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It is total clowns like this that push my Insurance premium up. Just as an afterthought the Golf is fitted for seat belts for up to 5 people, therefore is means 4 others were not wearing them. If there is a claim for injury by the passengers who were not belted in, would the Insurance pay out? If so, why?

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I think by law the insurers must pay out to third parties, so all but the idiot driver. Surely alcohol or drugs would be involved here ? It's quite frightening that we have arseholes like this on our roads.

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