Login

u/Valuable_Champion492

r/TeachingUK r/boating r/antkeeping r/LegalAdviceUK
Car crash last week – wife wasn’t insured, police seized the car, skid marks show other driver crossed centre line. Need advice on liability & write‑off. England
▲ 138 r/LegalAdviceUK

Car crash last week – wife wasn’t insured, police seized the car, skid marks show other driver crossed centre line. Need advice on liability & write‑off. England

Hi all,
Looking for some advice on a crash that happened last week involving my wife and our 1‑year‑old.

My wife was driving our MG on a 3 lane roundabout with a central crossing when a white Toyota came towards her, crossed over the centre line, and hit her front/side. There are clear skid marks on the road that match the Toyota’s tyre width, and they run directly across the centre divide onto my wife’s side. The angle of the marks also matches the angle the Toyota ended up in after the impact.

There were no witnesses (they all drove off).Diagram

The other driver admitted fault at the scene but later changed her story with her insurer. LV (their insurer) said they are “still making enquiries.”

My issue is this:
I genuinely thought my wife was insured to drive the MG, but she wasn’t. The police seized the car at the scene. We fully accept she will get 6 points and a £300 fine for driving uninsured — no argument there.

What I’m trying to understand is the insurance side:

  • Does the skid‑mark evidence and lane intrusion usually carry weight in liability decisions?
  • If liability ends up shared, what does that mean in practice?
  • The MG is worth around £5,000, but the settlement figure on the finance is £10,000. If it’s written off, how does that work?
  • Will the insurer still deal with the damage claim even though my wife wasn’t insured?
  • Do you think the car is likely to be written off based on the front/side impact and police seizure?

Just trying to get my head around what happens next. It’s been a stressful week and I’m worried about the financial side.

Any advice appreciated.

u/Valuable_Champion492 — 4 days ago
▲ 2 r/boating

3.3m SIB vs Aqua Marina Aircat 3.35 — what do owners actually prefer?

Hey all,

​

I’m getting back into boating and I’m stuck between two setups:

​

- 3.3m SIB (inflatable keel, air deck)

- Aqua Marina Aircat 3.35

​

I’ve owned a YAM380S with a 15hp Mariner before, but it was way too heavy for me and my tiny Peugeot 107. This time I’m going lighter — probably a 6hp. ( I had a 4 stroke 10 hp mariner before and it was so heavy lifting wise(

​

Before I buy anything, I’d love to hear from actual owners:

​

- Which one feels better on the water?

- Which one is easier to pack, carry, and launch?

- How do they compare for stability (dogs onboard)?

- Does the Aircat really plane easier with a small engine?

- Which one handles chop better?

- Any regrets with either setup?

​

My use case is:

​

- 80% rivers/canals

- 20% coastal

- Want to fly when solo

- Want stability with 2 people + dogs

- Must fit in a Peugeot 107

- Must be manageable to lift alone

​

Would love to hear your experiences, good or bad. Cheers

reddit.com
u/Valuable_Champion492 — 4 months ago
▲ 12 r/TeachingUK

How do you work with a HoD who seems threatened by initiative but also doesn’t want the job?

I’m a secondary teacher and I’m struggling with my relationship with my Head of Department. I’m not naming the school or anyone involved, but I’d really appreciate some outside perspective.The issue isn’t one big incident — it’s the pattern.I’m a KS3 lead, so I try to take initiative and set things up that meet the criteria and make learning engaging. I genuinely enjoy putting in 110% and creating things that are fun, well‑designed, and high quality.But every time I do something proactive, the response is unpredictable:

​

​

Sometimes I’m told it’s “too much” or “too detailed” and I should have done something basic instead.Other times I’m told I should have checked with them first.When I do try to check in, I get told “this meeting isn’t about that” or “we’ll talk later”, and then later I’m told I should have raised it sooner.If I CC them into parent emails, they question why.If I don’t CC them, they question why I didn’t.It feels like the rules change depending on the day, and I never know what the “right” thing is. I’m constantly second‑guessing myself.I’m not being shouted at or anything dramatic, but the inconsistency and micromanagement are really affecting me. I’ve started getting migraines and nausea after certain conversations because I feel like I’m walking on eggshells.Has anyone else dealt with a manager like this?

How did you protect your wellbeing and set boundaries without making things worse?

reddit.com
u/Valuable_Champion492 — 4 months ago