Hi everyone,

Looking for a bit of advice as I'm new in the country- I moved over in Jan on a trial basis at work.

I was visiting in Ireland over the weekend and came home last night to a smashed up car outside my house when I returned. Completely written off while it was parked. There was a note from the police saying they had the details of the accident.

Have been trying to get in touch to find out what happened, is other car insured etc but the station told me the only one with the details of the incident is the officer who attended the scene and she's off for a week!! So I have no idea where I stand until then.

My car is Irish Reg and I only have 3rd party insurance so they won't do anything for me. I was told I needed to be resident 6 months before I could trade my license in for a UK one and the insurance quotes I was getting with my Irish license were crazy! So planned to take my car for the first few months and then sort myself out with a UK car then.

Now I have no car for 3 months- I can't buy another UK one as I can't pay the insurance with an Irish license and I can't have another Irish car bought and shipped over for only 3 months!

I have also been told it is unlikely that the other car is insured and if this is the case I will get nothing. Surely this can't be right? Completely not at fault and yet am left without a car and have to foot the entire bill myself? Is there nothing more that can be done in these situations?

I have a young daughter so walking everywhere is not really an option.

I know I have to wait ans see what the officer tell me, but if they are not insured, am I just screwed?

Any suggestions?

Thanks in advance :)

(Heading edited to what I think you meant!)

Edited by Avant on 06/04/2016 at 00:37