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UK Motorists Face Fines and Insurance Pitfalls as Rain Warnings Persist

Experts urge slower speeds with extra caution in standing water to prevent penalties or rejected claims.

Overview

  • Met Office yellow rain warnings continue across parts of England, Wales and Scotland, with 97 flood warnings and 150 alerts in force on Tuesday evening.
  • Splashing pedestrians can be prosecuted as careless or inconsiderate driving, attracting a £100 fixed penalty and three points or court fines up to £5,000.
  • Swerving to avoid potholes may be deemed driving without due care and attention, with potential fines reaching about £2,500.
  • Insurers may decline claims when motorists knowingly drive through floodwater or continue in severely reduced visibility.
  • Highway Code rules require headlights when visibility is seriously reduced and greater stopping distances in rain, with experts advising slower speeds and careful passes through standing water.