car insurance

[missfoxy1]

I did something really stupid!, i went out in my car early one morning. i lost control not far from my own house and hit someones wall. I knocked myself out for a minute or 2 as i smashed my face on my steering wheel. i came round dazed and confused, panicked and drove home. I had a few drinks to calm my nerves and blacked out on my bed. later i heard a knock at the door. It was a policeman. i was arrested and took to the police station where i was breathalized i failed. i was released without charge but i have to go back to the police station next month. My car is on lease hire and there is a lot of damage to the front that it is impossible to drive. I'm not sure now if i am insured or not? can anyone help me please?

[boxtops]

More information needed please. Is is a company lease car, is the insurance though the company? did you tell them about it straight away?

They may refuse to indemnify you if the police believe you were drink-driving. Why did you lose control of your car? was there damage to the wall - the owner will no doubt want to claim?

[missfoxy1]

no its one of those pcp passport hire. i have my own insurance, i rang them on the day after to ask for a claim form. they havent posted one out to me and its near on impossible trying to get in touch with them on the phone. i have emailed them with no response. yes the person whos wall it was wants to claim from my car insurance.

[boxtops]

who's your insurance with (if you don't mind saying)? there have been delays due to the holidays - do they not have a website where you can download a claim form?

[missfoxy1]

the insurance is hastings direct, i have googled and cant find an online claim form

[New Judge]

What makes you think you may not be insured?

Provided you had valid insurance cover at the time of the incident your insurers cannot refuse to indemnify you against Third Party claims even if you are convicted of driving with excess alcohol. Insurers are not entitled to void cover because the driver has broken one of the road traffic laws (with the single exception of driving whilst disqualified). If they were, every prosecution for, say, speeding, careless driving or excess alcohol would be accompanied by a charge of driving with no insurance. A visit to your local Magistrates’ Court on traffic court day will demonstrate that this is not so.

Provided it is stated in their terms and conditions they MAY reduce any payment they make for accidental damage to your own car if they have a clause that states they may do so if they believe you have been negligent.

[boxtops]

That's reassuring, NJ, thanks for the clarification.

[joko]

when you say early one morning...do you mean driving home from the night before...?

why did you lose control?

how did you black out after just a 'few drinks' to calm your nerves...?