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Originally Posted by GT0132
This situation amplifies the reasons why you NEED to have insurance, even if just 3rd party.
If insured, your insurance company will go into bat for you if you're not at fault. But if you have no cover you're pretty much stuffed as it is you who will need to prove fault in court and waste time and money to obtain damages.
I cannot underestimate the necessity to pay insurance ON TIME.
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I wasn't looking at turning this into a 'have or not have insurance' ***** fest.
I 'generally' pay for everything in full, one payment. Insurance was due in January, so its well to late for a 'late' payment.
The police have done all but assure me that I am not at fault and the witnesses at the time have also made statements saying the same.
I am just hoping to get some advice, potentially from someone who may have been in a similar situation previously.