy ran out on the other vehicle doesn't necessarily mean they didn't take out another policy.

The MIB will probably be no help as I believe they only pay out if you've been injured by an uninsured driver. If your insurers come back with he's uninsured get back in touch with the police and push and push to get the other party a visit.