Following an insurance company's failure to send me any reminders that my renewal had not been done, leading me to think it had automatically renewed as it had with previous insurers, I found myself the centre of an head hunt, following a rear-end-shunt I was involved in. I was suspicous about the circumstances and reactions of the other driver, which led me to believe that I had been involved in a whiplash scam, I entered a pleas of not guilty to driving without due care and attention. My suspicions I still feel were warranted and there was more than enough evidence to prove I was right. Hence, I fought against the police, motor insurance bureau, compensation solicitors, cps and courts but to no avail. Probably because the other driver was an off duty police officer, who failed to disclose her profession until 8 months later, when called to give evidence at magistrates court.
Following the shocking revelation of her occupation to the courts opposite the station where she worked, the hearing was adjourned and transferred to another court, as the clerk felt I may think I had not had a fair hearing. The clerk was very helpful and polite towards me, which was a breath of fresh air after being the centre of a head hunt for 8 long months by impartial colleagues of the other driver, injuries solicitors, the MIB, etc. The fact that she did turn out to be a police officer, who worked in traffic police, covering the area where the accident happened, made her driving that day even more suspicious, without the fact that the old vehicle she drove had no break lights.
I had heard nothing from the motor insurance bureau since October 2009, the last correspondence being a letter stating that they were looking into my complaint of how they had acquired my signature unlawfully, so that they could settle the compensation claim for the other driver. I recently started to receive letters from a debt collection company for a record £13,137.00, who have been instructed to recover this amount of injuries compensation paid out to the third party, even though the issues I raised in relation to the way I was tricked by the MIB, who led me to believe that they were going to investigate the accident properly, in order to gain my signature, so that they could plead me liable and pay out, regardless of the blatant lies that was submitted from the third party as evidence.
I had complained on 2 occasions in writing about the blatant impartiality of the investigating police officers, to no avail, prior to finding out that the other driver was herself a police officer working for the borough I was complaining to.
I believe that, if this had been looked into properly following my complaints, the police system would reveal that I was looked up on the police system prior to the accident by the secret off duty officer, when planning her crash-for-cash scam.
The driver of the other vehicle gave 2 totally different accounts of the same accident, which was ignored. Her statement was nothing more than an invoice, which was an attempt to extort the maximum possible compensation pay out.
Her lies were accepted by the court and due to the attitude and opinions of people in general towards uninsured, I had no chance of proving my innocence. However, the serious crime of endangering life, perjury, with malicious intent to extort was completely ignored.
I have had back problems since the accident. I was bombarded with letters from all directions, with nowhere to turn for support or guidance. I received a total of £1,400.00 in fines from Magistrates Court, which included an extra £300 costs due to the case being remitted as a trial rather than a hearing following the main witness not revealing her profession and I am now expected to a pay £13,137.00 back to the MIB and all for a minor accident that was not my fault.
For the people who read this and are of the opinion it is my own fault for not being insured. Apart from the fact we are all human and capable of mistakes, this particular mistake being more my insurance company’s mistake than mine, I would like to state that, if I pay this money back, then I have provided my own insurance and still accumulated points on my licence, as well as a significant fine. Obviously I don’t have any intention of paying the third party a penny for endangering my life, while using her power of position for financial gain. However, I am a mere Medical Secretary, on a frozen wage, who is expected to go to work for the rest of her life to pay for an afternoon of dramatic acting from someone who should be in jail.
Insured or uninsured, this should have been investigated properly and perhaps this devious public servant would have been dealt with appropriately.