You may remember that last JULY our lassess car was written off

while parked up by a drunk driver who also tried to leave the scene

Anyway bloke has been done for drink driving and leaving the scene

HE WAS INSURED

have agreed a settlement from his insurance

back in august for £1400

 

I still have not been paid and Still have a hire car that is costing his insurance £120 a day :nono:

 

CHARGES SO FAR £22,000

 

FFS :headvswal :headvswal

At least its going on his insurance not yours mate. Still having a fookin laugh though aren't they?

:shock:

 

That's bloody aweful mate.

Stupid insurance company - but they pass the expense onto us in higher premiums.

I was always led to believe that if a person is drunk driving,

then his/her insurance is null & void. :confused:

I was always led to believe that if a person is drunk driving,

then his/her insurance is null & void. :confused:

Then that would mean if your Zed was hit by a drunk insured driver you'd not get the their insurance to pay up what would be the point of people carrying insurance.

I was always led to believe that if a person is drunk driving,

then his/her insurance is null & void. :confused:

 

I think his insurance would be but you are the third party and so are still covered - if that makes sense.

22k fook me no wonder everyones insurence is so high if insurence companies fook about like that, they have to get that money back some how

I think his insurance would be but you are the third party and so are still covered - if that makes sense.

 

 

Nope, most disclaimers on insurance state you are not insured in any way if you drive while drunk. They dont state your cover will only be 3rd party if your p1ssed! lol

 

The insurance company will wash its hands of any claim as the contract of insurance was made void by the driver over the legal limit.

 

If a drunk driver hits your car and you are only insured 3rd party you will have to take the drunk driver to court yourself to get your money. Same as if he was not insured in the first place.

 

There have been cases where drunk drivers have been done for driving without insurance as well as drunk driving because their insurance company do not cover people while drunk.

Nope, most disclaimers on insurance state you are not insured in any way if you drive while drunk. They dont state your cover will only be 3rd party if your p1ssed! lol

 

The insurance company will wash its hands of any claim as the contract of insurance was made void by the driver over the legal limit.

 

If a drunk driver hits your car and you are only insured 3rd party you will have to take the drunk driver to court yourself to get your money. Same as if he was not insured in the first place.

 

There have been cases where drunk drivers have been done for driving without insurance as well as drunk driving because their insurance company do not cover people while drunk.

I was 'nearly' right then, lol ;)

I have had a hire car for 3 months now works out at about £13,000

Two things..........

 

1. Yes, I also have a clause on my policy that states cover is void if the driver is under the influence of alcohol or illegal drugs. Therefore if you are hit by a drunk driver I guess they are not insured so you have to claim from your own insurance and sue the driver personally.

 

2. Hire charges of £22k and £13k (for 3 months) :shock: What are you both hiring FFS? Surely you could have hired a fairly decent car for a reasonable weekly/monthly rate???? And the last time I hired a car following an accident I was politely reminded "That I have an obligation to keep my uninsured losses to a minimum"

 

Still if the third party are paying who cares? Well we all do in the end because all large claims have an effect on everyone's premuims over time ;)

 

Richard :smash:

I was always under the asumption that once liability was accepted and a figure agreed then they had 4 weeks to pay up.

2. Hire charges of £22k and £13k (for 3 months) :shock: What are you both hiring FFS? Surely you could have hired a fairly decent car for a reasonable weekly/monthly rate???? And the last time I hired a car following an accident I was politely reminded "That I have an obligation to keep my uninsured losses to a minimum"

 

Still if the third party are paying who cares? Well we all do in the end because all large claims have an effect on everyone's premuims over time ;)

 

Richard :smash:

 

A skoda Octavia DIESEL :slap: I am hardly pushing the fookin boat out

 

If the car is insured (which it was) insurance have to pay third party claims

He is unable to claim for his vehicle or any lossess due to the Drink driving clause.

 

Oh and by the way

MY INSURANCE COMPANY OWN THE CAR HIRE COMPANY :nono:

£120 a day LOL i would want to be driving around in a nice porka for that amount of money!! if you went onto a hire place it would cost you about £200 a week to hire a car like that!! just goes to show how much insurance companies try to rip each other off ;)

£120 a day LOL i would want to be driving around in a nice porka for that amount of money!! if you went onto a hire place it would cost you about £200 a week to hire a car like that!! just goes to show how much insurance companies try to rip each other off ;)

 

I'm sure she can be had for less than that :shock:

 

 

 

Sorry had to be done.

I still have not been paid and Still have a hire car that is costing his insurance £120 a day :nono:

 

CHARGES SO FAR £22,000

 

FFS :headvswal :headvswal

 

Mick

 

hope you won't mind me responding but I work in the business and can't understand why any party representing you would allow the hire to continue to that level given the other drivers circumstances.

 

if your partner has a courtesy vehicle thats one thing, if its a 'credit hire' vehicle then your partner remains ultimately responsible for any hire charges incurred, albeit the principle is that any 'reasonable' hire charges can be recovered from the other driver/or his insurers (assuming negligence is admitted and assuming they wil indemnify the driver, which in this case they may not).

 

I've assumed for now you haven't hired personally and privately.

 

it also begs the question why if a figure of £1,400.00 for the total loss value was agreed in Aug 06 did they not release an interim cheque, entirely without prejudice to liability etc, to you at that stage to bring any hire to an end and mitigate. if they haven't released a cheque under those circumstances they are unlikely to, ever.

 

most credit hire agreements (exempt agreements) would generally end after 84 days. I wonder if you may have got round this by signing further agreements every 3 months or so?

 

further, the Court would look at whether, even given the unfortunate circumstances, it was reasonable to incur hire charges of over £20K rather than purchase a replacement motor for a fraction of this.

 

the issue of negligence (fault) is immaterial to this point as you and your partner have an overiding responsibility to mitigate your losses.

 

hope everything turns out ok for you. talk very seriously to your own representatives about this.

Thanks for the reply Adi

I have hired Nothing, this car was sent from my legal people (New one every 89 days)

I have just spoke to them and they have told me that they are still

processing the case but are confident of Payout

 

But my legal people own the car hire company

Seems like legalised robbery to me

BUT THE FOOKER SHOULDNT DRIVE 3 TIMES OVER THE LIMIT

 

I would sooner not have all this and her car be Ok :cry:

This must all be so frustrating for you both. Really feel for you both.

 

I hope the two of you don't end up out of pocket for all this mess as it was caused by someone thinking it 'okay' to drive while drinking.

 

All the best to both of you