Car Crash, other driver had no insurance!

[Bishbash]

Was in the car with the Mrs, she pulls into a small car park used by the public, 4 cars can be parked either side, there was a car in the middle, the Mrs pull in to see it full, at this point we are stationary.

The other cars reverses, hits us and then we all get out to have a little argument over what the hell the other driver was doing. Damage was a cracked front bumper to my girlfriends car.

The other driver got out, she said "Sorry, I did not look" then proceeded to claim she had no tax on the car. She was Polish and did not speak great English, neither did her boyfriend who was in the backseat minding the child they had in the car with no child seat.

Anyway I got the insurance details off her and got the Mrs to do the admin bit. Told them to get her tax sorted asap and that my girlfriend would be claiming off her insurance, she said OK, no problems etc, and we all carried on with our day.

That evening my girlfriend text her her to get the ball rolling and the Polish girl called back to say, "Actually I am not insured on the car, but my boyfriend is, can we say he was driving and you can claim". The Mrs said no, but we can do a cash deal of £350, which is how much a new bumper will cost from a garage. She said OK and can meet on Friday.

I bet you can guess what happens next.

Friday comes, no contact, she did not pick up the phone, reply to texts etc.

The Mrs asks to pay up or she will call the police. She already contacted the insurance to tell them she had a crash earlier in the week.

Now problem is what can the Mrs do to get her car fixed? She generally takes a dislike to Polish folk anyway, this is just making her mad. What will the police do to them? And, what will the insurers do to them? Can they get fined? and car taken away?

What is the normal course to take?
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[UnknownStuntm...]

call the rozzers. Simple. People like that (no insurance) don't deserve a break or a second chance. If I have to pay, they have to pay, and if they don't, let the law have them.

[.....]

Your missus should be able to claim on the Polish boyfriend's insurance as stated under the Road Traffic Act. This was the case when I was knocked off my bike by an uninsured driver who was driving his friend's car who had insurance. I was fully comp and got paid out by my insurers who then claimed from the 3rd party though. It might be more difficult if your girlfriend is TPF+T.

[waffles]

[Banned]

Nice folk the poles mostly are, bit to skint though ...

Nice folk the poles mostly are, bit to skint though ... :mrgreen
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[Dom_]

You should have just agreed to claim off her boyfriend. Now your stuck in the position that you knew you'd be stuck in when you decided to let them get away with no insurance.

[JonB]

Who are you insured with? I may be able to help you.
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[Raffles]

[ms51ves3]

[Dom_]

[Kickstart]

[Dom_]

He didnt see who was driving, the bloke got out the car and admitted liability.

[Phoenix]

[UnknownStuntm...]

[Raffles]

[UnknownStuntm...]

Actually yes I have. Recently I was on my pushbike and was hit by the wing mirror of a car that did not stop. I caught the last three digits of the number plate and the make and colour of the car. Within 3 days they'd found the fat prick who was driving, gone to see him, presented him with my account of events, and asked for his story and called me to ask me to make a statement for prosecution. All with out me making any more effort than a phone call. I have to say I'm impressed with that.

A lot of it has to do with how you approach the subject. If you come across as dick they won't take your complaint seriously. I would like to put money on you yourself failing the attitude test at some point in the past which has coloured your judgement.

All of which isn't really helpful to the OP. But what I'm saying is that they've got nothing at the moment, and this is the only route to getting something.

[Ste]

Report them to the police and make a claim to get the car fixed.

Uninsured drivers are covered by The Motor Insurance Bureau. You should be able to do this through any personal injury claims solicitors, if you've got legal cover with your insurance then they'll put you in contact with some no win no fee solicitors but IMO you're better choosing them yourself, the insurance company get paid by whichever they send people to.

[Cigaro]

As said, you can still claim from the boyfriend's insurance (assuming he is insured in the UK) as the RTA says that the insurance company must provide third party cover no matter who is driving the car.

[Bishbash]

Ahh, thanks chaps, good to know that my Mrs can claim off the chaps insurance.

The reason why she did not want to tell lies to her insurers is she doesn't want to commit fraud.

[Phoenix]

[Ol]

[Redoko]

Can we have an update on the situation?


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[Cigaro]

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