While it took a while this was obviously coming. Have you discussed it with your solicitor?Several letters passed through our lawyer but the final letter in 2003 stated that the claim was paid and they would be looking for reimbursement.
...
Just recently in 2008, I got the land of my life after all these years demanding reimbursement from both my father and I.
There probably is a statute of limitations on such issues but c. 5 years is a relatively short period in the greater scheme of things I would have thought?It was such a long time ago I assumed that the claim was paid out of the Motor Insurance Bureau of Ireland. I dont own my own home and wouldnt have the funds at all to pay this. Also I had never heard anything from the Insurance legal department or solicitor since Febuary 2003. Is there not a time limit where they can pursue this claim?
What has your own solicitor said about these facts?At the time of the accident I believed I was covered as the policy stated that a full licence was required and I had a full drivers licence from North America. Surely my licence was suffice as it did not state that it had to be a full Irish Driving Licence? Since then the Insurance Company does now state that a full Irish Licence is required. The fact that they made this change in the policy are they not now closing a loophole that they overlooked?
If that's most or all of what he said then...My own solicitor said he was surprised after all this time.
... to another/better solicitor I presume?Where do I go from here and I really would appreciate your opinion or advice on this.
Just curious - why do you say that?everything will be fine.
My fathers insurance policy stated a Full driving licence was required to drive the car. I had a full driving licence from North America. I was already driving for five years.
My policy covers any driver who drives my car who has a full license. The cover for such a driver is 3rd party.Were YOU insured to drive the car? In Ireland, it is usually the driver(s) named on the insurance documents (who have licenses) who are the only people insured, NOT any person who has a full license. I understand that in some other countries around the world, it is the car that is insured, but in Ireland it is usually the driver(s). Whether or not you have a full license is irrelevant if you are not named on the policy.
You drove the car on a US licence but did you ever have an (full) Irish one?Yes I do still have the policy document......to quote
Description of Drivers
a The Insured
b Any person between the ages of 25 and 71 years inclusive who is driving on the Insured's order or with his consent provided such person holds or has held a Licence (other that an provisional Licence) to drive
c Any person specified by endorsement in the schedule of events.
I also spoke too my solicitor who is going to go over all documents and policy and get back to me. He also said that they could issue legal proceedings against me. What options could I have?
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