adam1985
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| posted on 2/11/08 at 01:58 PM |
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insurance help needed
hi all i lent my van to a mate who has crashed it the van is fine but he thinks the car is a write off then he finds out hes not insured what will
happen too him
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mookaloid
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| posted on 2/11/08 at 02:01 PM |
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I'd more worried about yourself. Allowing an uninsured driver to drivr your vehicle is also an offence I believe 
"That thing you're thinking - it wont be that."
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eznfrank
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| posted on 2/11/08 at 02:04 PM |
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Hate to tell you this mate but your insurer will have an rta liability which means they will have to settle the third party claim and they will then
look to recover the costs from you or your mate.
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andyharding
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| posted on 2/11/08 at 02:12 PM |
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He'll most likely be charged with driving without insurance. The other party will then have to take your mate to court or try to get compensated
for damage to their car. You thought he was insured so you've done nothing wrong and are lucky if your van wasn't damaged as you would
have been left to foot the bill for that.
Are you a Mac user or a retard?
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BenB
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| posted on 2/11/08 at 02:13 PM |
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Is he insured at all????
Quite a few policies have a clause saying that you can drive someone else's car 3rd party only.. IE then he'd be alright.
If he's not got any insurance at all then the bill will no doubt land at your feet.......
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philw
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| posted on 2/11/08 at 02:36 PM |
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I'm sure he told you he was insured, and you trusted him, therefore it's down to him.
Must try harder
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eznfrank
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| posted on 2/11/08 at 04:16 PM |
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Was on my phone before so couldn't give a proper answer.
I'm a fraud investigator for a big bank/motor insurer and we get this sort of thing quite a lot........
Assuming your mate was at fault??
Under the Road Traffic Act if a vehicle is being driven by an uninsured driver then is involved in an accident the non-fault party is entitled to turn
to any insurer of that vehicle (whether they cover the actual driver or not) - it's known as RTA Liability. Under the RTA the at fault insurer
will usually pay out and look to their insured (and the driver) to recover the costs they incurred. They will most likely ask you to sign a
"consent and indemnity" form (or similar) to allow them to deal with it. If you refuse to sign it the other party will likely try to take
you and your mate directly to court.
In terms of the police and your mate, unless they attended the scene it is fairly unlikely they will get involved now. Unless someone reports him
that is.
The above may not seem fair but that's how the law "should" be applied although it's not always the case.
Whatever you do DON'T tell your insurer you were driving as tempting as that might seem to some that is a recipe for disaster and a criminal
record!!
[Edited on 2/11/08 by eznfrank]
[Edited on 2/11/08 by eznfrank]
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