Archive for February, 2009

I am not insured, and I have had an accident

Unfortunately many people discover after they have been involved in a road traffic accident that for some reason their insurance is invalid, so what can be done?

A car crash in Colorado Springs, Colorado.
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The Motor Insurers Bureau

The MIB as it is usually known is the organisation that pays the victims of uninsured motorists so whatever happens, if it turns out that you were not insured and were to blame, the person who was injured or whose property was damaged should not be adversely affected by your lack of insurance (unless he or she is also uninsured).

The MIB is primarily funded by a percentage of the motor insurance we all pay.

However, once they have settled the claim(s) made against you, they will look to recover from you all the expenditure they have paid out. They may however agree to payment by installments.

If the vehicle was insured..

..but you were not covered to drive it, then the insurers of the vehicle will have to make payment in the same way as the MIB and similarly will look to you to repay their expenditure.


What if the accident was not your fault?

If the other driver was to blame, then the fact that you turned out to be uninsured is irrelevant to your claim and you can recover your losses just as you would if the insurance had been valid. The only exception is if the other driver is also uninsured.

If you were partially to blame

..then you can recover your percentage of damages but they may well be swallowed up by the amount payable to the other party.

For example, where there has been a head-on collision with no witnesses or other information to available to prove who was to blame, the matter may be settled on a 50/50 basis.

If your claim is worth £3000.00, your 50% would be worth £1500.00 but if the other driver’s claim was worth £2000.00, he would be entitled to £1000.00 plus legal costs at say £1500.00 with the result that you would owe £2500.00, £1500.00 of which would be recouped immediately from the monies otherwise payable to you, leaving a balance of £1000.00 still payable from your own resources.

Do not ignore correspondence

Insurers and personal injury lawyers have access to the Motor Insurers Database so it will soon be discovered if you have no insurance or if your insurance is defective. By co-operating with the Motor Insurer’s Bureau or the actual insurers of the vehicle, this should keep costs to a minimum. Send any letters you receive form solicitors or insurers without delay to the MIB or the insurers involved and provide as much information as possible. If you do not, they may have no option but to pay the claim against you in full even if in fact you not wholly at fault.

THIS ARTICLE IS NOT INTENDED TO COVER ANY MATTER RELATING TO POLICE PROSECUTION ARISING OUT OF A LACK OF INSURANCE

Chris Lodge
Kaslers Solicitors
If you need After Accident Assistance following a Road Accident in the UK, we can help – <a href=”mailto:cml@kaslers.co.uk?subject=”Ref: Kevin Arrow”>Email direct with as much info as you can by clicking here</a>

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The latest ‘Mini’ adventure

BBC news has reported 850 job loses from BMWs Mini plant in Oxford. The site has laid off all its casual and temporary workers and stopped all weekend working.

Unions and other people have described this move as disgraceful. In the mean time BMW have identified 150 surplus staff in Swindon and are transferring them to Oxford.

This seems like good practice to me when things get tight financially surplus labour requirements have to cease. Temporary workers are exactly that, temporary. However it will have a profound impact on the economy in Oxford.

Work at the Cowley plant will not restart until 23 February. The change in shift patterns and the resulting job losses, will come into action on 2 March 2009.

“Mini plant Oxford will be bringing in a new shift pattern in response to continuing volatile market conditions,” a BMW statement said. “As of Monday 2 March, the plant will go from a three-shift to a two-shift pattern, operating five days per week instead of the current seven.”

“The company regrets that this change will result in the release of around 850 agency workers from the business,” it added.

Good luck former Mini agency staff, use your skills elsewhere, set up your own businesses, take the retraining on offer whatever you do, don’t sit back and wait for Mini to re-employ you, it may not happen for a long time. :-(

Sarah

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Winter driving tips – snow and floods

The best preparation you can give your vehicle for driving in the winter is a full service.

Some people don’t bother with this, and if you are a courier company like us you will be servicing your vehicles every 6-8 weeks anyway. It’s so easy to forget the things like anti freeze when you do it yourself, but that can make a big difference when the temperatures drop!

New York's {{w|Finger Lakes}} A late fall snow...
Image via Wikipedia

If you do a lot of driving in the winter here are some things you should be prepared for.

1. You can get stuck in snow or mud very easily.

First try and gently ‘unstick’ the vehicle with a gentle back and forth motion. If this doesn’t work a shovelful of grit / dirt /salt under the tyres may help add some traction. If that doesn’t work, try the rubber floor mats underneath the tyres (the mats that are in your foot wells fit perfectly).

2. When driving through water or ‘fording’ flooded country lanes check your brakes after. Don’t forget to check the ‘cat’ as well.

Make sure that your brakes are working correctly by testing them slowly when you have exited the water. Do not drive through water that comes above the halfway point of your wheels. When driving through the flooded section drive slowly in first or second gear and DO NOT drive fast enough to create a wave! If your vehicle has a ‘cat’ check them after as well, the ‘cat’ (catalytic converter) operates at high temperatures and this means when it comes into contact with ice cold water, it could crack. That’s a very expensive item to get replaced.

3. Take Extra care when driving up hills that have snow on them

Leave plenty of space for the person in front before you start your journey up hill. This isn’t the time to be driving fast and tailgating people. If you find you are starting to slip, some drivers find it helpful to zigzag across the road (this is where the plenty of space is useful).

Remember, just because you drove through a snowfall or a storm once or twice a year, it doesn’t make you infallible. Driving conditions can turn the safest of drivers into a wreck, literally.

Drive safely

Kevin

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The benefits of Shiply.com

The last few weeks I have exchanged messages with Robert Matthams from Shiply.com and he has agreed to answer a few of my questions and tell us more about shiply.com and how it came about.

Introducing Robert….

I am a business graduate from The University of Manchester and first had the idea whilst back in my student days.  I was having a pool table delivered to me and whilst the driver was offloading it, I got chatting and learned that he was travelling back to London empty.  Looking into the issue more, I learnt that 25% of lorries on Britain’s roads run empty.  Seeing the huge environmental issue, I set about creating a solution.  Shiply has been live since June 2008.

And the Business…

Shiply.com  aims to provide a secure, objective and trustworthy marketplace.  Our aim is to reduce the number of wasted trips we see every day on Britain’s roads.  We offer couriers a quick, easy and barrier-free way to source work for routes they are already travelling and the return or “backloads”

Shiply’s customers….

Generally, the types of consumers that use Shiply are those that are pretty comfortable with using the internet or “web-savvy”.  People who like to use eBay, facebook and such like.  We have kept things nice and simple with Shiply, so it should cater to all markets.  In terms of goods moved, we have seen literally anything and everything listed in the marketplace.  There are a great deal of eBay items, furniture, fragile goods and office equipment that need delivering.  Car Transport and other vehicle transport is also proving very popular.  There are also larger more commercial loads including pallets and full truckloads of goods.  Businesses customers are becoming more and more interested in how Shiply can help them.

In terms of the other side of the marketplace, our transport providers, we see a huge array of different types of companies.  Everything from one man and his van right up to international haulage firms operating hundreds of vehicles.  Unlike a traditional “freight exchange” we don’t charge our transport providers a sign up fee or monthly subscription, instead we only charge a commission on jobs they actually secure.  This win-win proposition is proving very popular, especially given the economic climate where we all need to keep our overheads to an absolute minimum.

Whats the key competancies that make shiply.com different?

Our core competencies are technology-based, we are not couriers or haulage companies, none of us here have a background in the industry.  I feel this has actually worked well for us, it allowed us to take an objective view looking into the industry and through our market research, talking to hauliers and acting on their feedback I feel we have created something of real benefit to the industry as a whole.
We’ve created innovative search algorithms for finding shipment along routes and an entirely web-based transport marketplace which is very effective.  This is where our key competencies lie.

We live in challenging times now…

Biggest Challenges – From a personal perspective I spent about 8 months with no salary whatsoever when starting Shiply, money was tight and combine that with 12-14 hour work days 6 days a week and naturally you start to feel down.  Happily things are moving forward now, hard work does pay off, it just takes a lot of it!

Collaboration?

I’d have to say a transport company who helped us in the early days, was one of our best collaborations. We could throw ideas at them and they would get back to us with quick and helpful responses.

And the future? what’s on the horizon?

We’ve got a new search engine coming out which will make finding shipments easier for the service providers, it has some really neat tools. We’re also looking to accept contract work, whereby we can match businesses up with hauliers for ongoing work rather than simply one-off shipments. There are lots more, but you will have to wait and see for those…

Thanks Robert, much appreciated  – it’s a fascinating insight into a modern, greener business.

Sarah

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Uninsured motoring losses…

I have a fleet client with about a hundred vehicles but they are always getting into bumps, usually quite minor but every time they have to stump up for a £500.00 excess and some hire“ seemingly about twice a month and thats just not the non-fault claims.

Now with the benefit of no cost fleet management, frequently the other drivers insurers will pay the excess and a credit hire company will provide a car or van just like yours at no cost -where their driver is not to blame “ which can leave about £1000.00 of cashflow where it should be in your bank account!

If your driver or any employee/passenger is injured, first you want to ensure that they are fit to go back to work as soon as possible. Early treatment such as physiotherapy is usually the best option and in non-fault cases, this can often be provided at no cost to the person injured.

You probably imagine that any wages paid whilst they are off work can be reclaimed from the at-fault drivers insurers. Not necessarily correct! To achieve this, you may need a change in the contract of employment to provide for it. Otherwise, at the time of the accident, seek legal advice as to how to recoup this cost.

If liability for the accident is disputed, you need a legal team who are expert in road traffic accidents and who may be able to negotiate a sensible settlement without the need for court proceedings.

You may have the benefit of legal expenses insurance but it is wise to find out who actually deals with your claim and whether they will hamper your choice of solicitor if it is necessary for one to be involved.

Accidents will always happen so make sure you are minimising the costs.

If you need advice about your fleet, please e-mail me from my website below.

Chris Lodge
Kaslers Solicitors
If you need After Accident Assistance following a Road Accident in the UK, we can help – <a href=”mailto:cml@kaslers.co.uk?subject=”Ref: Kevin Arrow”>Email direct with as much info as you can by clicking here</a>

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