Heard a tale the other day concerning people with whom I’m not closely acquainted. Got me thinking.

Accident involving two vehicles on a blind bend. Unfortunately I don't know whose fault the accident was. Cutting a story short, one driver (lets call him A) is breathalysed at the scene and is found to be over the drink drive limit. He’s also driving unsupervised on a provisional licence. The other driver (B) has no MOT, and isn’t on the way to a testing station.

Upshot of all this: A gets a 12 month ban plus a fine, and his insurance company informs him that his actions/ omissions have invalidated his cover. So no claim for his own loss. I don't have any information about sanctions/ punishments that might have been imposed on B, but I believe that apart from a 1000 smacker fine, he might have had his insurance invalidated also.

A doesn’t contact the insurance company again for several months, not expecting there to be a claim from B, because he wasn’t on the road legally either. Then A's insurance company gets in touch and tells him they expect B's damages to be paid by him, a total of about 10 grand. So presumably B has made a claim, despite having no MOT.

A queries the right of B to make any such claim, given that B's insurance should also have been invalid, but the insurance company continues to pursue A for the money.

Does A have any leg to stand on, or avenues to go down?

Edited by argybargy on 08/06/2018 at 22:35