only had my L200 2 weeks and written off!! - TilersForums.com

[jay]

as long as the kids are fine thats all that matters the insurance companies will work it out

 

[Dan]

that was my thought too.

so if she's proven drunk and that invalidates her insurance, how does Doug's insurers go about reclaiming the costs? do insurance companies bother sueing individuals?

There are funds that pay out to victims of uninsured drivers faults; all insurance firms put into this kitty thing. Can't for the life of me remember what it's called but I'm sure Doug's insurance will get onto it if her insurance is null and void.

Some insurance firms still pay out though if it wasn't a direct result of being over the limit (like she says her foot slipped off the break or something) - I think, not 100% on that.

She might have just been a bit over the limit and at the police station it wore off. Like if she'd just had one too many the night before or something. If she'd just left the pub though, the police station test will almost definitely be a higher reading.

 

[diamondtiling]

Insurance firms all donate to a pot of money to cover situations where someone who is uninsured causes a crash/damage etc to an insured driver, a bit like ATOL for travellers. You will be paid out Doug and then this woman will be sued to reclaim the money. It doesn't matter if she has no assets mate, your insurance will sort it.

 

[diamondtiling]

There are funds that pay out to victims of uninsured drivers faults; all insurance firms put into this kitty thing. Can't for the life of me remember what it's called but I'm sure Doug's insurance will get onto it if her insurance is null and void.

Some insurance firms still pay out though if it wasn't a direct result of being over the limit (like she says her foot slipped off the break or something) - I think, not 100% on that.

She might have just been a bit over the limit and at the police station it wore off. Like if she'd just had one too many the night before or something. If she'd just left the pub though, the police station test will almost definitely be a higher reading.

Association of British Insurers - ABI Home Page

 

[doug boardley]

well kids are playing tennis on the Wii, I'm sat here having a vino and shivering..

 

[Ian]

Glad the kids are ok Doug, the truck is a load of metal and can be replaced. It doesn't bear thinking what could have happened if you had a smaller, less sturdy vehicle. Drink drivers truly are filth.

 

[doug boardley]

My god..!! was this morning or afternoon..

At least the lads are ok..

about 5pm tonight Dave

 

[jay]

any pics

 

[Dan]

Heard of a bloke who bought a L200 some years ago when I used to drink in a pub with Mitzi salesmen; he bought one for him and one for his wife. His wife got rammed by a truck on the A53 (anybody who knows it, it's a pretty bad road), she stopped, he didn't in time. The police said any other shape vehicle, or any smaller one, would have almost certainly be under the truck still and anybody in side unlikely to have survived.

The insurance paid out and he went straight back to get another. The lads then used this in their sales blurb which is fair enough. They had pictures of it all in a file etc.

And I can never get over the hilux that top gear put through its paces with a wrecking ball, fire, the sea, etc etc and it still ran until the stuck it on top of a high rise during a demolition. That just about killed it in the end. lol

You can see why hil billies in the US still have old 60's and 70's pickups running to this day.

 

[Dan]

about 5pm tonight Dave

So probably not long left a bar or something then as opposed to just still over the limit a bit from the night before. She should have known better.