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killerkavo
Guest
A brief explanation of the incident to start with - I was involved in a collision on Monday morning - nothing too major, but sufficient damage to both cars to warrant a claim. At the time of the accident he accepted liability as he was driving on the wrong side of the road. We exchanged our insurance details etc. and mobile numbers. I contacted the Gardai and my insurance company, and as it turns out, the insurance company were able to ascertain that the other driver was driving his girlfriend's car and he was not a named driver on her policy. The Gardai later called to my place of work to take the details, and I provided them with a diagram of what had happened. They weren't hugely interested though, most likely because nobody was injured. So the other driver rang me a couple of times that morning, he apologised for the incident, repeating he had been on the wrong side of the road, and then his girlfriend also came on the phone and apologised, and they said they would get both cars sorted on her insurance. I didn't mention to them that I was aware he wasn't a named driver.
So after a couple of days, I was left a voicemail from my insurer, informing me that although he wasn't covered to drive the car, I was being held liable for the collision - no further explanation given. Now the uninsured driver and his girlfriend are claiming that she was in the car at the time of the collision, so without an independent witness, the insurer is taking it as two against one I suppose. After he having admitted to me twice that he was in the wrong by driving on the wrong side of the road, and also finding out he's uninsured, and then the two of them coming up with these lies about her being present at the time, it's turned into a real nightmare very quickly. Could anyone advise as to my next step? What happens in the case of insured drivers vs uninsured drivers? Is it just tough luck on the insured driver?
Thanks for your help
killerkavo
So after a couple of days, I was left a voicemail from my insurer, informing me that although he wasn't covered to drive the car, I was being held liable for the collision - no further explanation given. Now the uninsured driver and his girlfriend are claiming that she was in the car at the time of the collision, so without an independent witness, the insurer is taking it as two against one I suppose. After he having admitted to me twice that he was in the wrong by driving on the wrong side of the road, and also finding out he's uninsured, and then the two of them coming up with these lies about her being present at the time, it's turned into a real nightmare very quickly. Could anyone advise as to my next step? What happens in the case of insured drivers vs uninsured drivers? Is it just tough luck on the insured driver?
Thanks for your help
killerkavo