Insurance Claim - ?

Page may contain affiliate links. Please see terms for details.

simongt

Guru
Location
Norwich
Having watched a 'high speed pursuit' video in which the offender was eventually stopped because he / she became wedged in between two other cars, it occurred to me that for the two unfortunate drivers forming said unintentional wedge, who's cars were obviously damaged, who do they approach for the insurance claim without affecting their own insurance integrity - ? :whistle:
As with another video, we can't assume the errant driver was insured. :dry:
 

glasgowcyclist

Charming but somewhat feckless
Location
Scotland
If claiming against an uninsured driver or an untraced driver, their recourse could be via the MIB. See: https://www.mib.org.uk/making-a-claim
 

Drago

Legendary Member
I got hit my an uninsured driver in Liverpool. The car was insured, for his sister to drive, so her insurance payed out and, I understand, pursued her brother for their costs.

And the police might also have knocked her off for "use, cause and permit" for allowing him to use her vehicle while uninsured.

We used to get that a lot, kids or siblings taking a car from someone else in the household.

The owner of the car would often refuse to make a complaint TWOC so we'd knock the owner off for use, cause or permit instead - quite a few would suddenly change their mind and formally report the TWOC after all.
 
But what if the car is stolen?

or for some reason the car has no insurance at all

who do you claim from then - an what about the normal "oh you had a claim so your risk is higher and the rate has gone up" that you get from the insurance next year?

I suspect I know - just wondering
 

glasgowcyclist

Charming but somewhat feckless
Location
Scotland
Technically correct I assume but would the MIB go after the force who were part of the pursuit on the grounds of culpability - no chase, no crash, damage avoided?

For culpability, there’d be no chase if the offender didn’t flee. That buck stops with him.

It’s a function of the police to detect offenders so, unless there was some allegation of dangerous driving on their part, I can’t see that happening. The claimant would have to prove that the police acted negligently or outside of the law or established police procedures.
 

Drago

Legendary Member
Technically correct I assume but would the MIB go after the force who were part of the pursuit on the grounds of culpability - no chase, no crash, damage avoided?

Nope. The driver has an absolute duty to stop immediately when requested to do so by a constable in uniform.

The police have to then weigh their responsibilities under ECHR (preservation of life, etc) to the wider public, and their responsibilities vis a vis enforcing the law (preventing and detecting crime, apprehending offenders, etc). Provided the dibble's actions are properly risk assessed and compliant with the various levels of legislation, the driver that fails to stop is responsible for the consequences of their actions.

The process for authorising a pursuits is quite long winded, but quite simple. You'll call up and say something like, "this is PC Farguhar, I'm in pursuit of a fail to stop in Cleo Lane, I am a qualified pursuit driver in a suitable marked vehicle. Weather conditions are ABC, traffic conditions are XYY, in pursuit of bandit car Ford Tippex registration HJK currently doing 190 in a 20 zone."

The control room inspector, who has nothing more worrisome on their plate than their coffee getting cold, will be trained to do the risk assessment. As the commentary continues from the copper pursuing the bandit car the inspector will continually risk assess against a legislative and risk matrix. The pursuit driver can override that as they have eyes on and have the most information, but its rare they do. I never myself overuled it, although I did once call off a pursuit myself as my own strobes were blinding me in the fog and if I cant run without strobes I shouldn't be hooning.

Anyway, point is that provided the feds are doing everything by the book the bandit car driver is entirely responsible for the criminal and civil consequences of their unlawful behaviour.
 
Top Bottom