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My poor sister.....

From:


"In the UK, when a vehicle is stolen and subsequently involved in an accident or causes damage in some way or form, the initial source of compensation is usually the insurance policy of the stolen vehicle's owner. "

So as long as the stolen vehicle was insured (which is likely to be the case), then the stolen vehicle's insurer should pay up for the write-off of your sister's car as well as any damages to the property.

If you can't find out who the other car was insured with, then you may need to go through your own insurer first (and they will claim the damage off the other-party's insurer). But ideally, you'll contact the stolen car's insurer directly. Did you make a note of the VRM? If not, you can ask the police for the details of the other vehicle (it will probably be in the police report anyway).
Sadly , there are many more uninsured drivers and vehicles out there than most people realise .

The Ford Capri which wrote off my W115 back in 1978 was registered to the step father of the unlicenced and uninsured drunk driver who hit my car , then it transpired he had allegedly stolen it , and it was untaxed and had no MOT ; nor did the registered keeper have any insurance !

The woman in the Toyota who wrote off my S124 was also uninsured , as was the vehicle , which was also untaxed and untested .

The girl in the BMW ( daddy's car ) which wrote off Jan's Nissan was not insured to drive the vehicle and the father's insurer refused to entertain the claim unless he reported his daughter as having stolen the car - in the end he came up with an envelope full of cash as that was the least painful way for him to settle our claim .

In cases of police pursuits which go wrong , there can in certain cases be liability against the police for continuing a pursuit which is becoming unsafe , rather than breaking it off .
 
While I'm not condoning, uninsured drivers, absolutely, definitely not... Ridiculous insurance premiums. Unfortunately are probably slightly to blame, in some cases. 🙁
 
While I'm not condoning, uninsured drivers, absolutely, definitely not... Ridiculous insurance premiums. Unfortunately are probably slightly to blame, in some cases. 🙁

True. The insurance industry blames it on a rise in 'personal injury' claims (promoted by ambulance-chasing legal firms) as well the murky business of 'accident management' firms in general, all leading to what has become known as 'claim inflation'.

Obviously, the increase in cost of parts and increase in labour costs (the latter being a natural byproduct of the ongoing increase in the standard of living) do not help.

I am not making excuses for the insurance industry, however if we're to bring down the motor insurance policy cost, then there's more to it than simply telling the insurance companies to drop their price and make less profit.
 
Nice one.

I do apologise but I missed wherever it was first mentioned but could I ask what relationship is Amy to you and your Sister ?
 
Nice one.

I do apologise but I missed wherever it was first mentioned but could I ask what relationship is Amy to you and your Sister ?
Amy is our niece and was very close to Sophia (my sister's daughter) who sadly took her own life a year ago. The main contributor was poor mental health, hence the sponsored run in support of MIND
 

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