Pulled over for driving without insurance without realising?
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Pulled over for driving without insurance without realising?
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My friend was stopped a few weeks ago for driving another friends car, the police have since issued penalty notices to both parties for fines of £200 and 6 points a piece but the whole thing seems very confusing. The guy driving has 3 insurance policies, one for work, one for driving his girlfriends car and one for his taxi business so he assumed he was insured to drive the car although he wasn't a named driver. The police spoke to them both at the scene and said they'd check the details and be in touch (which they were a few days later) and everything seemed in order. Nothing was signed at the time, no rights were read (extreme but I'm trying to paint a picture) and no paperwork swapped hands to produce documents etc. My question is this, do my friends have a case to fight the penalty? This happened in a different district to where we live and our local police have hinted this is a bit of a farce. All answers appreciated.
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slyfox69
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Hi basically if your friend wasnt actually on the other parties insurance or had insurance to drive that vehicle then yes both parties can be fined no.1 your friend should have double checked that they were insured to drive that vehicle in particular & no.2 your other friend can be fined because they can actually get in trouble because its classed as permitting without insurance as they should have made sure your friend had insurance before they let him behind the wheel of the vehicle he was pulled over in! your friends could try to fight it but whether they have any joy would be another matter best thing your friends can do is sort legal advice from a soliciter ... hope this info has been of some help |
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WelshLad
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Never assume, he should have checked his insurance company. |
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Bardic
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The true answer is, we don't know and we can't in all honesty advise you. Your friend ought to take proper legal advice on this, taking all his insurance paperwork to his solicitor to be inspected, as well as whatever he's received now. |
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Kizzy
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I don't think legal advice would help. Insurance usually follows the vehicle unless you have an Additional Insured Vehicle policy. If your driving a vehicle without insurance, your taking on the responsibility also. |
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Scouse
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I think he needs to look again at his taxi business insurance but I would contact the insurance companies first to see what they say and then take all three to a solicitor. I am certain the one for driving his girlfriends car will not cover him and I doubt if the one for work will but the one covering his taxi business may. In any event he needs all three policies to show a solicitor because he needs someone to give a good plea in mitigation. That depends on how much he values his licence after all we don't want any points on that if we can avoid it |
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