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Police vehicle examiner John Snow said the rear offside wheel-bearing had collapsed after being over-tightened.He said: 'This was a relatively simple mistake by an inexperienced person.' The police have decided to take no action against Mr Pye, who apologised to Rachael's family at the inquest.

Translation, the physician is required to purchase tail coverage or will be in violation of the hospital by-laws.Physician’s now have choice when historically choice didn’t exist.These insurance carriers also offer physicians multiple tail coverage options, including purchasing lower limits of liability, purchasing limited term tail coverage versus the standard unlimited term.Mr Pye, 21, was driving his girlfriend Emily King, Miss Veale and two other female medical students from Exeter to Truro when the crash happened on the A38 dual carriageway at Plympton, an inquest was told.The shocked driver told police at the scene: 'I changed the wheel. I don't know what I could have done wrong.' Miss Veale, a student at the Peninsula Medical School in Exeter, was a keen sportswoman who won a volunteering award for teaching children to swim near her home in Seaford, East Sussex.

Without an extended reporting endorsement or stand-alone tail policy in place there would be no coverage for this or any other claim(s) asserted after the expiration date of the prior policy.