General Insurance Question

A friend at work had an accident last week, she pulled out of a T junction and into the door of another car. She just missed seeing this guy and smacked into him.

The thing is that when she stopped and exchanged details this young guy (20ish) starts talking about settling without involving insurance, will accept cash. Well, after a while he admits he only has a provisional licence and he had no experienced/full licence holding driver with him or no 'L' plates.

She phoned the police with the details and they weren't interested as nobody was injured ! (?? on the ball as ever) and she let her insurance know the full story.

She has found out a week on that the police haven't followed it up and her insurance is talking about paying for the damage to his car, surely any rights to a claim from him goes out of the window as he shouldn't even be on the road and his insurance is null and void regardless of who's fault it was?

Her car is being repaired under her comp policy btw.

If this twat gets his car fixed then it's just wrong imo.

I dont know much about this but i have always asumed he would only be insured if he was under supervision. You cant get insurance for yourself on a car on a provisional can you? You have to be added to someones policy?

he will soon try the whiplash claim, what a world we live in, although its her word against his so they will probs pay him out:(

The law has changed since I was learning to drive. Then I insured the car for me and was legal if supervised.

If he is classed as uninsured which he must have been given the fact he was alone and unsupervised then how can her insurance consider paying out for his damage?

he will soon try the whiplash claim, what a world we live in, although its her word against his so they will probs pay him out:(

It's fact though that he was alone and on a provisional? Had the police bothered to turn up then things might have been different?

I *think* he could claim as a third party on her insurance whether or not he was insured himself, since it was her fault. If he had been a pedestrian or something it would be the same, that's what the third party bit of your insurance is for. The police should have charged him for driving without a license though!

I *think* he could claim as a third party on her insurance whether or not he was insured himself, since it was her fault. If he had been a pedestrian or something it would be the same, that's what the third party bit of your insurance is for. The police should have charged him for driving without a license though!

Yep - whilst uninsured by way of voiding his own insurance by driving unaccompanied and without the correct licence, he can, unfortunately, still claim on the third party portion of her insurance as the accident is her fault for pulling into traffic without due care and attention. The fact he has not got a full licence is nothing to do with her accident and is a criminal matter for the police to deal with. She has merely brought this to their attention by crashing into him.

Thanks for the feedback guys, today she phoned the insurance to check if they have authorised repairs to her own car and also asked what the latest was with the bloke she crashed into. They said that they hadn't been contacted by anyone, neither him or his insurance.

With a week gone by we are now hoping that he has got cold feet and bottled it, maybe he thinks that pursuing a claim will put the spotlight on him, let's hope he continues to think this and doesn't realise that the police can't be arsed to follow it up:)

It won't make much difference to her insurance as she is still claiming for hers but she'd feel better knowing that this idiot doesn't get anything out of it and suffers by having to pay for his own repairs.