car insurance law?

[clarelouise]

Hello there,
can anyone help me out here.
The other day a lady bumped into my car whilst parking on the front of my house.
She lifted my car 1foot off the ground,according to my neighbours who witnessed it.
She gave me insurance details etc noticed the her name was not on the documents.There was a man's name.
I asked why her name was not on the document.
She said she was a named driver on her husband's policy.
I contacted my insurance company to notify that someone had bumped my car but I was claiming off her insurance.
They told me to contact the lady's insurance company.
I did so and they said that this person's name wasn't on the policy.
To cut a long story short she now says she has insurance to drive any car through her car insurance company,and that she is a named driver on her husbands.
I know she isn't on her husbands.
So what I want to know is.
Is she driving her husbands car legally.
Can she be insured on her own insurance to drive any car and then drive someone else's car and not be named on that other person's policy.Is that legal.
She has borrowed her husband's car and bumped into mine but she isn't named on his policy.
She says she is insured for her land rover and that insurance is to drive any car.
Surely she should still be named on her husband's policy to drive his car as well.
Because if she has to be named on his insurance she is driving his car illegally.
Please help!
Many thanks to any replies.
clarelouise.

[Ethel]

There are insurance policies that allow the insured to drive any vehicle - but that is the insurance policy she should produce, not her husband's which clearly does not insure her.

So, she need not be named on her husband's policy to drive his vehicle if her own insurance policy has the 'any vehicle' clause. She may be driving legally, but she has not proved this by giving you details of her insurance policy.

Report the accident to the police - tell them you believe this woman has no insurance.

Get on to your own insurance company - you pay them to handle claims on your behalf, if you are insured fully comp.

[clarelouise]

Thanks very much for your reply.
Much appreciated.
Clare

[dilligaf]

As Ethel said contact the police.

If your insurance company suggested YOU should contact the other persons insurance tell them, NO, YOU CONTACT THEM, thats what you are paying them for.

Besides if you contacted the other persons insurance company it could have an adverse effect on your claim.

[SlackAlice]

If the women's name is not on the husbands insurance certificate and there isn't an extension on the certificate to cover 'any other driver' then she is not insured under that policy.
Report it to the police asap. If you can get a 'friendly' approach at your local police station all the better. If they pursue it they should be able to verify name, address and insurance details.
I can understand your desire to pursue the matter yourself, especially if you have an unprotected 'No Claims' bonus, but I feel you might be getting the 'runaround' here and you might have to pass it over to your insurers.
What ever you do keep them informed.

[BenDToy]

Stop all this running around and worrying about it. The problem is not your's - it is your insurance company's. Give them the details and let them sort it out. You should not be contacting another insurance company, or the police. Make sure you provide the names of the witnesses. They are crucial to your claim.
By the way, it is perfectly possible that she has insurance to drive any car. many people have. However it may well be limited to 3rd party personal injury, not damage to a vehicle, so you will need your insurance company to pay out.