Doing people a favour.......

Is the damage not covered by your insurance, if you had given your permission for them to drive it? They could pay you whatever you lost on your NCB.

They should have had it repaired straight away.

Is the car driveable? Can you get it back to yours? And then get it repaired under the insurance in the usual way. Not mentioning the fact that it had been lent out.

This is probably hightly illegal advice. But still........

The car had been sort of "off road" because at the time I was driving the Focus and Mr P had a company van. In order to make it easier to tax, insure etc, we signed it over to them i.e. completed the slip that you have to do when you sell a car, although no money changed hands as they understood it was just a loan of the car. That meant that they were then able to insure it themselves, tax it etc. which they did.

I also have a feeling that they did not exchange details with the person who hit them, but I can't be sure about that. When I phoned J earlier today to thank her for a lovely evening, I did ask when they planned to get the repairs done, she said the repair chap was flexible . I asked if they were going to get it done under their insurance, she said "oh, that's a thought, I'll get B to phone NFU (their insurers) tomorrow"

Don't you think the insurers will wonder why they have taken this long to get in touch, and if they haven't got the other party's details, that will look a bit odd too?

Like I said, I do have a bad feeling about this. I think I'm perhaps not being given the full picture.

I thought an accident while driving a borrowed car had to be covered by the actual driver's insurance? I know I'm covered to drive a car lent to me with the owner's permission - but only third party cover.

I don't know how they could just sit through dinner without even discussing the matter...

Ignore my post, please - yours hadn't come up at the time of posting, phoenix!

Sounds a bit fishy to me.

j08 & Ana see my most recent post. Hopefully it will explain how the arrangement was set up.

Yes - as I said....

Sorry, bit out of synch!

Phone her again tomorrow evening and ask how she got on with the insurers? And ask her straight out if they exchanged details at the time of the accident.

Hope this isn't going to muck up a friendship.

Sounds as though they think it's theirs - which I suppose it is, legally...

That's my main worry too j08

If you completed the transfer slip and they have taxed and insured it then technically the car is theirs. They should have exchanged details with the driver who hit them. If he was a boy racer he might not have been insured and they might not have taken out uninsured loss cover.

Tricky. You sound very tolerant, phoenix. Time to Kick Ass maybe??

merlot I think it would be tantamount to kicking someone while they're down! They have had a hell of a lot to put up with since B's stroke.

Ok. Well, wait a couple of days and then ring and see how they'e getting on with the insurers. Just sort of, gently keep the ball rolling now.

Difficult when you don't want to fall out with them because you understand their predicament. It's probably giving them more than a few sleepless nights as well.

Not sure exactly what you mean by a "boy racer", P. Was it a car, and if so was he not insured?
Is he being prosecuted? perhaps this is delaying things, but evcen so it's odd your friend hasn't been more open with you.
Someone ran up the back of me on a roundabout once causing considerable damage to my car. It was 3 months beforehe and his insurance company admitted liability and I could get my car repaired.
I do hope you manage to sort it without spoiling your friendship

Yes, I think it is. But I just don't understand why they have left it so long.

The thing is, IF Mr P's car continues to play up, we will really need it, as every he doesn't work, he doesn't earn, and as I said he lost 3 days last week, which is a lot of money!

But I'm not too happy about getting it back until it's been repaired. Bit of a catch 22.

If it comes to it, Mr can use my car, but it will be a nightmare on fuel.

Sorry, meant "every day" he doesn't work etc.

You will need to make your phone calls to them sound helpful rather than "chasing up". Which I am sure you would do anyway.

And of course you'll have to get them to sign it back over to you again. At some stage.

J08 that's the odd thing, J rings me almost every day, just idle chat sort of thing, and I didn't really think I would need to ask how things were progressing. She told me about the accident the day it happened, shortly after I did think that I might need the car to go to an interview, she said "Ok, I won't book the car into Mr F the repairer, just in case you need it" It then transpired that I didn't need to go to the interview, which I told her, thinking that she would then get on and book it in, but obviously not, hence it still being on their drive in a damaged state!

Yes Ana I think as soon as it's done!