Uninsured Driver

[Laddey]

Thanks for your advice chaps.


He wont turn around and say he's not paying. I have numerous witnesses and i know the address, have pictures, statements and emails from the bloke. I have sufficient evidence to prove what happened. Id set the cunt on fire if he didnt pay up and left me with a wrote off car.


The heart string thing isnt true. My young friends know the chap and have also told me about his job. He IS training to be an officer at fleetwood nautical college.

I dont mean to sound a wanker or anything but the young lad knows who iam round here and will definitely not mess about.

I hope the thing is wrote off then i can get out of the finance agreement.

If not im gonna tell him i want coin in my pocket.

He has also got me a 14 day hire car, brand new astra. He sorted it the day after so im not without a car.

They're flying back from egypt 4 days early to clear it up and get the mess sorted.
Thanks again

 

[soze]

The sensible person in me says report it. You could get stung.

The money grabber in me says get the dad to admit to it, and agree to a price, into your videophone. At least you can then fuck him over if he fails to pay up. - but you'd have to do it today.

I'd probably do the first, but if you can make cash (and enough to put your mind at ease) and you really want to, you have to protect yourself...

Once you agreed a price if he then pulls out and you say "Give me the cash or the police find out it was your son driving". Does that make it blackmail?

 

[ECA]

My young friends know the chap and have also told me about his job. He IS training to be an officer at fleetwood nautical college.

Well, if he has to spend any amount of time in fleetwood, I'd say he's been punished enough! ( Fleetwoods geography means even on mild days it's windy as a motherfucker and on moderate days it's ridiculous ).
Also it has it's own smell, either from the sewage plants, the rubbish dumps or the fish , or some combination of all three.

Poor bastard.

 

[Scouse]

Once you agreed a price if he then pulls out and you say "Give me the cash or the police find out it was your son driving". Does that make it blackmail?

I'd say yes. But the thing about blackmail is to have something over the person so they can't dob you in - and if you've got a video of the father admitting that his son totalled your car whilst uninsured and agreeing to payment then he'd be daft to dob you in


Laddey - if you could see your way into getting me a cushy contract position with BAE IT that'd be nice too btw

 

[Moriath]

still think your soft tbh .. he has been a cnut and knows he shouldnt drive and he did so he should get whats coming to him tbh

If he hit a granny or a kid ... which he might do next time if he think is parents will bail him out ..

on your head tbh

 

[Billargh]

The more I think about it, they sound almost like they want to avoid police intervention at all costs. Wonder if the kid even has a license.

 

[Amphrax]

I might be at your house soon when im on duty after all I AM THE LAW!!!

 

[Scouse]

The more I think about it, they sound almost like they want to avoid police intervention at all costs. Wonder if the kid even has a license.

To be fair, you want to avoid police intervention in all but cases of paedophilia and rape. They're guaranteed to make a bad situation worse for all parties

 

[Laddey]

Somebody mentioned that i can refuse to have the car now as its been in an accident or something?

All i wanna do is get out of this pissing finance agreement.

 

[DaGaffer]

I do have one question; after the kid crashed into your Nissan Juke...how could you tell?

 

[Gumbo]

Are you over the halfway point of the finance period? There's often a clause, very tiny and the dealers/finance company's don't encourage you to find it, that says if you have made more than half the payments you can just hand the car back and walk away. VAG finance certainly has this.

Obviously going to be much harder to do with one in pieces, but that's another reason to get it fixed properly.

 

[old.user4556]

I've been hit by an uninsured driver and in my opinion, report it right away.

Even after reporting it right away to the police, my insurer and a full promise by the third party that they would pay for all the damage; it took me nearly three years to get the money back. I had legal cover and they wrote a letter demanding payment, she'd ignore it and then get a final response from the solicitor. She'd then agree to pay, but then not pay (stalling the whole process by months). The solicitor ended up having to start proceedings with her employer to arrest her wages at source to pay the funds back via a "payment plan". As I say, it took nearly three years.

Therefore, if you report it, they'll need to pay up anyway and there is at least some comeback if it's done via legal proceedings.

Don't fuck around.

Edit: if I remember rightly, the insurer then sent investigators to her property to arrange payment, but she simply ignored them. So between the letter writing, the final demands, the investigators and the arrest of her wages, it was years.

 

[old.user4556]

Are you over the halfway point of the finance period? There's often a clause, very tiny and the dealers/finance company's don't encourage you to find it, that says if you have made more than half the payments you can just hand the car back and walk away. VAG finance certainly has this.

All of them will under the Consumer Credit Act 1974 (can't remember the section) under the 'halves' rule.

 

[Access Denied]

That payment plan thingy is called an attachment of earnings. I'll echo everyone else here. Call the police and report him. He knew the risks when he decided to drive the car and did so anyway. It was just pure luck that the car he hit was parked and unoccupied. As far as I'm concerned he deserves everything he gets.

On a side note, insurance companies are cunts. I was tugged for no insurance a couple of years back, I knew the car had no policy attached to it however the missus and I were fully comp' on another car. When she called the insurance comany she specifically asked if we were BOTH covered third party and she was told yes. As it turns out it's only the policy holder who is covered third party and not the named driver. So I got 6 points, a £200 fine and it cost £90 to insure the car and £240 to get it out of the pound. When we called the insurance company to complain they told us that "They would never say anything like that." And when we reminded them that they record all calls and requested copies of the tapes were were told they had lost them.

Cunts.

 

[- English -]

The UK insurance system is so wank .. why don't they do it like anywhere else (pretty much in the world) and insurance the car not the person ....

 

[Litmus]

Thing is, if he doesnt pay it straight away and you dont get your car fixed... What excuse are you going to tell your insurance company as to why you didnt report it until 3 weeks after the accident.


AFAIK if you don't report it with in either 24 or 48(cant remember which) hours it can void your insurance.

 

[old.user4556]

AFAIK if you don't report it with in either 24 or 48(cant remember which) hours it can void your insurance.

Are you sure?

Are you sure you're not completely making that up?

There's still time to hit the edit button!

 

[Wazzerphuk]

Bet those that get put into comas get fucked over by their insurance companies, eh

 

[Laddey]

Well how is he gonna turn around in a few weeks and say im not getting any money when i have pictures of both cars and numerous witnesses.

He wont make a fuss, no way. I'd take more damages out on his car than what my repairs cost.

 

[old.user4556]

Very easily, he opens his mouth and says "you're not getting any money" and then guess what happens, you don't get any money. Wow

Maybe he'll do a runner, maybe he'll stall and play for time, maybe he'll promise to come up with the money but never will, maybe he'll deny it was ever him.

Seriously mate, I've been there, do it by the book. What are you scared of?

 

[Laddey]

Loosing my no claims. Ive got 3 years no claims soon. Im paying 250 a month insurance.

So i loose my no claims. My insurance refuse to insure me or i pay even more and cant afford it then im stuck with a car i cant drive but have to pay for

 

[Laddey]

And then if i go that route. The insurance company will take his son to a civil court and reclaim the funds used to pay for my vehicle etc. and he'll be worse off than just paying for my repairs.

 

[old.user4556]

No. You will only lose your no claims if the insurance company does not make a recovery from the other party; but you seem confident that this guy is going to dance up the street with a briefcase of cash, so what's the problem?

 

[old.user4556]

And then if i go that route. The insurance company will take his son to a civil court and reclaim the funds used to pay for my vehicle etc. and he'll be worse off than just paying for my repairs.

Jesus, you're almost defending this guy.

Well good luck whatever you decide.

 

[Litmus]

Are you sure?

Are you sure you're not completely making that up?

There's still time to hit the edit button!

No, i'm sure if you read the small print it says it somewhere, why wouldn't someone report an accident asap if they had one.... unless it was dodgy.

 

[Laddey]

Im seeing what options i have open to me.

He's transferring a grand to my bank wednesday morning as a deposit. If he fucks about i claim off my insurance and he doesn't get his money back.

He's already paid for the vehicle to be towed away and has me a rental car for 14 days. So why would he mess about?

Seeing what i have available to me and other peoples opinions on it.

 

[Laddey]

All i want to do is go the painless option for both sides. Yeah sure he smashed my car up with no insurance but we have all made mistakes and its not worth his career 1 way or the other

 

[old.user4556]

Ok good luck .

 

[Litmus]

That's understandable Laddy, but just watch out. The longer you leave it, the more the insurance company will question it if you decide to claim

 

[rynnor]

Are you sure?

Are you sure you're not completely making that up?

There's still time to hit the edit button!

I think in insurance policies it usually says you must notify them within reasonable time - this isnt strictly defined though but dont hang around for weeks on end.

Edit: Most people report these things pretty much immediatly so failure to do so could get you a grilling from the insurers and they may suspect a scam. There was also something on the AA site about failure to report promptly resulting in the Insurer refusing to cover you in the future.