
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.