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CRASH - who pays ?

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Community Veteran
Posts: 19,578
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Registered: ‎06-11-2007

CRASH - who pays ?

OK... so,   you park your car in the street, along with all your neighbours... You, and they, are all sitting in front of the telly, when BANG... CRash!...   you get out of your comfy chair, and find that some toe-rag has smashed into your car, while being chased by the cops...doing thousands of pounds worth of damage... possible write off..

 

Or... you are bimbling along, minding your own business, probably going out for the evening... all dressed up and somewhere to go... keeping to the speed limit, along the major route, to your destination, when suddenly, another toe-rag... ( the other one has been nicked ! )...again, being chased by police. belts out of a side road, straight into your rear passenger door, and does severe damage... car is a write off.

 

Both these situations have been shown on T.V. "Road Wars"... in both cases, the driver was not insured, probably had his licence taken away..  etc...

 

so who pays for your damaged car?  If you are on Comprehensive, your insurance "should" cover you... BUT why should you have to have increased premiums because of some toe-rag smashing up your car.

Do the police have any responsibility for the crash and do they pay out compensation to the victims of their actions ?

 

16 REPLIES 16
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Pro
Posts: 800
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Registered: ‎22-11-2014

Re: CRASH - who pays ?

There is a uninsured drivers section at the Motor insurance Bureau. A levy is made on all insurance policies to cover this: https://www.mib.org.uk/making-a-claim/claiming-against-an-uninsured-driver/

Whether you get a pay out or not I don't know, but a lot of the mainstream insurers now include uninsured driver loss. Even if the accident isn't your fault, the premium still goes up the following year!!

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Community Veteran
Posts: 6,717
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Registered: ‎23-09-2010

Re: CRASH - who pays ?

Interesting to see that new telly ad doing the rounds. Along the lines of - had a crash, not your fault, why should you lose your no claims etc. I think it's from yet another bunch of ambulance chasing lawyers. But probably just what's needed by a lot of drivers.

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Community Veteran
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Registered: ‎02-08-2007

Re: CRASH - who pays ?

Slightly off topic but most companies offer protection of no claims providing you do not make more than one claim in a year but in small print it also says you premiums may go up on renewal !

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Hero
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Registered: ‎30-06-2016

Re: CRASH - who pays ?

@shutter 

It sounds pretty unreasonable to me to suggest that the police are responsible. They do consider risks when chasing felons but if they had to let every criminal get away in case they damaged a car where would we be?  So that only leaves your insurance company. The question to my mind is whether this should impact on your insurance premiums.

There is an argument of course in the parked car example that you leave a car overnight in a vulnerable location so the risk for your insurers is higher. Note that I am citing this as an example of how insurers might think,, not condoning such an approach.

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Anonymous
Not applicable

Re: CRASH - who pays ?

The simple answer to me is when someone is caught, charged and found guilty of a driving offence and who have no insurance then they should be made to pay for the damage as part of their sentencing, and if the don’t pay within a fixed time, set at the time, they get jailed, maybe 1 month for every £500 of damage caused.

The damage should also cover infrastructure, clean up time and personnel just to give them something to consider.

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Community Veteran
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Registered: ‎06-11-2007

Re: CRASH - who pays ?

I vote for @Anonymous  to be  Home Secretary. 

I, too, would like to live in an ideal world ! ! !

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Hero
Posts: 4,077
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Registered: ‎30-06-2016

Re: CRASH - who pays ?

Surely in this ideal world there would be no criminals or car damage so there is no need for a Home Secretary?

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Anonymous
Not applicable

Re: CRASH - who pays ?

Ah but there’s the rub @shutter, there is nothing stopping the Judges or Sheriffs from doing this, they already have the powers to do this in the form of Fines and Compensation Orders, but for whatever reason(s) choose not to.

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All Star
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Registered: ‎26-01-2019

Re: CRASH - who pays ?

@Anonymous A few years ago I had a car stolen and written of by a young getleman. The insurance paid up for the car and the last I heard the Insurance company were trying to recoup their losses from him thro the courts. The lad was awaiting trial for buglary at the time of the offence and was committing anther burlary whn the police caught up with him. They chased him n my car and he ploughed it into a wall.Wasnt charged with stealng my car but got 4 and a hlf years for the burglaries.Crazy3

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Community Veteran
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Registered: ‎06-11-2007

Re: CRASH - who pays ?


@Baldrick1 wrote:

Surely in this ideal world there would be no criminals or car damage so there is no need for a Home Secretary?


Nah.... that`s not an ideal world.... that`s fantasy world ! ! ! ... Cheesy

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Aspiring Legend
Posts: 11,367
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Registered: ‎04-11-2014

Re: CRASH - who pays ?

... and if caretaker Corbyn gets in as PM then he'd have his old flame Abbott as Home Secretary.

Be afraid, be very afraid. Evil

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Hero
Posts: 4,077
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Registered: ‎30-06-2016

Re: CRASH - who pays ?

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Aspiring Hero
Posts: 2,928
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Registered: ‎17-05-2013

Re: CRASH - who pays ?

I wonder what he said when he found out she'd blabbed about their trip?

Maybe "Well I'll be blowed"

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Hero
Posts: 4,701
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Registered: ‎31-07-2007

Re: CRASH - who pays ?

This is a bit OT. DT published  a premium piece in yesterday's Money Sectio, 'Drivers face insurance hit and run'.

I managed with some difficulty to scan it and save it; it was scanned diagonally to include all, the straightened. The result is not perfect, but I hope reasonable.

 

No one has to agree with my opinion, but in the time I have left a miracle would be nice.