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Jo C.
Jo C., Barrister
Category: Law
Satisfied Customers: 71142
Experience:  Over 5 years in practice
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My insurance ran out a few days before a minor accident. I

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My insurance ran out a few days before a minor accident. I have now reinstated my insurance with the same insurer but I was unwittingly uninsured at the time. What are my options? I have a clean driving and criminal record. Whatever happens I will settle privately I think as I don't think the insurer will cover it (costs £1100). What kind of penalties/fines am I likely to encounter?
Thank you for your question. My name is ***** ***** I will try to help with this.
Do the other side know that you are not insured?
Customer: replied 2 years ago.
Hi. Thank you for your response. No they do not yet know.
If you settle privately then it is quite unlikely they would report it. There is no reason to do so.
If they do report it then the police would almost certainly just give you a fixed penalty fine of 6 points and £200.
If they do summons you to court then that would be a waste of public money and poor exercise of their discretion but I suppose it does happen sometimes. Even then you would only get 6 points, a fine of 125-175 % of your weekly income and costs of £85.
Can I clarify anything for you?
Jo C. and other Law Specialists are ready to help you
Customer: replied 2 years ago.
Thank you Jo. I think that is all the information I need. I will settle privately and hope they don't report it.
No problem and all the best.
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