I messed up big time on car insurance.
Story Time: I am insured as a second driver on Car A. I couldn't find my keys so went in Dad's Car B. I assumed I had third party cover on Car B so I drove it. I was involved in a road traffic accident. Car B got slightly damaged. The car I collided with was badly damage and the driver had a minor injury to his arm.
Other drivers helped the man with first aid and he went to hospital to look after the cut on his arm.
I then called my Dad for assistance.
The police officer spoke with my dad and I. Informed us that I am technically not insured on that car. Which after checking my policy he is correct.
He then tells me to attend an interview next tuesday with a solicitor if I want. He said the likely outcome would be 6 points on my licence, £200 fine and a caution from the police. He said it would take 10 minutes and then it would be done.
I accept blame for this as my ignorance is not a defence. And willingly accept the 6 points and 200 pound fine as this is my offence.
The issue is that I am a medical student at the moment and would really not want the 'caution' on my record.
I want clarification if a caution is the normal course of action for an offence such as mine. What would happen if I refuse the caution. And are there any ways of convincing the police officer not to issue one.
The other issue is am I liable to pay all vehicle damage and injury compensation out of my own pocket?
After checking the GMC guidelines and speaking with the medical defense union; my offence is not one that calls into question my fitness to practice but I still have to declare any caution I receive.
I'm meeting with a solicitor tomorrow to further clarify any issues. But your guidance would be
much appreciated.
Note version:
drove without insurance
will accept the penalty but do not want a police caution.
Other drivers helped the man with first aid and he went to hospital to look after the cut on his arm.
I then called my Dad for assistance.
The police officer spoke with my dad and I. Informed us that I am technically not insured on that car. Which after checking my policy he is correct.
He then tells me to attend an interview next tuesday with a solicitor if I want. He said the likely outcome would be 6 points on my licence, £200 fine and a caution from the police. He said it would take 10 minutes and then it would be done.
I accept blame for this as my ignorance is not a defence. And willingly accept the 6 points and 200 pound fine as this is my offence.
The issue is that I am a medical student at the moment and would really not want the 'caution' on my record.
I want clarification if a caution is the normal course of action for an offence such as mine. What would happen if I refuse the caution. And are there any ways of convincing the police officer not to issue one.
The other issue is am I liable to pay all vehicle damage and injury compensation out of my own pocket?
After checking the GMC guidelines and speaking with the medical defense union; my offence is not one that calls into question my fitness to practice but I still have to declare any caution I receive.
I'm meeting with a solicitor tomorrow to further clarify any issues. But your guidance would be
much appreciated.
Note version:
drove without insurance
will accept the penalty but do not want a police caution.
Original post by the_second
Story Time: I am insured as a second driver on Car A. I couldn't find my keys so went in Dad's Car B. I assumed I had third party cover on Car B so I drove it. I was involved in a road traffic accident. Car B got slightly damaged. The car I collided with was badly damage and the driver had a minor injury to his arm.
Other drivers helped the man with first aid and he went to hospital to look after the cut on his arm.
I then called my Dad for assistance.
The police officer spoke with my dad and I. Informed us that I am technically not insured on that car. Which after checking my policy he is correct.
He then tells me to attend an interview next tuesday with a solicitor if I want. He said the likely outcome would be 6 points on my licence, £200 fine and a caution from the police. He said it would take 10 minutes and then it would be done.
I accept blame for this as my ignorance is not a defence. And willingly accept the 6 points and 200 pound fine as this is my offence.
The issue is that I am a medical student at the moment and would really not want the 'caution' on my record.
I want clarification if a caution is the normal course of action for an offence such as mine. What would happen if I refuse the caution. And are there any ways of convincing the police officer not to issue one.
The other issue is am I liable to pay all vehicle damage and injury compensation out of my own pocket?
After checking the GMC guidelines and speaking with the medical defense union; my offence is not one that calls into question my fitness to practice but I still have to declare any caution I receive.
I'm meeting with a solicitor tomorrow to further clarify any issues. But your guidance would be
much appreciated.
Note version:
drove without insurance
will accept the penalty but do not want a police caution.
Other drivers helped the man with first aid and he went to hospital to look after the cut on his arm.
I then called my Dad for assistance.
The police officer spoke with my dad and I. Informed us that I am technically not insured on that car. Which after checking my policy he is correct.
He then tells me to attend an interview next tuesday with a solicitor if I want. He said the likely outcome would be 6 points on my licence, £200 fine and a caution from the police. He said it would take 10 minutes and then it would be done.
I accept blame for this as my ignorance is not a defence. And willingly accept the 6 points and 200 pound fine as this is my offence.
The issue is that I am a medical student at the moment and would really not want the 'caution' on my record.
I want clarification if a caution is the normal course of action for an offence such as mine. What would happen if I refuse the caution. And are there any ways of convincing the police officer not to issue one.
The other issue is am I liable to pay all vehicle damage and injury compensation out of my own pocket?
After checking the GMC guidelines and speaking with the medical defense union; my offence is not one that calls into question my fitness to practice but I still have to declare any caution I receive.
I'm meeting with a solicitor tomorrow to further clarify any issues. But your guidance would be
much appreciated.
Note version:
drove without insurance
will accept the penalty but do not want a police caution.
Why not ask these questions to your solicitor (which you said you were meeting tomorrow), instead of asking a student filled forum? It's pretty obvious that this is hardly the place to obtain expert legal advice.
I agree with above but next year you will probably find that your insurance will go up, as you will have to declare it for your next policy but if you live in a area where insurance is cheap( rural ) those in more central areas will be paying for it. Insurance companies are a joke they penalise the wrong people.
Your profession shouldn't be affected though but I do believe you have to mention it, Your solicitor tommorrow will be more qualified to say though. Just write a list of things that you want to ask him or her and in a matter of hours you will have your answers. :-)
Your profession shouldn't be affected though but I do believe you have to mention it, Your solicitor tommorrow will be more qualified to say though. Just write a list of things that you want to ask him or her and in a matter of hours you will have your answers. :-)
How come you assumed you were insured to drive your dad's car? As a named driver with no policy of your own, you're only entitled to drive the car you're named on, nothing else. Also, even if you're the main driver with your own policy, you can only usually drive other cars when you're over the age of 24-25 (varies with different insurers).
Like the above poster said, ask all these questions to your solicitor.
Like the above poster said, ask all these questions to your solicitor.
dude your an idiot lol. you did the crime, you deserve the caution.
(edited 10 years ago)
Original post by Sami'
Who's going to pay for the other guys car repairs seeing as you weren't insured?
Me and the rest of the paying, insured drivers. Our policies will go up to cover this fools mess as the guy whos car got damaged will probably claim it from his own insurance. Assuming he is covered from uninsured drivers.
You can refuse a caution, but then the police will go through the CPS to decide if they are going to press charges and take you to court. Since they know you were driving and know you were not insured, they have the evidance to take you to court, and secure a conviction. The penalty though would almost certainly be higher (driving without insurance is a jailable offense). Also, a conviction looks worse than a caution, and will often be disclosed for longer.
Our annual declarations at my medical school ask for anything beyond minor traffic offences, which I wouldn't expect to include driving without insurance. As such caution or not you should declare it.
My understanding is that you don't have to accept a caution, you can refuse and either be discharged to reduce paperwork or go in-front of a magistrate. In this case I can't see the former happening, you were either massively naive or plain stupid to assume you would be covered and they have you hook line and sinker.
I think you are probably going to end up bent over the FtP desk but ultimately without massive long term problems. At the worst case scenario your options for applying for jobs for foundation will be a tad limited, we were told about 60% of trusts have a blanket clean record policy for junior doctors.
My understanding is that you don't have to accept a caution, you can refuse and either be discharged to reduce paperwork or go in-front of a magistrate. In this case I can't see the former happening, you were either massively naive or plain stupid to assume you would be covered and they have you hook line and sinker.
I think you are probably going to end up bent over the FtP desk but ultimately without massive long term problems. At the worst case scenario your options for applying for jobs for foundation will be a tad limited, we were told about 60% of trusts have a blanket clean record policy for junior doctors.
Original post by yorkshire.lad
Me and the rest of the paying, insured drivers. Our policies will go up to cover this fools mess as the guy whos car got damaged will probably claim it from his own insurance. Assuming he is covered from uninsured drivers.
No, where the uninsured driver is identified, they will seek the money from him direct whether it be the other driver' insurance company or MIB.
a lot of people assume that if they are gay named driver they can drive any of the car third-party insurance but usually only the 1st driver is covered, so may well be guilty despite your lack of knowledge and a caution may be the best thing.
If you are not insured a claim may be made by the other side to the motor insurers bureau who can then claim it all back from you. You then need to see a good lawyer to keep the plane down and try and haggle a good deal without being sued – if you are a student with no money, you may be able to do a good deal, but don't let them know you are a medical student in case they think they can wait a few years.when you will have a lot of money!!
The caution will come up on your record to 6 years and you may need to explain it to your fitness to practice panel at uni, but hopefully it should not stop you studying/practising – again, probably best to get specialist legal advice
David Wacks
If you are not insured a claim may be made by the other side to the motor insurers bureau who can then claim it all back from you. You then need to see a good lawyer to keep the plane down and try and haggle a good deal without being sued – if you are a student with no money, you may be able to do a good deal, but don't let them know you are a medical student in case they think they can wait a few years.when you will have a lot of money!!
The caution will come up on your record to 6 years and you may need to explain it to your fitness to practice panel at uni, but hopefully it should not stop you studying/practising – again, probably best to get specialist legal advice
David Wacks
Original post by the_second
Story Time: I am insured as a second driver on Car A. I couldn't find my keys so went in Dad's Car B. I assumed I had third party cover on Car B so I drove it. I was involved in a road traffic accident. Car B got slightly damaged. The car I collided with was badly damage and the driver had a minor injury to his arm.
Other drivers helped the man with first aid and he went to hospital to look after the cut on his arm.
I then called my Dad for assistance.
The police officer spoke with my dad and I. Informed us that I am technically not insured on that car. Which after checking my policy he is correct.
He then tells me to attend an interview next tuesday with a solicitor if I want. He said the likely outcome would be 6 points on my licence, £200 fine and a caution from the police. He said it would take 10 minutes and then it would be done.
I accept blame for this as my ignorance is not a defence. And willingly accept the 6 points and 200 pound fine as this is my offence.
The issue is that I am a medical student at the moment and would really not want the 'caution' on my record.
I want clarification if a caution is the normal course of action for an offence such as mine. What would happen if I refuse the caution. And are there any ways of convincing the police officer not to issue one.
The other issue is am I liable to pay all vehicle damage and injury compensation out of my own pocket?
After checking the GMC guidelines and speaking with the medical defense union; my offence is not one that calls into question my fitness to practice but I still have to declare any caution I receive.
I'm meeting with a solicitor tomorrow to further clarify any issues. But your guidance would be
much appreciated.
Note version:
drove without insurance
will accept the penalty but do not want a police caution.
Other drivers helped the man with first aid and he went to hospital to look after the cut on his arm.
I then called my Dad for assistance.
The police officer spoke with my dad and I. Informed us that I am technically not insured on that car. Which after checking my policy he is correct.
He then tells me to attend an interview next tuesday with a solicitor if I want. He said the likely outcome would be 6 points on my licence, £200 fine and a caution from the police. He said it would take 10 minutes and then it would be done.
I accept blame for this as my ignorance is not a defence. And willingly accept the 6 points and 200 pound fine as this is my offence.
The issue is that I am a medical student at the moment and would really not want the 'caution' on my record.
I want clarification if a caution is the normal course of action for an offence such as mine. What would happen if I refuse the caution. And are there any ways of convincing the police officer not to issue one.
The other issue is am I liable to pay all vehicle damage and injury compensation out of my own pocket?
After checking the GMC guidelines and speaking with the medical defense union; my offence is not one that calls into question my fitness to practice but I still have to declare any caution I receive.
I'm meeting with a solicitor tomorrow to further clarify any issues. But your guidance would be
much appreciated.
Note version:
drove without insurance
will accept the penalty but do not want a police caution.
So essentially you got caught breaking the law and don't want to face the consequences as a result of it.
You screwed up, you made an assumption that was wrong and you got bitten as a result of it. It's your fault, so just accept you messed up and take the points, it's not the end of the world and in a few years they'll be off your license any way.
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