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Jo C.
Jo C., Barrister
Category: Law
Satisfied Customers: 71159
Experience:  Over 5 years in practice
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I had a car accident, i have been hit by a driver who drove

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i had a car accident, i have been hit by a driver who drove a stolen car, and run/disappeared from the place of accident, she was driving very fast when she bumped me in the left back wheel. The insurance company after i reported the accident answered that they will hold me "at fault" and i will lose 2 years 'no claims bonus' just because i was driving on the road without priority and seems not take in consideration all circumstances ( if the other driver was or not drunk or consumed drugs, the speed was over than legal even she was driving on the road with priority, etc). In the next 6 months if they will receive no claim of accident , they promise that : "we will reinstate your No Claims Bonus and the incident will be removed from our system" !!?
question - is that legal to be hold at fault for that accident and be exposed to the risk that the other driver who run from the place of accident to rise claims against me?
Customer: replied 1 year ago.
i have should have to specify that the other driver left the stolen car at the place of accident and run before police and ambulance to arrive there

Is there any reason you think they shouldn't hold you at fault?

Do you deny being in a location without priority?

Customer: replied 1 year ago.
no i did not deny being in a location without priority. they look on a specific map and they could see the road on which i was driving it is without priority. important to detail that i specified them that the other driver was rolling very fast unsuitble with the legal speed in the area of that road cross

In that case, is there any reason you think they could contest this?

Customer: replied 1 year ago.
no, i do not see any reason, may be they spoke with the police officer and ask him about his opinion but the police officer did not mention to me nothing in this sense. Furthermore he seems to have an opinion in my favor.

Well, it doesn't matter what the officer did or did not say. It is nothing to do with him or his views.

This is question of civil liability. If you were encroaching upon his priority then you are liable.

There might be a reduction for contributory negligence to reflect speeding but no more than that.

In any event though, you would have lost your no claims bonus as there has been a claim. It wouldn't matter whether you were vindicated or not.

Can I clarify anything for you?


Customer: replied 1 year ago.
also they ask me if i can tell them how faster the other driver was. i answered them i can not appreciate the the speed but i saw her enough far to have time to drive through that cross.
ok , i understand, so if you can assure me it will not be any other consequences, than that i will lose "temporary" that- no claim bonus (i understand is very less possibility somebody who run from place of accident and drive a stolen car to be able to rise a claim) it is ok and is clear i will fill beter :)

Yes, they can ask you what your assessment was of his speed.

Jo C. and other Law Specialists are ready to help you
Customer: replied 1 year ago.
ok thanks