I hate uninsured drivers

Paul Smith

Paul Smith

Site Supporter
I bought my wife a nice 2003 mini cooper s a year ago. Its her pride and joy. Its perfect for her.

Today whilst sitting in my living room with the kids, my Mrs friends had turned up to take her out for a night on the tiles. There was a load bang and car alarm going off, we ran to the window to see carnage....

A girl had sped up my 30mph street mounted the pavement dodged my neighbours drive and my wife's friends car and hit ... the mini. The mini in turn hit and destroyed my garden wall.

So I head over to the remains of a Vw polo to see what the hell happened to find out not only is she not insured but she has no license and even better its not her car.....

So angry as I just assumed my car would be lovely and safe on my drive away from the road but wrong.....
 
Some pics
 

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I'm just waiting to see what the car insurance say and house insurance say. The more I look the more annoyed I am and not only will have the headache of sorting this mess I know I'll be out of pocket :-(
 
sorry to hear mate but just shows how well built the minis are looks like mosrtly cosmetic damage on the mini but the vw is well ****ed
 
I was impressed with how strong she was built. Axel is Donald though too as one wheel is stuck in the walk and the other has gained a good camber
 
there built like tanks mate but theres nothing to say it hasnt creased the floor pan looking at where it was hit :(
 
Ok potentially some good news. They have the owners insurance details and are claiming through them. They have taken the mini today off to be inspected and delivered a courtesy car. Now the wall to sort out and await the news if to be repaired or written off
 

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Back off my holiday and decided to chase what's happening. Basically the not a lot as the owner is now saying it wasn't taken with out consent it was stolen....

Not sure how this will change things regarding the insurance company and fault and so on. Waiting for a call back.

To top it off someone has stolen a load of my bricks from the wall the mini was stuck in.
 
Paul Smith said:
Back off my holiday and decided to chase what's happening. Basically the not a lot as the owner is now saying it wasn't taken with out consent it was stolen....

Not sure how this will change things regarding the insurance company and fault and so on. Waiting for a call back.

To top it off someone has stolen a load of my bricks from the wall the mini was stuck in.
Click to expand...
Wow, some people will steal anything.

Hey, maybe one of those bricks was used to scratch my car the other week!? :p
 
From experience, those involved in accidents almost always change their tune when they've recovered from the initial experience and had time to mull over the consequences. Not saying that's the case here but it makes me wonder if the driver was a sibling or not and they maybe trying it on?

As well as pinching bricks, as humans in general, we're a fairly spineless bunch when our necks are put on the line.

You'll either be very lucky or you'll end up going through the MIB or a specialist motor insurance solicitor if you are going to get anything. The 'innocent party' are saying the car was stolen and therefore not insured and their insurer therefore does not have to honor a claim. However, in your case, the driver of the vehicle can be identified even though they had no licence and the car was not insured for them to drive.

I think there's a good case there for a claim, especially is the po-po were involved and carted the irresponsible git away.
 
A quick update. Now the car is being deemed as stolen the owner and her ins are unable (unwilling) to provide the details of the driver. Our ins company is going to have to request a crime report which can take 6 months. If we keep the courtesy car any longer then it is deemed an unreasonable length of time and cost. The recommendation is to claim on our car ins £400 xs and our home ins £500xs and try to claim it back with the motor ins bureau which can take months after the documentation is received.

I'm feeling royally shafted
 
It's a shame when things like this occur.

I know the justice system is based on innocent until proven guilty but I shall remain firmly sceptical about the identity and relationship of the driver to the owners. It smells to me like the that car was being driven by a sibling and the 'stolen' statement is a technicality.

Irrespective of the now bleek outlook, I'd request the police crime report regardless just to find out the driver's identity ;)
 

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