Paul Carpenter

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Not insured unintentionally and had an accident

My son was a named driver on his mother's insurance. He had an accident on which he found out that the insurance was cancelled for what reason:

He had to go to court on which he was convicted on undue care and attention and having no insurance (at the time of the accident he beleived that he was insured through his mother's insurance and was paying her on a weekly basis for it. But she did not tell him that it was cancelled.

This accident took place over a year ago and he has just received a letter from a claims firm demanding a big payment for repairs to the other vehicle (he has no money whatsoever). Can you give me some advice on what to do next please?
Paul Carpenter   (Level 1)  |   Advice  |   25 Mar 2009 18:15
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gices gices  (Level 1)  |   26 Mar 2009 14:08

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Paul,

It is very unfortunate that your son had an accident under these circumstances. However it is very difficult in such a situation to prove what you are saying - that your son thought he was insured under her mother's insurance even though he was paying her every week. Usually after being convicted of driving without proper insurance, you are also responsible to pay any repairs or other claims that may arise from the accident as well.

If your son does not have any money to pay it in full, then an agreement can be done to pay it in smaller amounts. Your best bet is to get in touch with the Citizens Advice Bureau or call a lawyer specialising in such cases to discuss this.
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