The Car Wasn’t Mine And I Was Insured

Question:

I HAVE FULL INSURANCE ON MY OWN CAR , BUT I WAS DRIVING MY DADS CAR WHICH WAS MINE ONCE AND THE CAR WAS STILL REGISTERED TO MY NAME.

MY DAD HAD FORGOTTEN TO CHANGE IT BACK TO HIS OWN, AND TODAY I WAS DRIVING IT THINKING ITS OKAY BECAUSE AM FULL INSURED ON MY OWN CAR AND I DIDN’T KNOW THAT THE CAR IS STILL ON MY OWN NAME.

I GOT STOPPED BY AN OFFICER AND GOT TOLD THAT IT IS AN OFFENSE TO DRIVING A CAR THAT IS ON YOUR NAME BUT YOUR DAD IS INSURED ON IT AND YOU ARE NOT THAT’S WHY THEY HAVE SEIZED MY DADS CAR FOR DRIVING WITHOUT INSURANCE.

I CAN’T DO ANYTHING ABOUT IT, I DIDN’T KNOW THE CAR IS STILL ON MY OWN NAME AND I THOUGHT I HAVE FULL INSURANCE ON MY OWN CAR AND ITS OKAY TO DRIVE MY DADS CAR FOR A DAY. BUT THEN FOUND OUT BY THE OFFICER THAT THE CAR IS STILL ON MY OWN NAME AND I CAN’T DRIVE IT WITHOUT ME BEING INSURED ON IT.

WHAT WILL HAPPEN? WILL I GET POINTS? WILL I LOSE MY LICENCE? I ONLY HAVE IT FOR FEW WEEKS. IT’S A MISUNDERSTANDING IT WAS A MISTAKE THAT IT WAS ON MY NAME.

WHAT CAN I DO NOW? THE OFFICER TOLD ME THAT I WILL GET A COURT LETTER AND MIGHT GET 6 POINT AND LOSE MY LICENCE BUT I DIDN’T KNOW THAT THE CAR IS STILL ON MY NAME.

WHAT CAN I DO ? I NEED SOME ADVICE ON WHAT TO DO ?

DO I NEED A SOLICITOR TO GO TO COURT?

WILL I LOSE MY LICENSE FOR A MISTAKE?

AM FULL INSURED ON MY OWN CAR.

BUT THE OFFICER SAID THAT I HAVE TO PROVE THAT THE CAR IS ON MY DADS NAME BUT ITS ON MY NAME STILL WHEN IT SHOULD OF BEEN CHANGED TO MY DADS, CAN I DO ANYTHING ABOUT THAT?

CAN I GET SOME ADVICE FOR HOW TO DEAL WITH THE PROBLEM?

Paula Says:

I’m afraid that you are at risk of losing your licence and if you get convicted you will get 6 points and your licence will be revoked by the DVLA.

You have a defence if you can show that the car belonged to your father. You will need a statement from your father to that effect.

The registered keeper details are not proof of ownership so if your dad is able to say that the car belongs to him you will have a defence. If this doesn’t work then you may have a special reasons argument to avoid the points. If all else fails you can try and persuade the court to impose a short discretionary ban rather than the points.

I help almost 90% of my new driver clients avoid revocation and I will be happy to assist you further with this matter.

When did the incident happen? Have you got a court summons through yet? You cannot accept the fixed penalty if one has been offered this will lead to your licence being revoked without you having a chance to defend yourself.