What happens when a driver is not insured, not licensed and is not at fault?

Zoomzoom

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If you turn in front of oncoming traffic and they hit you, it is almost certainly your fault. Don't see how he can claim it is not. You are absolutely supposed to wait until it is clear and safe to go.
 

Lupus

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That will be very expensive. I don't understand why people still do stupid stuff like this, I don't even like driving without my wallet containing my licence. Bloody hell.
Yup, I've known this to have actually completely ruin a person for a good portion of their lives.
 

Lupus

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If you turn in front of oncoming traffic and they hit you, it is almost certainly your fault. Don't see how he can claim it is not. You are absolutely supposed to wait until it is clear and safe to go.
Doesn't matter, he's unlicensed it's his fault. Even if he was in a bumper bashing and the other person bumped him, it's his fault straight away. Without a license it's always your fault.
 

Craig

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Yup, I've known this to have actually completely ruin a person for a good portion of their lives.
Someone once said the day that you can't afford insurance anymore, is the day you really cannot afford to be without it. Rather have at least 3rd party insurance, I'm sure that's not that expensive.
 

Daruk

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So this happened to my friend:

* Uninsured
* Unlicensed
* Made a car accident (ouch + looool)

So they were in a huge accident involving 3 cars. Two cars insured, friend's isn't. This persons car was a writeoff as a result, been dealt with.

Spoke to bystanders (cause all three drivers are innocent based on their stories) and oncoming car was speeding and bumped into friend. Both robots green, friend felt it was safe to turn and halfway across the road, oncoming car knocks into friend's car and another car. Speed limit of the road is 60km/h and I don't think you can knock 2 cars with one being a writeoff at 60km/h. Don't really care who's fault it is, not my problem.

scolded friend for driving unlicensed and uninsured cause this is a stupid thing to be doing. Like why will you risk this everyday, annnyway.

So the question now is, what's the process for when a person is not insured and unlicensed? Reason I ask, is that the person is probably this way (aside from being irresponsible) because they're unable to pay insurance, so what do insurance companies do? Do they just claim the excess or full damages from such a person? They probably work out a payment plan?

From the bystanders, the car to blame is the oncoming car, but then again being unlicensed counts against you (don't know if it's criminal yet). I guess it's down to how well you argue against the insurer in small claims court?

But yeah, I'll be finding all these things out.
An unlicensed driver is at fault. Driving a car on the road without a license is a crime. Who told you otherwise?
 

bwana

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That will be very expensive. I don't understand why people still do stupid stuff like this, I don't even like driving without my wallet containing my licence. Bloody hell.
I started keeping a license in my sun visor because I keep forgetting my wallet at home. :eek:
 

Lupus

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Someone once said the day that you can't afford insurance anymore, is the day you really cannot afford to be without it. Rather have at least 3rd party insurance, I'm sure that's not that expensive.
I know people who don't have insurance, not even 3rd party. Some of them with expensive cars as well, apparently the saving is worth it. Until they've had an accident. In all my life of driving when I was a student I had third party, after that comprehensive. 3rd party is cheap like R100 or something a month.
 

MightyQuin

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It's simple really:

You cannot be driving un-licensed and un-insured AND be not-at-fault...these terms are mutually exclusive.

So I really hope an example is made of this muppet...
 

Zoomzoom

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Doesn't matter, he's unlicensed it's his fault. Even if he was in a bumper bashing and the other person bumped him, it's his fault straight away. Without a license it's always your fault.
This isn't true. You get a fine or whatever punishment is due for driving without a license, but it does not make you automatically at fault.
 

Nate3268

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If you dont have a drivers license, you were not supposed to be on the road and if you are not on the road you wont cause kak like this.
 

Ares1000101

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Where was the 3rd car? also trying to cross the lane behind or in front of your friend?
yea,nothing counts for your friend. He 'thought' it was safe, lol clearly no thinking took place.

Also, at what speed does it become possible to write off a vehicle? in my mind, its impossible to answer, given all the variables.
 

AdrianH

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To everyone saying the unlicensed driver is at fault or be blamed for accident because they don't have license, you are wrong.

PS: Wife is attorney working in insurance industry doing forensics and specialised claims.
 

Hellhound105

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Am beginning to understand why there are so many accidents on South African roads...
But oh no blame the guys for doing more than 120KM/h.

Let me guess, when I leave work at 5PM this afternoon the R21 is going to be standing still again :mad:
 

Daruk

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To everyone saying the unlicensed driver is at fault or be blamed for accident because they don't have license, you are wrong.

PS: Wife is attorney working in insurance industry doing forensics and specialised claims.
This,
Driving without a license is illegal and they can be fined for that, but the state would have to prove reckless driving on the part of the driver for them to be criminally charged AFAIK. There is also room for a civil suit by others who want to claim their expenses.
 

chewiesw

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Why are you worried? Clearly the rules (laws) don't apply to your friend, if they did he(?) would be licensed and insured.
 

Craig

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I know people who don't have insurance, not even 3rd party. Some of them with expensive cars as well, apparently the saving is worth it. Until they've had an accident. In all my life of driving when I was a student I had third party, after that comprehensive. 3rd party is cheap like R100 or something a month.
That's just dumb. I currently pay R2700 odd a month for insurance, for my car, my wife's and my sister's. My car's cambelt broke recently so it's parked at the mechanic while a save up a bit to repair it, and even in this time, where I can really use the money, I don't take the insurance off. And I've got relatively cheapie cars. And while that money would help a lot now, I would be in deep doodoo financially if something where to happen to any of the cars and it's not insured.

People with expensive cars, sjoe, I wouldn't be able to sleep at night.
 

Craig

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I started keeping a license in my sun visor because I keep forgetting my wallet at home. :eek:
That's a good idea actually, but because my wife sometimes switches cars when she has too little fuel in hers she ended up driving to work with my licence in the car. So now I just keep it in my wallet, which is always on me anyway since I also drive company vehicles during the day.
 

ben M

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Jan 12, 2019
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To everyone saying the unlicensed driver is at fault or be blamed for accident because they don't have license, you are wrong.

PS: Wife is attorney working in insurance industry doing forensics and specialised claims.
Interesting...
But then, I don't see the friend coming out of this.
 
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