Motability vehicle crash

andrew24

Hi had a nightmare day, we have a motability vehicle for my partner, he got the car and I am the named driver he is not on the insurance policy, today while I was asleep he took the car and crashed total right off, can't claim on insurance as he's not insured, what is the likely outcome regarding motability, he's been charged with driving with no license or insurance, cars in his name but I'm only one insured, devastated any information greatly appreciated 

poppy123456

They may now ban him from the scheme for a certain length of time, even though he wasn't a named driver, he's still responsible for the vehicle.

Motability may also send him the bill for repairs and/or any loss in the sale value.

surfygoose

I’m so sorry to hear that, how distressing for you. Like Poppy said, he may well be banned from the scheme as they may feel he’s unable to use the scheme responsibly and that it isn’t possible for you to keep the keys safely away from his access. However if he has a mental impairment of some kind that is the reason he has the notability car and can’t drive it him self (sorry I don’t know your circumstances so don’t want to make wrong assumptions), but if so then I’m sure he will not get in too much trouble with the police and they will be understanding of his condition. If he is likely to try to take the car if he got back on the scheme then it may be unsafe to be on it anyway or you may need to keep the keys locked away. I have lots of friends with notability cars that would not be allowed to drive themselves. I qualify for notability but would never be allowed to drive because of safety but I guess they will want to balance out whether he would have the capacity to understand that he’s not allowed to drive or whether it is possible to have robust enough safety measures in place to keep the keys out of his way. Thinking of you, it must have been a terrible shock and the thought of if he got hurt or accidentally hurt someone else in the crash. How is he feeling now, is he badly shaken up? Do you think it may at least have taught him why it’s unwise to drive or do his thought processes not work that way? Thinking of you both.

andrew24

He's home and battered and bruised he's very quiet and can't remember the crash, we think he has possible had a seizure before it happened, I've called motability and updated them, RSA insurance saying can't claim as he's not a named driver so don't know what will happen with motability as the car is a right off and RSA won't pay out so don't know what will happen 

poppy123456

The problem you have is he wasn't insured so shouldn't have drove the car. You will need to wait for RSA/Motability to make a decision but as advised, he could receive a ban from getting another vehicle for X amount of years.

2oldcodgers

Unfortunately this happens a lot of the time with cars and drivers that have no insurance cover.
RSA are right. Most of the time the uninsured who write off their cars they will own them. For those that are leasing a car or have a conditional sale agreement the owner will want their money back and if the insurance company refuse tp pay out then the  lessee will have to pay them out, out of their own pocket.

2oldcodgers

One of my grandsons'  has a girlfriend who genuinely does not believe that the laws of this country affect her,
She (aged 18) owns a 17 year old car (complete wreck in my opinion) that has not had an MOT test in the past 5 years (it was previously her mothers car) There is no third part insurance on the vehicle , the log book has a fictitious name and address in it, it has never been taxed for the past 5 years that I know of. And to be honest I doubt that it has had any form of servicing carried out on it.
Yet the car is on the road (mainly country lanes) every week!
She genuinely believes that because it is used only on these types of roads she is entitled to drive it.
I would add that she does not hold any type of licence, provisional or otherwise or that she has ever applied for the theory test and the car does not display L plates front and back. 

I am hoping that the police stop her and get the death trap crushed.

vikingqueen

      Do you think that's acceptable @2oldcodgers, why haven't you reported her? 

poppy123456

2oldcodgers said:

One of my grandsons'  has a girlfriend who genuinely does not believe that the laws of this country affect her,
She (aged 18) owns a 17 year old car (complete wreck in my opinion) that has not had an MOT test in the past 5 years (it was previously her mothers car) There is no third part insurance on the vehicle , the log book has a fictitious name and address in it, it has never been taxed for the past 5 years that I know of. And to be honest I doubt that it has had any form of servicing carried out on it.
Yet the car is on the road (mainly country lanes) every week!
She genuinely believes that because it is used only on these types of roads she is entitled to drive it.
I would add that she does not hold any type of licence, provisional or otherwise or that she has ever applied for the theory test and the car does not display L plates front and back. 

I am hoping that the police stop her and get the death trap crushed.

Yet you're obviously allowing her to continue to do this..

JessieJ

You state all that, @2oldcodgers & you are allowing her to break many laws & be a danger to everyone by not reporting her. For that, you are just as bad!

life

2oldcodgers said:

One of my grandsons'  has a girlfriend who genuinely does not believe that the laws of this country affect her,
She (aged 18) owns a 17 year old car (complete wreck in my opinion) that has not had an MOT test in the past 5 years (it was previously her mothers car) There is no third part insurance on the vehicle , the log book has a fictitious name and address in it, it has never been taxed for the past 5 years that I know of. And to be honest I doubt that it has had any form of servicing carried out on it.
Yet the car is on the road (mainly country lanes) every week!
She genuinely believes that because it is used only on these types of roads she is entitled to drive it.
I would add that she does not hold any type of licence, provisional or otherwise or that she has ever applied for the theory test and the car does not display L plates front and back. 

I am hoping that the police stop her and get the death trap crushed.

You should report her asap. You will have it on your conscience if she or someone she comes in contact with injures themselves or worse. 

Report her anonymously if you think it might cause a rift between you and your grandson.

2oldcodgers

vikingqueen said:

      Do you think that's acceptable @2oldcodgers, why haven't you reported her? 

Not at all! But it is not a new idea in this country especially with the cost of living being so high with many running and using cars/vehicles etc that are illegal never mind not having a driving licence.
As for reporting her - I don't see that it is my job to do so. Besides she is sort of family and one thing that has been instilled in me is that you do not tell tales about family members.

I was just pointing out that people like her will never suffer  the consequences of driving without insurance. Her car is a wreck and the sooner that it is crushed the better.
Even if she is prosecuted any fine imposed will be set relevant to her income which is about £30 a week. She is still a full time student at 18 with any welfare claimed with the payments being paid to her mum. 

Writing off a £30,000 Motability car is slightly more serious as the driver/lessee will have to compensate the car owner with the full loss as well as being fined.

vikingqueen

  There are no words, how can you stand by and let her get away with what she is doing. What happens when she kills someone in her unlicensed, untaxed, uninsured no mot vehicle!!! 

 I take it you have never had the knock on the door  to say there's been an accident, trust me when I say it changes people's lives. Family or not she needs stopping. 

JessieJ

2oldcodgers said:

vikingqueen said:

      Do you think that's acceptable @2oldcodgers, why haven't you reported her? 

Not at all! But it is not a new idea in this country especially with the cost of living being so high with many running and using cars/vehicles etc that are illegal never mind not having a driving licence.
As for reporting her - I don't see that it is my job to do so. Besides she is sort of family and one thing that has been instilled in me is that you do not tell tales about family members.

I was just pointing out that people like her will never suffer  the consequences of driving without insurance. Her car is a wreck and the sooner that it is crushed the better.
Even if she is prosecuted any fine imposed will be set relevant to her income which is about £30 a week. She is still a full time student at 18 with any welfare claimed with the payments being paid to her mum. 

Writing off a £30,000 Motability car is slightly more serious as the driver/lessee will have to compensate the car owner with the full loss as well as being fined.

There are absolutely no excuses for her nor you in not reporting her. Your grandson gets killed whilst in the car with her, what then, more excuses? BTW, I really do hope that doesn't happen, but it could!

Alex_Alumni

@andrew24 have there been any updates since you last posted? How is your partner doing this weekend?

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