My father is telling me the same thing although his just trying to help me stop worrying about this. His been very supportive and caring, which is all that matters. Glad his around to help me. Though a good lesson learnt for next time, thanks again for the help. I'll just keep my head up and see what happens.

I can confirm by father paid for the MOT and TAX and his name is on the V5 documents. Neither of us have any sort of convictions before or related accidents. Been just readig this: I guess Insurance companies will have access to everything.

Thanks for the reply unclebulgaria67. I guess I'm over-reacting. Really appreciate the advice and will take on aboard everything you mentioned. One more question, how can they suspect fronting?

Yeas. Father is the main driver and I'm the second driver. Both under the same Insurance but the car is also registered under his name too.

I'm in desperate help here folks. Been literally worried to death about this. Had an accident some time last month. The car infront took an emergency brake and I failed to stop. The car infront only had some minor scratches which probably cost £30-40 to repair where as ines was totalled, 15 year old banger. The car is in my fathers name and I'm the second driver, rarely use it. However I'm scared my insurance may be void due to fronting. I didn't claim liability yet or on the day. The other person is claiming some sort of injury but her car was alright just some minor issues on the bumper. I'm afraid I may end of in debt £15-20k if the company voids the insurance and I'll be liable to pay even though her car was fine and she walked out uninjuried. I've read a few threads and get a feeling I may be liable for the liability rather than the insurance company. Any advise on what I should prepare myself, got the letter form the solicitor. I need to be prepared for the worst. Is it possible to declare bankruptcy, I can't afford to have my parents in debt because of this. They are both on minimum wages and have worked hard all their lives. I'm prepared to have a crap credit report etc; Thanks for any responses.