Claiming off someone else's insurance when you don't have insurance?

I agree it should have been insured if it was on the road.

 

Hey George ok why don't you go down the matt advice route lol, lets agree that matts right and you should pursue this claim where you were ILEGALLY PARKED, and low and behold the woman decides to give you the money that matt says you quite rightly should have, and she pays up, then her nosey son gets involved and asks you for your insurance for that day of the accident, which you have to legally show in this country when asked ,oh yeah you don't have any do you, then the nosey son gets the police involved which he is entitled to do on his mother behalf , now you are being prosecuted and quite rightly too for maybe 6pts, upto £1000 and the loss of the car.
Do me a favour Matt don't give dick advice to George when the money he may get from the lady is far out weighed for the prosecution costs of an illegally parked car. the only shit I am reading is from you mate ........

 

What i dont get is the people on this thread thinking they know the answer, why give out advice when you have no experience or knowledge?

For example, I know nothing about fixing a broken down car, but you wont find me arguing with a mechanic about how to fix it.

 

This. Some people are too blinded about the 'no insurance' issue forgetting the fact it has no bearing on whether you could/should/can/will/might claim for the damage jezzz

 

And some people on this thead are not seeing the impact it would have on the op to make such claim.
My view on this is clear I don't like cars no having no insurance yet I still post to the op's interest.
The way you come across Mattyw your view seems more concerned about you can claim you can claim you dont need insurance without thinking what it could mean to the op.
I would be interested on your view if you clipped/hit a car that was not insured would you be happy for them to make a claim on you?

 

But this is the point Ovy

this all started with people saying you cant claim for the damage because his car wasnt insured - thats wrong.

i completely agree, his car should be insured and shouldnt be on the road but this is secondary to the fact his parked car has been hit.

sorry to break it to you but you could hit and uninsured driver tomorrow or someone without a license, in a stolen car, heck an illegal immigrant - insurance is in place for that very reason. I dont condone it, but thats why i pay for insurance so im covered irrespective of who or what i hit.

 

What happens when the person who hit his car says that they'll only speak to his insurance company?

 

Actually this was his first question.
[
QUOTE= But what are my options if she wants to go down the insurance route? Also will this show up on further as a claim on my behalf?
Cheers[/QUOTE]

which we happily answered over and over, with the right advice...........

 

think we pretty much covered this question in the last 5 pages smegal lol

 

It still seemed to be a discussion.

 

He doesnt have one... But she would report it to her insurer and her insurer would deal with his repairs. Whether he has an insurer or not wouldnt matter as they would never be involved if she is admitting fault.

which we happily answered over and over, with the right advice...........[/QUOTE]

but you didnt, the right advice is that he can claim of her insurance, you all said he couldnt because he wasnt insured

 

I'm guess you haven't made many insurance claims. Your insurance company makes the repairs, you pay your excess. Then your insurance company recovers the costs from the other party and you get your excess back.

 

but you didnt, the right advice is that he can claim of her insurance, you all said he couldnt because he wasnt insured[/QUOTE]

i bet her insurance wouldn't pay out when they find out he's not insured. Insurance companies only need the slightest excuse to not pay.

 

Nope, thats standard practice in the event of a liability dispute, if you hit someone in the rear tomorrow and called your insurer, your insure would do whats called a 'third party capture' where they deal with all of their repairs with no involvement of their own insurer also mitigating the need to pay an excess.

 

only when liability has been sorted

 

i bet her insurance wouldn't pay out when they find out he's not insured. Insurance companies only need the slightest excuse to not pay.[/QUOTE]

They would, as RTA insurer of her vehicle they are responsible for any damages.

 

Yes, so in this case, she admitted to hitting his parked car, so there is no liability issue!

 

She hasn't admitted liability, she said she didn't realize she had hit him.

 

Christ im not getting into this, she has 'owned up' saying 'sorry i didnt realise' how do you not reliase then remember you did when someone posts you a letter?

 

Maybe cause she's old and doddery and not a very good driver. But let's just put this to bed, the op wasn't insured so if his car wasn't there she wouldn't of hit it, full stop.

 

....and so if he wanted to claim off her insurance, he could

 

Depends if you have morals or not

 

But yet again, that wasnt the point

he was being told he couldnt claim because his car wasnt insured

i have therefore tried to educate you lot. Some have taken some benefit from it, some just want to keep arguing over it

 

but you didnt, the right advice is that he can claim of her insurance, you all said he couldnt because he wasnt insured[/QUOTE]

As usual matty your a writer and not a reader, you confusing me with someone else mate, not once did I say to George he could not claim??, I advised him NOT TO CLAIM,i told him to drop it as fast as he can before the police may/if/could get involved and he would be better dropping it rather than get a £1000 fine and 6pts and his car taken. please and I do say please if you do insist on quoting me then please do it on context to his first question
George QUOTE= But what are my options if she wants to go down the insurance route? Also will this show up on further as a claim on my behalf?
that I answered and I still stand by it correctly, move on George, be man take it on the chin cos you was illegally parked in the first place.... another life experiance to learn from...

 

Maybe me and everyone else can see that he has broken the law so shouldn't benefit, and we have morals. we pay for insurance, that's what everyone is pissed about. Your the only one that sees nothing wrong as long as you prove that your right and that the op can fleece her insurance.

 

But you are missing the whole point of this. Im not condoning having no insurance, im saying irrespective of whether he had insurance or not, she hit his parked car so he could claim against her policy for the damage.

 

This is a good read Some heated arguing going on about various RTA violations.

If both parties were honest, I'm sure it would just be a handshake and forgotten about, as both parties have broken the law.

Hope you get it all sorted anyway

 

@mattyw you are far to arguemenative just for the sake of the op YOU ARE RIGHT He can claim for his car being hit !!!
sadly all the way through this you failed to pick up on the Why he SHOULD NOT claim. It was never about not being able to legally make a claim, it was the implications it could have on him as said over and over again.

just to add abit of humour to this here is a scenario,
i could eat spaghetti with a spoon in the same way George has the legal right to make a claim.
the spaghetti makes a mess due to the spoon in the same way George could be in a mess if found to have no insurance
i eat spaghetti with fork less mess same as George lets it go he is left with damaged car be keeps his car without a fine and points on his license!!!

 

Like ive said, i was actually trying to educate some of you, not argue on morals.


But you lot really do need to read up on the regulations before wrongly quoting implications - he wont get 6 points (he is not driving the car) he will only get a £100 fine if he doesnt action the warning letter and doesnt insure/declare SORN (£50 if paid in 21 days) and it is only then he risks his vehicle being clamped/impounded if he fails to address, at which point he could become liable to a maximum £1000 fine by a court.

 

If this is the case then I stand corrected and apologise to all I have miss informed . However... I didn't think you could sorn a vehicle on the public highway? Anyway...
This also brings in more problems only £100 fine!! what this thread has now done has highlighted how easy it is to go sticking uninsured cars on the road with little penalty.

To to the op George I am glad you have a conscience and can see what is morally correct.

Sometimes being factually correct when thinks are morally wrong is a no win,

watch out for parked cars if you hit one that's not insured it may cost you big ££££ if they claim as it could only cost them £100 for parking it iligally ( sure there's a cash scam for someone there) anyway not good!!!

 

there you go again, making light of an illegal situation.

 

The OP has no legal right to have that vehicle on the road. Therefore any insurance claim against the other parties damage, whether they want to know if he is insured or not, is fraud.

This is where the topic becomes a non mototring issue, no matter how much info anyone has about cars/insurance, it them becomes a criminal act.

He 'could' have tried to claim, and without hiccup, may have got a good payout [Morals out the window] But, if any knowledge of his uninsured vehicle comes to light, the insurance claim would become invalid and he's facing criminal legal proceedings. An insurance company which is being cheated out of a settlement will go to town on you. Mine certainly would

Anyone with any arguments needs to contact their own solicitor or give me a PM for legal advise.

 

I wouldnt PM this bloke for any legal advice on the basis this whole statement is incorrect.

 

This thread cracks me up

I'm afraid matty is correct .

Everybody jumping on the bandwagon saying the car wasn't insured so shouldn't have been there etc ...

Truth is the OP can make a claim for damage wether his car is insured or not .

Here is a real story of a friend of mine , he was riding his motorbike on a main road . He had no licence , no insurance , no tax and no MOT ... An old dear pulled out infront of him at a petrol station , he hit her head on at 60mph

Technically he should not have been there .. But he was and the old dear still pulled out infront of him . It was her fault

He broke both legs and his colar bone amongst various other injuries ... He was paid out £50k from her insurance company

 

Ffs My point of view was never about that the op could or could not claim it was the risk of being done for no insurance in doing so and that it was morally incorrect . The op has put this to bed now.
Worse thing to start happening on a car forum is all the " you can get away with this" "its ok to have no insurance" ect ect .... We already come under a lot of criticism and are constantly labeled imo

 

jeez aint this thread died yet