Guys:
A shy friend of mine asked me to post this before going to throw away money to solicitor. His wife is driving car technically with out insurance. Technically i say because it was a genuine mistake they have 2 cars but they possess comprehensive insurance on only one for both, since the fine print says eligible to drive other cars they drive 2 cars and they are doing this for last 1 year and motor tax department also giving them tax discs based on single insurance policy they quote-so they are never aware that they are breaking law. They hold full irish driving licenses, it only came to light when his wife is involved in an incident and when they contacted insurance company and company said that wife is insured on another car but not insured on the car that was involved in accident. also,more or less Garda accepted that as genuine mistake and incident is very very small and there is no "victim "identified- please read on.
My question is about incident rather than insurance mistake- Freinds wife is actually waiting at traffic signal and the thirdparty came and hit from behind, friend's in-laws and baby were in back seat- it is a jolt just enough to cause neck pain to old parents, very tiny mark on back bumper, there was a racial abuse from the thirdparty on friends wife- Garda came and all usual story of things happened-now, third party had sent a notice that she suffered loss and damage because friend's wife actually reversed car multiple time at traffic lights(is it possible?) - now friends wife donot ahve insurance- Motor insurance bureau sent a letter to freinds wife saying that she is un insured and she caused loss.
my question is : if an unisured driver suffers loss or injury by thirdparty where should they go? My friends told me it is not worth going to solicitor
it might be the case since third party racially abused and friends wife made a formal complaint to garda , thrid party is just putting pressure so that that complaint can be with drawn-- should we go to solicitor alongw ith pictures of their car damage , third party's car damage and medical bills ( incurred more on dealing with stress caused by all four letter words used during racial abuse heaped) should they up the ante on thirdparty- is there a body where one can complain on fraud insurance claims showing the proof? This is because THIRD PARTY's car is never damaged due to this as she was in rear.
The medical bills are small on neck pains but more on stress counselling- and the stress caused like the way facts are subverted like reversing at traffic lights. i know the guy my self , stock market investor made a small fortune in commodities-his wife made a mistake of giving his visiting card while exchanging insurance details, so dont know if third party lady is chancing her arm if she can make some nice money on this rich guy by putting pressure- Friend and his wife are asking if thirdparty can apologise for her racial abuse behaviour they will be big enough to withdraw complaint on racial abuse.-
to repeat my questions:
if an unisured driver suffers loss or injury by thirdparty where should they go? how can this be settled with out going to solicitors as that would involve more loss of time and money?
how can we complain on fraud claims?
will motor insurance bureau act independently or do they have prejudice against so called un insured drivers?
Thanks for your patience and help
A shy friend of mine asked me to post this before going to throw away money to solicitor. His wife is driving car technically with out insurance. Technically i say because it was a genuine mistake they have 2 cars but they possess comprehensive insurance on only one for both, since the fine print says eligible to drive other cars they drive 2 cars and they are doing this for last 1 year and motor tax department also giving them tax discs based on single insurance policy they quote-so they are never aware that they are breaking law. They hold full irish driving licenses, it only came to light when his wife is involved in an incident and when they contacted insurance company and company said that wife is insured on another car but not insured on the car that was involved in accident. also,more or less Garda accepted that as genuine mistake and incident is very very small and there is no "victim "identified- please read on.
My question is about incident rather than insurance mistake- Freinds wife is actually waiting at traffic signal and the thirdparty came and hit from behind, friend's in-laws and baby were in back seat- it is a jolt just enough to cause neck pain to old parents, very tiny mark on back bumper, there was a racial abuse from the thirdparty on friends wife- Garda came and all usual story of things happened-now, third party had sent a notice that she suffered loss and damage because friend's wife actually reversed car multiple time at traffic lights(is it possible?) - now friends wife donot ahve insurance- Motor insurance bureau sent a letter to freinds wife saying that she is un insured and she caused loss.
my question is : if an unisured driver suffers loss or injury by thirdparty where should they go? My friends told me it is not worth going to solicitor
it might be the case since third party racially abused and friends wife made a formal complaint to garda , thrid party is just putting pressure so that that complaint can be with drawn-- should we go to solicitor alongw ith pictures of their car damage , third party's car damage and medical bills ( incurred more on dealing with stress caused by all four letter words used during racial abuse heaped) should they up the ante on thirdparty- is there a body where one can complain on fraud insurance claims showing the proof? This is because THIRD PARTY's car is never damaged due to this as she was in rear.
The medical bills are small on neck pains but more on stress counselling- and the stress caused like the way facts are subverted like reversing at traffic lights. i know the guy my self , stock market investor made a small fortune in commodities-his wife made a mistake of giving his visiting card while exchanging insurance details, so dont know if third party lady is chancing her arm if she can make some nice money on this rich guy by putting pressure- Friend and his wife are asking if thirdparty can apologise for her racial abuse behaviour they will be big enough to withdraw complaint on racial abuse.-
to repeat my questions:
if an unisured driver suffers loss or injury by thirdparty where should they go? how can this be settled with out going to solicitors as that would involve more loss of time and money?
how can we complain on fraud claims?
will motor insurance bureau act independently or do they have prejudice against so called un insured drivers?
Thanks for your patience and help