Insurance firm claim for damages

[geewhiz 14]

My son (17) during a drunken weekend with friends took his friends mothers car (while drunk) and smashed it.

He has since received his punishment from court and us.

Today through the post he received a letter from "admiral Insurance" advising him to get his insurance firm to contact them so that they can arrange to re claim their expenses. The problem with this is that he does not have any insurance as he did not have a license.

My question is:- What do I do next - call them a tell them he had no insurance or do I just wait for them to possibly raise a court action aginst him.

[gouldc]

They'll find out eventually that he had no insurance, and will look to him to reimburse all costs.

Easier to be up-front about it - they can arrange to take monthly repayments from him or in one payment.

Be warned, if there are injuries to be claimed for, he's talking a lot of money potentially.

[dundurn]

I'm surprised they don't already know he has no insurance since, presumably, that is one of the offences for which he was taken to court?

[geewhiz 14]

Thanks for getting back to me.

Correct it would have been part of the court proceedings, so all concerned would have known that he had no insurance.

Thankfully there was no one else in the car.

I just didn't know what to do or what to expect.

I just hope he has learned from this very costly crime/mistake.