Cameron v Hussain [2017] EWCA Civ 366
The Court of Appeal recently ruled that some victims of
hit and run incidents can avoid the disadvantages of presenting a claim under
the Untraced Drivers Agreement 2003 by seeking leave from the court for
permission join the untraced driver as an unnamed defendant, identified by a
suitable description.
In Cameron v Hussain the claimant sought leave to pursue a
civil action describe the unnamed defendant driver thus: 'The person unknown driving vehicle registration number Y598 SPS who
collided with vehicle registration number KG03 ZIZ on 26th May 2013.’ A majority held that the Civil Procedure
Rules did not prevent this. However,
unless the vehicle and its insurers have been identified, it seems highly
unlikely that a court would exercise its discretion to grant such an order
since it would most probably result in an unrecoverable judgment and so offend
the overriding objective as well as waste precious court time and resources.
Accordingly, where the vehicle responsible for the injury or
loss can be identified and an insurer is on risk for that vehicle, a claim can
proceed against an unnamed driver to judgment, making the vehicle’s insurers
statutorily liable to meet the judgment under section 151(5) Road Traffic Act
1988. The fact that the unidentified
driver may not have been an authorised driver, is irrelevant for these purposes
since s151(2) (b) Road Traffic Act 1988 nullifies the effect of any authorised
use policy restriction or exclusion in this context.
Lady Justice Gloster's judgment provides a helpful analysis of the legislative aim of Part VI Road Traffic Act 1988 that imposes the compulsory third party motor insurance obligation.
Anyone seeking to contend that full compliance with the more generous level of cover mandated under EC Directive (2009/103/EC) on motor insurance is not possible to deliver through an EU law consistent construction (on the basis that this would go against the grain of Parliament's legislative intent) is advised to read paragraphs 41 to 43.
