Don’t forget to ask for a breakdown of costs, how they came to the amount etc like other users have mentioned in the forums don’t just accept the figure!!No, just received the letter yesterday, I may just leave it till after Christmas to reply.
I don’t think you are obliged to send them information re your finances . Can you ho to CAB or even get a free solicitor consultation ( some firms do this )Don’t forget to ask for a breakdown of costs, how they came to the amount etc like other users have mentioned in the forums don’t just accept the figure!!
It depends on his insurer, who was he insured with?My boyfriend was convicted of DD yesterday, received a ban. His insurance had already paid out for his vehicle as it was a write off as well as for damage to property. Is he liable to repay the sum that was paid out for his car?
He was insured with Quotemehappy they're an online based company, I am not sure who they are owned by.It depends on his insurer, who was he insured with?
Every insurer only covers third party in the case of DUI, it's in every set of policy documents so really any insurer chase payment for any payout made. However there are only a few insurance companies who actively start proceedings to recoup the loss. Knowing who he's insured with will help.
DVLA do not, but he should, and he should have disclosed the circumstances when he submitted the claim.He was insured with Quotemehappy they're an online based company, I am not sure who they are owned by.
Quotemehappy have already paid him out in full for his car being a write off. Do the DVLA make the insurers aware of the DD conviction?
That's exactly what I thought, he tells me they didn't ask him and that all he had to do was submit a form online but I am not sure why or how he failed to tell them as the police had to recover his vehicle.DVLA do not, but he should, and he should have disclosed the circumstances when he submitted the claim.
It seems he set out to mislead the insurance company by failing to disclose paternal facts about the accident…..
The quote key apply policy says they will NOT provide cover for repairs to the policy holders vehicle under certain circumstances, this is one of them:That's exactly what I thought, he tells me they didn't ask him and that all he had to do was submit a form online but I am not sure why or how he failed to tell them as the police had to recover his vehicle.
The insurance company has also paid out nearly £50k worth of damages to the property crashed into although I understand he wouldn't have be liable for that as that is third party isn't.The quote key apply policy says they will NOT provide cover for repairs to the policy holders vehicle under certain circumstances, this is one of them:
Any accident, injury, loss or damage which happened whilst you or any person insured to drive your car as named on your certificate of motor insurance was driving your car and was arrested and charged with:
– being over the legal limit for alcohol or drugs
– driving whilst unfit through alcohol or drugs, whether prescribed or otherwise
– failing to provide a sample of breath, blood or urine when required to do so, without lawful reason.
I cannot see what the claim form says because you have to log in to see it, but when you go to the page that talks about making a claim, it says you have to put: “ Specifics about what happened and the damage to your car”
He has a duty to disclose ALL material facts, and being arrested for being over the limit is CERTAINLY a material fact.
It is no good saying “well they didn’t ask” (which I doubt is true anyway) his obligation is to disclose ALL material facts about the claim.
At the worst end of these circumstances, he has obtained money from the insurance company by deception - a criminal offence.
I’m struggling to follow this scenario. When I committed an offence there was no damage to either my car or the third party car . I provided my details to them of course . I did not tell the insurance company at that time as I got rid of car instantly and the policy was due to end in 3 weeks time anyway. What then happened was that after my sentencing the third party ambulance chasing insurance claim company put a large claim in with my insurer. £100 damage and whip last apparently. The insurer rang me and I told them the full tale. They were throughly decent to be honest, wrote to me, and told me that they would deal with everything and not to worry. . Fortunately by then, I’d got my act together and was able to give a coherent account, and lots of info. I gave the police details too as they had confirmed that it was “ a bumper touch, no damage “. I never heard any more from anyone. When I got my licence back and wanted insurance , I fully disclosed the scenario as I understood it to be, and three companies who quoted me accessed a data base and all said that a claim had been submitted, but had been rejected, and nothing had been settled.You are right, he will have no choice but to declare the conviction and the accident when he applies for insurance at the end of his ban.
He will also have to declare it on the home insurance, but some companies are not so bothered about a drink drive conviction.
None of this is your fault, but you are the one doing the worrying and asking on here for advice.
Can I suggest that you, with him, log into the claim online and see just what he has put in the claim? I have looked at several claim forms and they all say similar to this: “ Any prosecution pending/resulted?” if so, he must have answered ‘No’ to this, so a clear attempt to deceive on the claim.
He can try to front it out and pray that nothing comes to light, but if he does, he runs the rest that it is escalated into a criminal offence of deception if it comes to light, and this would be disclosable for 5 years or for life, (depending on the type of employment) and could heavily impact on his employment for that period of time. Or he can come clean and negotiate with the insurance company, saying that there was not an ‘impending prosecution’ until the back calculation was confirmed, he believed that he was under the limit so that is why he did not say at the time in his claim.
That would be painful financially, but end the worry for you both about the circumstances coming to light and events turning much, much worse.
£ 3000 damage that should have said. Sorry.I’m struggling to follow this scenario. When I committed an offence there was no damage to either my car or the third party car . I provided my details to them of course . I did not tell the insurance company at that time as I got rid of car instantly and the policy was due to end in 3 weeks time anyway. What then happened was that after my sentencing the third party ambulance chasing insurance claim company put a large claim in with my insurer. £100 damage and whip last apparently. The insurer rang me and I told them the full tale. They were throughly decent to be honest, wrote to me, and told me that they would deal with everything and not to worry. . Fortunately by then, I’d got my act together and was able to give a coherent account, and lots of info. I gave the police details too as they had confirmed that it was “ a bumper touch, no damage “. I never heard any more from anyone. When I got my licence back and wanted insurance , I fully disclosed the scenario as I understood it to be, and three companies who quoted me accessed a data base and all said that a claim had been submitted, but had been rejected, and nothing had been settled.
I cannot understand how a claim could be made without there being questions asked that , if answered, would prompt disclosure re police involvement . Can of worms that needs dealing with somehow I’d say. No implied criticism by the way.