Showing posts with label insurance. Show all posts
Showing posts with label insurance. Show all posts

Saturday, January 26, 2008

Driver Sues Dead Cyclist


Spanish Driver Sues Dead Cyclist

Click on the above link and read the article - tell me what you think. Imagine that the car driver was not speeding and only that he failed to see a cyclist who was riding at night with no reflective clothing and no helmet. (The driver in the article has not faced any criminal charges).

Is he right to want compensation for the damage to his vehicle from the dead cyclist's family?

If one car driver caused a collision with the other but died of his injuries, the other driver would claim against the dead person's insurance company being liable for the accident - not involving the dead man's relatives. However as this case involved a cyclist there is no insurance company to fall back on so he would naturally look towards the dead man's relatives for compensation.

You could however question why the driver has not claimed against his own insurance company. The article unfortunately does not provide full details of the accident, if the accident was solely the fault of the cyclist, why should the driver have to make a claim to his insurance company which would subsequently affect his premiums and any no claims bonus. Compare this with someone whose car is vandalised; their insurance is affected, yet they are not to blame - is this fair?

Personally if the cyclist was wholly to blame I do not blame the driver for making a claim although directing this at the cyclist's family appears insensitive, but it may be the only option. Even if the cyclist is only partly responsible the driver can still claim.

If this case happened in the UK, I think many home insurance policies cover liabilities relating to householders' actions and the driver would be able to claim against this.

Monday, September 03, 2007

List of Driving Offences

Please find below a table of motoring offences, their definitions under the Road Traffic Act (RTA) 1988 and the penalties they carry.

Please note:
1. All of the below offences could carry a fine.
2. Where two imprisonment sentences are stated these are either-way offences and relate to the outcome of either indictment/summary trial e.g. Dangerous Driving carries maximum 2 years imprisonment on indictment but 6 months maximum if tried summarily.
3. The below table highlights the possible implications of the driving offences listed - each penalty is subject to variation dependent on the individual circumstances of each case - seek legal advice.

Any questions please post.
Coming soon.... Alcohol Related Offences.
OffenceDefinitionPenalty
Dangerous Drivings2 RTA- Drives a mechanically propelled vehicle dangerously on a road/public place2 years/6 months imprisonment

Obligatory disqualification exceeding 1 year

3-11 points

Causing Death by Dangerous Drivings1 RTA- Drives a mechanically propelled vehicle dangerously on a road/public place - must be proven that caused the death of another personMaximum 14 years imprisonment

Obligatory disqualification exceeding 2 years

3-11 points

Careless Drivings3 RTA- Driving a mechanically propelled vehicle on a road/public place without (a)due care and attention or (b)without reasonable consideration for other persons using the road/public place3-9 points

discretionary disqualification

Failure to Stops170 RTA - Driver of a mechanically propelled vehicle on a road/public place must stop and give details if they have had an accident 6 months imprisonment

5-10 points

discretionary disqualification

Failure to Report an Accidents170(4) - Driver of a mechanically propelled vehicle on a road/public place must if they have an accident report the matter to police as soon as reasonably practicable and in any event within 24 hours6 months imprisonment

5-10 points

discretionary disqualification

No Insurances142 RTA - Using (or causing/permitting to be used) a motor vehicle on a road/public place when there is no policy in force against Third Party risksFixed penalty fine

6-8 points

discretionary disqualification

Driving While Disqualifieds103 RTA - Driving a vehicle on a road whilst disqualified from holding or obtaining a licence6 months imprisonment

6 points

fine

discretionary disqualification