I'm sure that this is a familiar situation but it's all new to us so I'd welcome any advice/comments.

I wasn't there but this is what I was told. A relative's Citroen was alongside another car, facing a red light and waiting for it to change. A third car came up from behind, between the first two and collided with both. My relative's car was a write-off, losing a rear wheel in the process but no-one was injured. The third car driver seems to have remarked that he was distracted at the time.

The police attended, breathalysed all concerned with no positive result and left, commenting that there was only property damage. It now seems possible that the third driver was uninsured.

As I understand it, if thie third driver was uninsured, my relative has to buy a replacement car with only the scrap value of the old one to assist him but his next insurance premium will be very costly. I think that there may be a claims management company involved. What are his options. If the third driver does indeed turn out to be uninsured, are the Police at liberty to turn a blind eye to a second obvious motoring offence?