Car Accident - No Insurance
Hey folks. Wife just had a car run up the side. Did the police thing with the coppers, they've asked her to attend the station tomorrow to collect the report. There were a few arabic folks around as it was just outside the compound, and the other driver has admitted fault. However he also didn't have insurance. It was a company vehicle, and the gaffer attended to confirm the same.
Any idea what happens next? Do I have to come to a hopefully amicable agreement with the company owner, or could it end up as a court case? Or do I need to claim against my own insurance? I've had a flick through the AXA policy and it doesn't say anything about being involved with an uninsured driver? It mentions an "identified Third Party", however I think that they mean a another insurer and not a guilty party... Any one had a similar experience and can shed some light or expertise? Oh, and the wife is fine, I did check that. |
Re: Car Accident - No Insurance
Have you asked AXA?
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Re: Car Accident - No Insurance
expect to lose at least 3 days sorting all of this out.
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Re: Car Accident - No Insurance
He is required to pay personally and be subject to police action..... however they might suggest as you have insurance you should pay - I joke not - was once told as you have 'better insurance ' i.e fully comp, better for all if I paid! - not my fault and refused point blank....as you say set aside a few days!
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Re: Car Accident - No Insurance
Originally Posted by B Bear
(Post 8894834)
He is required to pay personally and be subject to police action..... however they might suggest as you have insurance you should pay - I joke not - was once told as you have 'better insurance ' i.e fully comp, better for all if I paid! - not my fault and refused point blank....as you say set aside a few days!
Since we wanted to move I decided to take the blame. Case was closed within a few minutes :) |
Re: Car Accident - No Insurance
this is turning into a farce. been to mussafah police station 3 times now, I think I've spent around 7hours total sitting there. they eventually call my number, I tell them why I'm here, and they tell me that the officer who is working on the report isn't in, come back tomorrow AM. and then I come back and get told he is working late.
Had a bump in the hire car a few months early and got my report on the spot. back to mussafah tomorrow :cry_smile: :angry_smile: |
Re: Car Accident - No Insurance
Originally Posted by csdf
(Post 8892989)
Have you asked AXA?
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Re: Car Accident - No Insurance
Originally Posted by Brains1983
(Post 8899947)
will save the no-claim bonus.
% of value of the car regardless. Do the easy thing as has been suggested. |
Re: Car Accident - No Insurance
Originally Posted by Brains1983
(Post 8899944)
this is turning into a farce. been to mussafah police station 3 times now, I think I've spent around 7hours total sitting there. they eventually call my number, I tell them why I'm here, and they tell me that the officer who is working on the report isn't in, come back tomorrow AM. and then I come back and get told he is working late.
Had a bump in the hire car a few months early and got my report on the spot. back to mussafah tomorrow :cry_smile: :angry_smile: if you have a normal car accident and its sorted on the spot then all well and good, if you have anything unusual then its not. i was hit from behind while i was parked at the red signal and have 5 cars hit me, lucky for me i left a gap in front so didnt hit the one in front of me, but had a baby in the back and was pregnant, basically short of it all was that it took months to sort out, had to go to court, lots of probs, blood money etc, just to get the piece of paper to get the car fixed, lucky the bumper was damaged and i could drive the car, otherwise i would have been seriously out of pocket as well as all the time and hassle it took. |
Re: Car Accident - No Insurance
Originally Posted by Brains1983
(Post 8899947)
did cross my mind, but don't want to claim off my insurance (or give them the impression that I will), unless it's a necessity. If the other drivers employer coughs up, will save the no-claim bonus.
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Re: Car Accident - No Insurance
In a similar case, AXA told my boss that he could not claim under his policy with them because the negligent Third Party was not insured. Sounds unethical to me. Fortunately, he got the Third Party to pay in full.
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Re: Car Accident - No Insurance
Originally Posted by busybee2
(Post 8900272)
it took months to sort out, had to go to court, lots of probs, blood money etc
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Re: Car Accident - No Insurance
Originally Posted by Bungdit Din
(Post 8907095)
Blood money, was someone killed?
but i have heard of traffic accidents where by somebody was injured/killed and the person was put in jail so as not to abscond either until the person in hospital is well again or is a witness to a traffic accident. this is going back a few years, so couldnt say if they still do that nowadays. |
Re: Car Accident - No Insurance
Originally Posted by Roadking
(Post 8900139)
wot that then?
% of value of the car regardless. Do the easy thing as has been suggested. |
Re: Car Accident - No Insurance
After we smacked up the Fortuner our premium went from 5% to 8.5% of the car. It's gone back down to 5% this year after accruing another 'no claim year'
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