October gave me one last kick in the ribs when I backed out of our drive only to end up in the side of a neighbour's car as she hurtled past. Only the car didn't belong to her, it belongs to her friend, a mobility car (don't get me started on that subejct!) as well, and apparently she doesn't have a licence. And she kept insisting on giving her friend's name rather than her own (6 years as neighbours and I don't know her name says it all really.) Through other neighbours it is passed on the info about her non-existant licence and well-known reckless driving. Which I guess makes sense if she never sat a licence!
First accident I have ever had and it grinds at me that I have to be made liable because I was reversing. Never mind the fact that there was no way she could have missed seeing me move out of the drive, never mind that she sped past in an effort to get by me despite the fact I was fully out of the drive and...ah what the hell, it doesn't matter. It happened and that is that and at a time when I have been squeezed financially to the point of extinction so the excess is an unwelcome burden.
One thing after another, after another, after another.
So I duly tell my insurance company that I do not have the driver's name but only that of the car owner, I give them all the information I have and they don't seem really bothered. I guess I was wrong in thinking you weren't supposed to drive without insurance or licence.