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Sept 30, 2021 17:23:51 GMT
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I'm assuming the mate, like the OP, assumed he was insured. Lent in good faith..... Probably yes... but I just object to the idea that he would be a bad mate because he didn't want to join you in your punishment for your foolish actions. He lent the car and nobody really bothered to check the insurance situation because the car was showing as insured. Hadn't accounted for the possibility of a speeding fine turning into an insurance enquiry! I view it as two people getting in trouble needlessly for the actions of one person when only one person has to cop for it. And there's the rub, no one really checked. If I lied and told my mate I was insured, I'd do whatever I possibly could to make sure nothing came down on him, then run away with my tail between my legs for being a bad friend. If both of us just assumed, then that's on him too. The offence comes from the owner not checking. The friend didn't check. Therefore if he did get done for it, it's something he actually did. Getting out of punishment for something he actually did by making a false taking without consent charge would be properly out of order imo. Both people have blame.
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Sept 30, 2021 18:32:58 GMT
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Depends how far you want to take it.
Like it was the fault of the parents for not wearing protection that night. Know what I mean!
The circumstances when the friend lent him the car and they both said 'whatever' about the insurance was fine at the time but then one of them went and got caught speeding which opened the insurance can of worms.
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First of all thanks for all the comments and advice, I really appreciate it.
Tuesday afternoon I called a specialist solicitor who was recommended to me by a customer who is also a solicitor.
Said solicitor wasn't available when I called but called me back on Wednesday.
From me speaking to his secretary to receiving the phone call I didn't stop shaking through nerves and worrying.
He reckons there could be a few outcomes.
Firstly I could get an awerness course for the speeding. Secondly they could over look the speeding and hit me with the no insurance as its more serious and more points. Thirdly the totting up takes place, we go to court and put in the Hardship plea.
It's just a case of waiting for the letter to produce proof of insurance now.
Massive fingers crossed.
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Good luck, hope it works out 🙂
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Just a quick "YAY" for the people on this forum I've been on others and tried to discuss things like this, but it was absolutely impossible. The flood of holier-than-thou moral outrage and bile was quite disturbing despite the fact that I wasn't even taking about an offense that had taken place, but rather a theoretical situation. So "YAY" again for everyone being civil and actually posting sensible things. You guys are great!
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maf260
Part of things
Posts: 513
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The issue for the friend also being accountable for the driver having no insurance has a potentially serious outcome - if they are given a IN10 conviction they are going to find it very hard and very expensive to get their own insurance for the duration of the points on their licence. Most insurers will not cover anyone with a IN10 endorsement and the offence carries the same penalties as driving without insurance: a fine of up to £5k and between 6 and 8 points.
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Last Edit: Oct 1, 2021 12:20:02 GMT by maf260
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stealthstylz
Club Retro Rides Member
Posts: 14,832
Club RR Member Number: 174
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The issue for the friend also being accountable for the driver having no insurance has a potentially serious outcome - if they are given a IN10 conviction they are going to find it very hard and very expensive to get their own insurance for the duration of the points on their licence. Most insurers will not cover anyone with a IN10 endorsement and the offence carries the same penalties as driving without insurance: a fine of up to £5k and between 6 and 8 points. I didn't have any issues getting insurance with a IN10, think it was about £300 more expensive though per year.
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Oct 14, 2021 12:21:21 GMT
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I haven't read most of the posts, no time right now, but recently I got caught by Yorkshire police doing 112, and by using a specialist firm managed to end up with 6 points and a 1k fine.
Get a specialist legal company, admit guilt straight away, prepare mitigation like dependents who you need your licence for and if the legal company suggests, use a barrister, mine was great. Good luck.
I'm trying to remember the company I used, transparent up front pricing, nothing was hidden. Including fine I spent 2400.
Bargain for a licence and no ban.
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Oct 14, 2021 12:26:59 GMT
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It was Patterson law in Newton abbot. Location doesn't matter, they used a Yorkshire barrister.
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