What happens if I do not have insurance and I am involved in an accident? - MINI Cooper Forum
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Old May 19th, 2014, 12:29 PM
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What happens if I do not have insurance and I am involved in an accident?

I'm wondering if anyone has an opinion on the value of adding your view in forums or blog comment threads.if i have no insurance and i am unlucky involved in an accident.
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Old May 19th, 2014, 12:50 PM
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Quote: Originally Posted by jaxsmith207 (original)
I'm wondering if anyone has an opinion on the value of adding your view in forums or blog comment threads.if i have no insurance and i am unlucky involved in an accident.

Don't know, anyone on here an expert on sharia law? whatever the outcome I wouldn't want to be in your shoes!
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Old May 19th, 2014, 12:54 PM
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UK - well prob 6 points on your licence a big fine and a conviction. You being left to foot the bill for your own repairs, possibly getting sued by the other party for their losses and difficulty in obtaining insurance at a reasonable price for a considerable period of time.
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Old May 19th, 2014, 03:45 PM
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You should have put a reminder in your diary, insurance due date as a prompt for you so you dont forget if they dont automatically send you a renewal quote.
Unless you never bothered about insurance at all, which is a bit irresponsible to say the least, good job no one was killed.
But I see youre in Afghanistan so youre probably ok, never knew they did insurance there, just shot you instead.
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Old May 19th, 2014, 04:21 PM
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Obviously insurance is there to help you recover any loses you may have if involved in an accident, theft or fire damage of your vehicle. But ultimately it's to cover the loss of damage or life that you might inflict on other road users, property or street furniture if you have an own fault accident.

It will also/should cover you from the cost of any damages inflicted by other road users who not insured.

As the others have pointed out here in the UK vehicle/driver insurance is a legal requirement. In certain parts of the world I guess it's sometimes an option.
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Old May 19th, 2014, 04:40 PM
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I'm sure the insurance premium for a Toyota pickup with the optional Heavy machine gun on the back must be quite high
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Old May 19th, 2014, 04:55 PM
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Well I guess it would be classed as a modified vehicle, I don't think it's a factory option.

But there are specialist insurance brokers that deal with modified vehicles.

I wonder if they ironically have a "One Life Live It" sticker that seems to be stuck on every chequer plate accessoried 4x4 over here.
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Old May 26th, 2014, 02:04 PM
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Without insurance, you'll be legally responsible to cover all the damage personally.
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