Hi depressed dad, I’ve offered a payment plan to admiral & they have now asked to see mortgage statements, bank statements etc .. legally do I have to send that?I didn't know about the 40mg prosecution threshold. Makes it an even more bitter pill to swallow.
The Drink and Drug clause doesn't require a conviction, you just need to be over the 35mg limit.
I guess they will focus on the higher reading too at 39mg.
Admiral must surely have settled the third party claim by now. They have to under the road traffic act.
Presumably they've not asked you to pay for anything yet and you haven't been asked to sign the indemnity form.
I don't know if they can have cancelled your policy. Technically no cover is provided under the policy. Unless they told you they cancelled the policy you won't have to declare it to future insurers. Take care to answer the questions truthfully.
It's been over three years since the accident and I am not aware of any other case where they haven't already started pursuit within a few months.
You can never tell with Admiral what they will do next but I would sit tight and wait. They have 6 years from the date of the accident to take you to a civil court. You're at least half way through that.