Question:

What should i do when i have no insurance?

by | earlier

i bought a car in the last month(12th may), cause the summer vacation is coming, so i did not buy the insurance.but i crushed with another car 7th june, does it matter? will i be sued by the PD? should i just pay the damage to another girl and do not go though insurance company?

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What are you? Some kind of idiot? Best you sell your car and give up before you start. People like you cause people like men excessively high insurance premiums.
Report (0) (0) | earlier
So you can't afford the insurance but you can afford to pay here to repair her car? Surely it would have been more cost effective just to buy the insurance?

To be perfectly honest the only way you may get out of it is by offering to pay for all her damage, on her terms (& she will probably pick the most expensive garage - I know I would!). Even then she would be perfectly within her rights to go to the police & tell them that you were driving without insurance. She could also sue you for whiplash, insurance would have covered your legal costs & whatever she won, now you will have to do that as well!

You are deep in the poo & you probably deserve to be, good luck though...
Report (0) (0) | earlier
HELLO

YOU DO NOT SAY WHO'S FAULT THE CRASH WAS

IF YOURS

IF YOU WERE UNINSURED SHE OR YOU CANNOT CLAIM OFF NON EXISTENT INSURANCE.

IF HERS

SHE CAN CLAIM FROM HER INSURANCE IF SHE HAS FULL COMP INSURANCE.

YOU WILL NOT BE ABLE TO CLAIM OFF HER INSURANCE.

DID YOU HAVE INSURANCE BEFORE 7th JUNE

NO

ANY INJURIES

IF NOT AND OTHER GIRL AGREES PAY FOR YOU TO PAY FOR HER REPAIRS, GET HER TO SIGN A DISCLAIMER THAT THE MONEY IS FULL COMPENSATION AND NO FURTHER ACTION REQUIRED.

YOU WOULD THEN BE LUCKY

THE POLICE

DID THEY COME TO SCENE OF ACCIDENT

IF NOT

YOU WOULD THEN BE VERY LUCKY

IF SO AND YOU WERE NOT ASKED TO PROVIDE YOUR INSURANCE DETAILS

YOU WOULD BE VERY,VERY LUCKY

IF SO AND BEING, UNABLE TO PRODUCE INSURANCE, YOU HAVE BEEN TOLD TO PRODUCE AT POLICE STATION WITHIN 7 DAYS YOUR DOCS THIS WILL BE LOG BOOK, TO PROVE OWNERSHIP

MOT, IT IS ROAD WORTHY

INSURANCE, IT IS AND WHO IT IS INSURED FOR

TAX DISK, CAR IS TAXED FOR ROAD

WHEN YOU CANNOT PROVIDE CURRENT VALID INSURANCE, THEY CAN CHARGE YOU WITH DRIVING WITHOUT INSURANCE.MORE INFORMATION WOULD BE USEFUL
Report (0) (0) | earlier
If you let her contact her insurance, then they will tell her to sue you, so settle up by cash before you are asked for thousands, and she claims that she has whiplash (trust me that is what insurance companies do as my uncle did the same when he was hit by an uninsured driver)
Report (0) (0) | earlier
This is not bad luck.  The fact that you did not kill anyone is good luck.  Never drive without insurance.

If this gets to the insurance you are likely to be reported to the police and you will be done for it

Find the money and pay for the damage right now and you might not have this escalate into what it coudl do.  AND GET INSURANCE.
Report (0) (0) |   earlier
serves you right....i pay for insurance, why the h**l should you get away with taking the p**s..................i hope you get prosecuted.................................
Report (0) (0) | earlier
yes, tell the other girl not to go to her insurance and pay her in cash,
Report (0) (0) | earlier
worry
Report (0) (0) | earlier
It doesn't matter what you WANT to do -- you will be required to pay for the damages. If the other party is dumb enough not to file on their insurance you can pay him/her direct. If insurance is involved THEY will sue you (and win) and you will have to pay them back. Trust me -- the insurance company will hound you straight into h**l for as long as it takes, seizing all your property and wages if need be, until you pay the ENTIRE bill including court costs. Do not s***w around with these people -- they can and will ruin you life if you don't do the right thing.

PS -- for God's sake, buy insurance! It's much cheaper than going through this h**l!
Report (0) (0) | earlier
That is why you are suppose to have insurance first, I hope some one sues you and you lose your license then you will remember the law is for you to,.
Report (0) (0) | earlier
Pay for the repair private or you are doomed.
Report (0) (0) | earlier
One of my friends asked me this kind of questions before,I found helpful here.http://car-insurance.easyideas4u.info/ca...
Report (0) (0) | earlier
I dont want to be rude, but you should know that you shouldn't drive your car without an insurance. Well, idont know what i would do if i were in your position...Good Luck though
Report (0) (0) | earlier
DON't DRIVE UNTIL YOU GET INSURANCE.
Report (0) (0) | earlier
Well firstly you should not drive without insurance. Uninsured drivers cause more crashes, have un-roadworthy cars and kill more people on the roads.

You can try and offer her the cash, but in all honesty you should hold up your hands and go see a good solicitor to get you off with a 2 year ban, ÃƒÂ‚Ã‚Â£1000 fine and any costs incurred to her and the courts.

Sorry I have not much sympathy but don't agree with it uninsured drivers. Forces my insurance to go up and I am a sensible driver with no accidents and 6 years no claims.
Report (0) (0) | earlier
Possibly You Could Get Done. You Should Really Of Got Insurance Before Being On The Road. But Thats Just Purely Bad Luck Whats Happend To You. x
Report (0) (0) | earlier