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I know I made a mistake not checking the insurance policy carefully before driving, but I had no fault at this accident at all!
... I know I made a mistake not checking the insurance policy carefully before driving, but I had no fault at this accident at all!
I recently had an accident where another car drove into the back of mine while standing at traffic lights. I had just bought the car the same day and was on my way home from the previous owner when the accident happened. There is 1000 Euro damage to the car and I was unable to work for 1 week with a concussion. The car was still insured through the previous owner, and I was insured as a name driver on my partner's comprehensive insurance. We only found out afterwards that it is only the policy holder that is insured to drive other cars, not the name driver (in my opinion this isn't so clear in the insurance policy). Can I still claim through the other guy's insurance or not? The accident was 100% his fault and he accepts this.
The car was still insured through the previous owner, and I was insured as a name driver on my partner's comprehensive insurance.
Every body is reaching here!! Correct me if i'm wrong but to summarise the OP bought a car. She doesnt have her own insurance, she is only a named driver on her other halfs policy. She didnt arrange her own insurance policy for some strange reason (seeing as oh wasnt getting rid of his car). She seemed to think she was covered by Driving Other Cars as a named driver which she isnt. From what i gather she bought it from a private individual so motor trade doesnt come into it, and unless you're well in with owner I cant see them wanting to involve themselves in the matter.
From a liability stand point the other driver was at fault and should have to pay for the damage. But whether another company will pay out is different matter as she wasn't insured and was effectively breaking the law!
guys guys!!!! driving a car in ireland without an insurance is a very serious offence you can get fines, penalty points and may be disqualified from driving
You are looking to two seperate issues and merging them into one.
Yes the driver can be done for having no insurance.
No the third party insurers cannot decline the claim as a result of the no previous insurance.-That is a red herring and totally irelevant.
I know what you are saying that TP insurers are always obliged to pay out claims. But it goes against public policy i.e. the injured party was uninsured in a situation where they are obliged to have insurance. You've done the exams Ed!
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