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25th January 2019, 06:45 | #21 | |||||
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Ok - let's deal with the salient points and ignore the fluff. My original post to which you responded (both quoted above) was about one point only - liability. You now say that liability is not being argued here. But you are arguing against my only point, which was about liability! Quote:
You are now acknowledging that a driver does not have to provide his insurance details after being involved in an accident. You are wrong about the "must provide your insurance details" in the second paragraph. There is no such requirement. Ref. https://www.gov.uk/vehicle-insurance...in-an-accident Being advised to do something by a commercial organisation does not mean that you must. Quote:
That is contesting. In my experience, the insurer will reserve a decision on the claim until the act of contesting has reached a conclusion. The claim and contesting can be done in a court. Insurance contracts can not override your basic legal rights. So, to summarise, my original point was only about liability., which you now accept is no longer being argued. So, we shall leave it there. |
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25th January 2019, 07:54 | #22 | |
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25th January 2019, 14:03 | #23 | |
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Liability - as in where the legal responsiblity lies for managing a claim against the driver? (vs apportioning the blame in an accident) You'll find that is reserved by the insurer by the terms of the insurance contract, the only exception being if the contract is voided for some reason (in which case the driver will now quite possibly be counted as uninsured - an offence in itself). As every insurance contract I've taken out there's a stipulation that I must inform the insurer of all material facts - whenever anything new is a material fact I must tell them. Having an accident is undisputedly a material fact: so the insurance must be informed. From there I've never ever known them allow a claim against the driver be settled without them. Perhaps you have? i.e. been involved in an accident where the other driver claims, met your obligation to inform the insurer, and then settled privately, with the insurer 100% fine with that? I know what happens in the real world and private settlements are common. I'm not aware that these are being knowingly allowed by the insurers. (on an individual case basis). Given that anyone with the registration number of the vehicle can obtain the insurance details from askMID I don't see any point in withholding the information. Regardless of what legal obligation to do so there may, or may not, be. It's very clear that the system doesn't intend basic insurance information (name of insurer and policy number) to be secretive.
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25th January 2019, 14:30 | #24 |
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Section 154 Road Traffic Act 1968
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25th January 2019, 14:31 | #25 |
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Originally Posted by mss View Post
If you read between the lines, the OP's case appears to be one where the two parties involved in an incident have given different inputs to their respective insurers about the severity of the incident. That is most likely why the insurer would have marked the case as a "low impact collision". Always bad to read between the lines. If you look between the lines you will see there is nothing there.... |
25th January 2019, 16:13 | #26 | |
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25th January 2019, 18:19 | #27 | ||
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Sometimes, the only useful information is to be found "between the lines" Quote:
Excellent. Is your real name Baldrick by any chance? Last edited by MSS; 25th January 2019 at 18:22.. |
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25th January 2019, 20:09 | #28 | |
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errrm surely that is opinion? same old story when it comes to most collisions, or 3 stories. side (opinion?) 1, side (opinion?) 2 and the truth (facts?).
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26th January 2019, 10:33 | #29 | |
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I subscribe to a different set of scenarios. 1) Tantrums which carry no useful information and occur when someone doesn't get their way - you have to look between the lines to gain useful information on what is probably happening; 2) "Facts" form self declared armchair experts - usually wrong; 3) Views from word dissecting armchair experts - not really worth bothering with other than for a bit of sport and 3) Considered approaches to dealing with situations and recognising that everyone else is probably not an idiot. The problem with "truth" is that everyone has their own that is different from everyone else's. |
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26th January 2019, 12:54 | #30 | |
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