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  1. Your last post is correct. I was responding to...

    Your last post is correct.

    I was responding to post #5, which gave incorrect advice, apparently under the impression that the OP had been sent a NIP and the matter was still with the courts.
  2. This is a civil matter, not criminal. There...

    This is a civil matter, not criminal.

    There was never a requirement to name the driver, nor to admit guilt. Expressing remorse at this stage is pointless - the process is now complete, expect for...
  3. Hi Rob See above. Unless someone has a better...

    Hi Rob

    See above. Unless someone has a better idea, I think the best advice is probably to pay before any more charges accrue.
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    He isn't correct. I wasn't there either, but I...

    He isn't correct. I wasn't there either, but I can read the mayor's own words from his press release:

    "Proposals include

    - 3,500 for up to 70,000 polluting London van and minibus drivers to...
  5. OK. An accident is defined in the Road Traffic...

    OK. An accident is defined in the Road Traffic Act 1988 section 170(1).

    What is an incident? Where is it defined? How would I know one if I saw it?

    Or is its use (as I suspect) just an...
  6. Perhaps by policemen, but not in the law. ...

    Perhaps by policemen, but not in the law.

    Fortunately, the laws are still made by parliament and interpreted by an independent judiciary - in spite of the best efforts of some politicians and the...
  7. Pulling out from a parked position might well be...

    Pulling out from a parked position might well be evidence of careless or dangerous driving, but AFAIK it isn't an offence in itself.

    And the law recognises accidents, but not "incidents".
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    Smudger, sorry if I've got the wrong end of the...

    Smudger, sorry if I've got the wrong end of the stick, but from what you've said they have indeed hit you with a hefty increase.
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    Hi Shawn How would anyone know you hadn't been...

    Hi Shawn

    How would anyone know you hadn't been driving?
  10. Not if you've read the Highway Code.

    Not if you've read the Highway Code.
  11. Note my words "by her own admission". I don't...

    Note my words "by her own admission". I don't expect that admission reached the insurers.
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    Smudger, that's an 18% increase! What would it...

    Smudger, that's an 18% increase!

    What would it need to be to qualify as a "big" hike?
  13. I would fancy 50/50 if the lady stands by her...

    I would fancy 50/50 if the lady stands by her admission of her speed and inattention. But that's a very big 'IF'.
  14. I suspect you're right. You said earlier "I asked...

    I suspect you're right. You said earlier "I asked her how fast she feels she was going to which she replied 'about 30?'."

    That is the answer you would expect from someone who was aware they were...
  15. The other driver cannot be blameless since, by...

    The other driver cannot be blameless since, by her own admission, she wasn't looking. She also estimated her speed as 30, which is excessive for a residential road.

    Whether she will repeat any of...
  16. I'd suggest fault on both sides. On the one...

    I'd suggest fault on both sides.

    On the one hand, the (admitted) excessive speed and inattention. On the other, you were parked on the wrong side of the road (HC Rule 239)..
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    Admiral are almost the only car insurer to make...

    Admiral are almost the only car insurer to make any worthwhile underwriting profit, which suggests that they have got it right.
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    100 these days.

    100 these days.
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    More likely you failed due to the answers!

    More likely you failed due to the answers!
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    ... or careless, or inconsiderate.

    ... or careless, or inconsiderate.
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    Quite so. And in the "good" old days we made no...

    Quite so. And in the "good" old days we made no concessions for those who couldn't see or hear, so long as the rest of us were OK.
  22. Flat?

    Flat?
  23. There is no such verdict as 'not morally guilty'!...

    There is no such verdict as 'not morally guilty'!

    AFAIK the only defence to driving without insurance applies when you are driving as part of your employment, which isn't the case here.

    What...
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    That would be foolish. Bribery of a witness can...

    That would be foolish. Bribery of a witness can lead to prison - hardly worth it for a car park prang..
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    I grew up in the Highlands so I understand the...

    I grew up in the Highlands so I understand the question, but I'm now somewhat remote from all that in the soft South.

    My Australian friends tell me that if you want rugged, offroad and reliable...
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