Roundabout claims are very difficult to bring and defend and very often, they will settle 50-50 in the absence of any clear evidence or witness statement as to who was at fault. Even then, they very often settle 50-50.
However don’t be at all surprised if she runs off to an ambulance chasing solicitor who will deal with a personal injury claim for her on a no win no fee basis.
She can also claim on behalf of the child and with legal costs, a couple of straightforward whiplash claims for a couple of thousand pounds each can easily be a £10,000/£15,000 bill.
Leaving aside the police and the uninsured issue (you don’t have a defence to that I’m afraid) if she brings a claim against you it will be dealt with by your original insurer under the Motor Insurers Bureau uninsured drivers scheme and they will be told to deal with the claim as though the insurance was still in place but they will seek the money back from you.
If you can settle this out-of-court, so much the better. Otherwise, tell her that you are not insured (don’t tell her about the Motor Insurers Bureau) but that you’re happy to pay for the damage if she tells you how much its cost is. Alternatively, you can brazen it out and tell her that in your opinion, having taken advice, it was on a roundabout and whilst you believe that she was at fault, it’s 50-50 at best/worst and she can do what she likes.
There isn’t a magic way of dealing with this I’m afraid.
.Can I clarify anything else for you?
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