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Length of time to charge, no insurance.

  • 04-10-2011 1:11pm
    #1
    frag420
    Registered Users, Registered Users 2 Posts: 6,161 ✭✭✭


    Just wondering, if someone was in a car accident and it later transpires their ins company had ceased insuring them a few months previously and did not notify them then what happens??

    Is the driver responsible for making sure they are covered at all times??

    If the driver were to be prosecuted for no insurance is there a time limit after the original accident that one cannot be prosecuted? Say it's a year since the accident can they still be prosecuted?

    Cheers

    frAg


Comments

  • #2
    ANSI
    Closed Accounts Posts: 384 ✭✭ANSI


    frag420 wrote: »
    Just wondering, if someone was in a car accident and it later transpires their ins company had ceased insuring them a few months previously and did not notify them then what happens??

    Is the driver responsible for making sure they are covered at all times??

    If the driver were to be prosecuted for no insurance is there a time limit after the original accident that one cannot be prosecuted? Say it's a year since the accident can they still be prosecuted?

    Cheers

    frAg
    were they paying in installments? If not why did they not know they were not insured


  • #3
    frag420
    Registered Users, Registered Users 2 Posts: 6,161 ✭✭✭frag420


    frAg[/QUOTE]
    were they paying in installments? If not why did they not know they were not insured[/Quote]

    They were paying in monthly installments. Ins co claimed they sent out reg letter stating no monthly DD was forthcoming and they were ceasing cover. However no such letter was received and requests to furnish proof of letter being sent have proven unsuccessful.

    Can someone still be prosecuted for no insurance if they were not informed they were not covered and genuinely thought they were covered??


  • #4
    Milk & Honey
    Banned (with Prison Access) Posts: 1,950 ✭✭✭Milk & Honey


    First off there is usually a demand to produce insurance. The demand must be made within one month of the incident. If the demand is not made the prosecution have more difficulty in proving their case. An application for a summons must be made within 6 months of the date of the offence.


  • #5
    frag420
    Registered Users, Registered Users 2 Posts: 6,161 ✭✭✭frag420


    Milk & Honey wrote: »
    First off there is usually a demand to produce insurance. The demand must be made within one month of the incident. If the demand is not made the prosecution have more difficulty in proving their case. An application for a summons must be made within 6 months of the date of the offence.

    On day of accident a member of An Garda took ins number from disc displayed on windscreen. Was about 12 months after when person found out there was no cover after a call from the Garda to say there wad no cover.


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