DS17 has crashed his car, then cancelled his insurance help please !!

[iloveshetlandponies]

He only passed a few weeks ago and yesterday was driving home from school and he went into the back of the car in front of him. This was due to someone pulling out on the driver in front and my son braked hard but unfortunately did not stop in time and has bumped the back of the car in front

Luckily no one was hurt and the other driver was reasonable and exchanged numbers and agreed DS (aka me!) would pay for the damage rather than going through insurance . The other chap is going to get a quote for the damage and contact us today to sort

However in his panic my son decided he doesn't want to drive for a while and so went onto his car insurance app and cancelled his own policy 🤦‍♀️ (he has pay as u go with Veygo and it's still insured because I've got my own insurance on the car which you have to have when insured with Veygo)

But now I'm panicking in case the damage is not affordable / the car is a write off and the chap has no choice to go through his insurance. My son now isn't insured - although he was at the time of the accident - so what will happen ?? And it's not like we can just reinstate the insurance as he's now had an accident, Altho not reported

It sounds daft but in all my years driving I've never had an accident and never had to claim so I'm not even sure how it all works !!

The app is connected to a black box in the car and automatically connects if you’re driving. They don’t just monitor your every movement 24/7

• he was insured at time of accident - get proof of the dates he was covered.
• the person who pulled out arguably caused the accident- should be their fault.
• Definitely go through the insurance…

How bad was the damage? I'd be concerned due to age of car it could be a write off in which case he will go through insurance. Also what about your son's car, was that damaged badly?

Please count your blessings and be very glad it wasn't more serious. My dh and I were in the motor trade for years and dh is also involved in motorsport as his hobby. We had a limited edition car for sale (particularly fast and sporty) and a couple he knew through his hobby wanted to buy it for their 17 year old son, he asked them not to buy it, told them their sin was too young, wasn't experienced enough for it, he explained the speed and power but they insisted their son was sensible etc. Bought the car, son spent a week or so showing it off, driving to school but then wrapped it around a tree, spent a month in recovery and was left with a limp. The car was buried in a hole in a field.

I think Veygo must have different policy types. My DCs have used them on and off for a couple of years and there is no mention of telematics on the policy documents we have. So OPs son may not actually have a telematics policy with them at all (not sure she has confirmed this). My DCs just use them for insurance as and when they need it. They've bought insurance for periods of just 2 hours (for about £10 as a learner), and for up to a month or more when home over the summer.

Luckily no one was hurt and the other driver was reasonable and exchanged numbers and agreed DS (aka me!) would pay for the damage rather than going through insurance .

Why are you paying? If he doesn't want to go through his insurance then he pays and if he's cancelled it then that's down to him.
This is why men never take responsibility and leave woman to sort things out.

Not always.

88% yes. But not 100%

@rainbowunicorn Thanks for those kind words. Today is a extra bad day for bossie types I commented similar on another thread. It makes me feel so fucking old and sensible. Eh! moi?
Back to the zoom meets.. . . . .

I doubt the man will want to go through insurance because if it's a 20 year old mini they'll probably write it off

Not always, someone rear ended my car as I was waiting at traffic lights, she pushed my car forward with such force that my car went into the car in front of mine. I had the handbrake on and in neutral gear. Luckily it was all on
dashcam. The driver who hit me was responsible.

If it's £1000 I don't know why you don't just go through insurance. People seem so scared to use car insurance, it's weird. It makes your premiums go up a bit yes but not that much. Plus you don't need to worry about fraud because you have failed to inform them of an accident. 17 year olds are crashing all the time that's why their insurance is so expensive. A £1000 claim will not make much difference, his insurance is already extortionate.

In a way this is good, he will be more careful now and he hasn't done any major damage. So many 17 year olds die or are badly injured while new drivers. Hopefully this incident will be his only one.

@Daffodilsandtuplips

That isn't the same as you driving into the back of someone.

As he was insured at the time of the accident I'm sure that it'll be fine.

However, if you can manage it I would try and persuade him to get "back on the horse" as it were. My mum had a similar, small accident around six months after she passed her test and was too nervous to get back behind the wheel. She didn't drive for 15yrs after that and says now that she wished that someone had helped her get back driving to increase her confidence. She ended up with a phobia of driving really and had to have CBT to restart, aged almost 40.

I hope it gets sorted somehow.

the person who pulled out arguably caused the accident- should be their fault.

🙄
Please tell me you're not a driver!

Oh no I definitely won't do this

My son is at fault here so we will pay what's due

Right? Also...bet the son is lying. Also also.....it's HIS fault for not following at a safe distance. My brother went into the back of someone and the police officer said if you go into the back of someone, even if THEY were braking for WHATEVER reason, the one who went into the back will be the one at fault and liable for damage because they weren't driving with due care and attention aka at a safe distance. Lesson learned painfully for your son. And he should be paying, not you, or he'll never learn.

@iloveshetlandponies I know you didn't say you were thinking of doing this, it was another poster who suggested this to you. You sound an honest person and your son simply made a mistake, try to encourage him to get out driving again asap, it would be a shame if he lost his confidence because of a minor bump that could've happened to anyone, even a more experienced driver.

As he was insured at the time of the accident, that insurance company will have to deal with it should a claim be made.

You have to notify them though, he didn’t.

No chance. The car in front managed to avoid this vehicle. Her son was obviously driving to close to the vehicle in front.

Someone crashed into the back of me 2 years ago. I agreed for him to replace my rear bumper, fix one rear light and of course paint the new bumper. It costed him £600.

Photo of the damage:

Long shot - any dashcam footage?

Someone went into me at rear tiny scratch but when they removed bumper was damage to internal crash structure and many £££
Is not just visible damage

Someone reversed into the side of my new car. The damage was small but still annoying. I didn't claim and didn't ask them to pay for the damage.

I would wait and go through the nsurance company, if necessary. I wouldn't pay for anything with cash.