"ntvl" wrote in message
news:aZGdneT1bJBnNUraRVnytQA@bt.com...
>
> "M.I.5¾" wrote in message
> news:47d79613$1_1@glkas0286.greenlnk.net...
>>
>> "ntvl" wrote in message
>> news:4MadnZHpjuVH5EjanZ2dnUVZ8tSdnZ2d@bt.com...
>>>
>>> "Mrcheerful" wrote in message
>>> news:HLbBj.20902$XI.9428@text.news.virginmedia.com...
>>>>
>>>>
>>>> ntvl wrote:
>>>>> "R. Mark Clayton" wrote in message
>>>>> news:mNCdnepu3tSy30jaRVnyvgA@bt.com...
>>>>>>
>>>>>> "ntvl" wrote in message
>>>>>> news:UKWdnS72T9GysEjanZ2dnUVZ8taknZ2d@bt.com...
>>>>>>> I had some idiot driver run into me and then failed to stop, I got
>>>>>>> the reg number and reported it.
>>>>>>>
>>>>>>> The police say they know who the registered keeper is but he sold
>>>>>>> the car, and they dont know who he sold the car to. The DVLA does
>>>>>>> not have a record for the new keeper.
>>>>>>>
>>>>>>> Is the registered keeper liable for failing to provide details of
>>>>>>> the person he sold the car to?
>>>>>>>
>>>>>>> TIA.
>>>>>>
>>>>>> Sounds like the old keeper has sold the car perhaps to a dealer and
>>>>>> sent off the bit saying this, but the new keeper hasn't done his
>>>>>> bit, probably because s/he has no intention of taxing or insuring it.
>>>>>>
>>>>>> If you run the reg in appropriate places you might be able to find
>>>>>> out if there is insurance etc.
>>>>>
>>>>> Apart from the DVLA, what else can I try?
>>>>
>>>> If it is insured then the insurer can give the new details. What does
>>>> it say on askmid?
>>>
>>> I will let you know when I get in touch with them.
>>>
>>>
>>>>
>>>> What does your own insurer say about it all?
>>>>
>>>
>>> I have not told them yet, I am still waiting to hear back from the
>>> police, they said it could take a couple of weeks.
>>> I dont see any point telling my insurers I was in an accident if there
>>> is no chance of finding out who the other driver was. All my insurance
>>> co would see is I was involved in an accident so my premium could go up
>>> for nothing.
>>>
>>
>> And when you later make a claim (for something else), your insurance
>> company will tell you that your insurance is invalid because you failed
>> to notify them of an accident (as you reported it to the police, it is a
>> matter of record). Their stand will be that, "had we known about the
>> accident, we would not have insured you". That's rubbish of course, but
>> that is what they will say and there is little you can do about it after
>> the event.
>
> Yes, I am sure they would pull a stunt like that, and they complain about
> people trying to rip them off.
> I have TPF&T insurance, the only time I get to claim is if someone runs
> into me, OTOH if I run into someone, they get to claim off my ins, I dont
> get a penny towards my car.
> So you see I cant claim anything off my insurance.
> Thats why I see no point in telling them about an accident where there is
> no one to claim off, as you say, they can and do make all sorts of
> excuses, any excuse will do them to hike up the price of your insurance.
Your insurance contract is one of absolute good faith. You are obliged by
the T&Cs to notify the company of *any* factor that may affect their
assessment of you. Failure to do so can render the insurance void. If the
accident wasn't your fault and no claim is being made, they are unlikely to
increase your premium. Especially if you have not had a claim for some
length of time. Unfortunately, they get to decide what is relevant and if
you don't report the accident, and you have a subsequent accident, suddenly
the factor is such that they wouldn't have insured you.
However, a problem can arise if in the future you receive a claim from an
ambulance chasing lawyer for a fake whiplash injury. This happened to me
following an accident that wasn't my fault. But as the insurance company
knew about the acident, they took over matters and resolved it in my (and
their) favour.
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