Uninsured Vehicle Not At-Fault

[Sengsouk]

I was involved in a car accident, and someone reared in me and pushed me towards the other car in front of me.  The girl that hit me is at fault and has car insurance, however, I am in the process of changing car insurance and do not have insurance at the time of the accident.  Because I am not at fault during this accident, will I be in trouble for not having car insurance at the time of the accident?  Will the girl who is at fault (her insurance) pay for my health and car damages?

[Tim Baxter]

To progress the 'discussion' a little.  If a gas guzzling ferrari does 15 mpg then is doesn't matter how many miles a year it covers, it pays pro rata.  The more economical a car then the slower (relatively) it goes.  It would be difficult (but not impossible) to aportion premiums to each insurance Co with this scheme but what is really needed is the scrapping of road tax and putting it on fuel with an MoT (in whatever form) needing to be produced to buy fuel.  If you buy it by the can, you're hardly going to do much motoring.

Hasta la revolution!

[smorodina]

I noticed that in ireland you have to display the certificate of insurance on your windscreen next to the tax disc. This would make it a lot easier to check and seems a good idea.

[KebabMeister]

So, how much would you be paying per litre to make a Ferrari insurance worth while?  Remember that most users of these type of cars are good weather drivers only so they're not going to do as much mileage as other cars and hence have a less chance of an accident.  However, we all know that they'd be extremely expensive to repair if they would be involved in one.  So what I'm trying to say is where do you draw the line?  If anything, if fuel insurance was to work it would have to be incorporated into how many miles they did a year.

Anyway, there's far too many complications, too many ways of getting around this and the current system is more than adequate.  As smorodina mentioned, just have the insurance certificate visible, or do more random checks etc., there's better ways of checking if someone is covered or not.

[landie]

It matters not. If you own a Ferrari you could afford to pay ten times the price for fuel.