Just written my car off

[butterfly child]

IHB, if she makes a claim to her insurance company, and gives them your details, there's a pretty high chance your insurance company will get involved.

Typical dad thing to say "don't get the insurance co involved"

They will decide between them who was at fault, so no point in arguing on here about it.

 

[butterfly child]

IHB, if the other driver claims on her insurance policy for the damage to her car, they will contact you, and expect you to either forward the letter to your insurers - or they will expect you to provide them with your insurance details. It's been a LONG time since I worked in motor claims, but generally, they like to deal with other insurance companies, and not direct with other involved parties.

They will decide between them who is at fault, so I shouldn't pay much attention to anything anyone else says. As for stuff like admitting responsibility at the scene of an accident, they don't tend to take any notice of that - because people often say things that aren't right when they've been involved in an accident.

@ your dads comments about not involving the insurance.. typical dad thing to say!

 

[trashpony]

Please, quote me.

Then quote me where i was shown any bloody evidence.

Then just for shits and giggles can you quote the post where god came down and gave me the formula for room temperature superconductor because i seem to have lost it.

I expect better thought out posts from you.

Evidence = IHB's word. Generally a witness statement is considered evidence. You've changed your post to caveat what you wrote since I quoted it. This is what you originally wrote

it's one situation where it's pretty bloody obvious that ihb was not at fault

I was merely saying that none of us know what happened and to make pronouncements on the cause of an accident based on a couple of posts on a messageboard is a bit foolhardy. I accept that you since revised what you wrote and so you and I were talking at cross-purposes to some extent.

I have no idea how semiconductors come into things.

 

[nonamenopackdrill]

IHB, if the other driver claims on her insurance policy for the damage to her car, they will contact you, and expect you to either forward the letter to your insurers - or they will expect you to provide them with your insurance details. It's been a LONG time since I worked in motor claims, but generally, they like to deal with other insurance companies, and not direct with other involved parties.

They will decide between them who is at fault, so I shouldn't pay much attention to anything anyone else says. As for stuff like admitting responsibility at the scene of an accident, they don't tend to take any notice of that - because people often say things that aren't right when they've been involved in an accident.

@ your dads comments about not involving the insurance.. typical dad thing to say!

You're so right, but I find it funny that we got the summary then the long version!

 

[Addy]

looks like we have a forum full of experts with only one (noob) driver with the actuall recolection and witness to events.
Accident - lucky - learn from mistakes - take on chin - etc

 

[Bob_the_lost]

<what's the point?>

 

[phildwyer]

You've changed your post to caveat what you wrote since I quoted it.

You wot? Caveat's a noun not a verb innit? Last I heard, like.

 

[lyra_k]

Unfortunately sometimes you get helpful passer-bys who feel it is their civic duty to make a statement to the police

/voice of experience

I absolutely love civic-minded passers-by, they once saved my bacon when a mad old granny pulled out right in front of me on a roundabout, then claimed that I had "appeared out of nowhere" (yeah, I must've been doing all of 20mph) like some kind of angel of destruction. Thanks to them it didn't screw up my no-claims...without witnesses it would have been my word against hers.

 

[i_hate_beckham]

I was merely saying that none of us know what happened and to make pronouncements on the cause of an accident based on a couple of posts on a messageboard is a bit foolhardy.

Really? You seemed to have judged me at fault for one motorway speeding incident which according to you made the harbinger of death on the roads. I said i took the corner wide and hit her but after an expert witness (you know like they have in court, doesn't need to see the event but knows what they are talking about) said all proof says it wasnt my fault is wrong it seems you not having seen my car, or the site is entirly correct.

All hail trashpony god of all things tarmac.

 

[i_hate_beckham]

 

[RaverDrew]

Ooh, nasty

nice car shame

 

[i_hate_beckham]

Ooh, nasty

nice car shame

Yeah, i'm gonna miss her.

Still main thing is everyone involved is ok.

That and the damage clearly shows I wasnt doing 900mph like trashpony thinks i was

 

[pk]

 

[i_hate_beckham]

Rectal bleeding is funnier than you.

 

[subversplat]

Well at least you've got insurance and didn't have to flee the scene with your tail on fire like some people I know have had to!

 

[trashpony]

Yeah, i'm gonna miss her.

Still main thing is everyone involved is ok.

That and the damage clearly shows I wasnt doing 900mph like trashpony thinks i was

Nothing you've ever said gives me the impression you're a very sensible driver. You originally said you'd hit her. Now you've changed your story because your mechanic said he reckons you were hit. I don't care how fast you were going, if you can't tell the difference between you hitting a stationary object and being hit by something else, you sound like a bit of a fuckwit behind the wheel.

 

[trashpony]

Really? You seemed to have judged me at fault for one motorway speeding incident which according to you made the harbinger of death on the roads. I said i took the corner wide and hit her but after an expert witness (you know like they have in court, doesn't need to see the event but knows what they are talking about) said all proof says it wasnt my fault is wrong it seems you not having seen my car, or the site is entirly correct.

All hail trashpony god of all things tarmac.

Is your mechanic an expert witness? Blimey! I wonder if he'd stand up in court and be 100% when he hasn't even seen the other vehicle.

How did you get damage on the offside anyway? From what you said, it sounded like she was coming out of a side junction?

 

[detective-boy]

If yer Pa doesn't want to get the insurance company involved it's not going to cost you in the future.

It is unless you are willing to commit a criminal offence and fail to disclose the accident when applying for insurance.

It is a common misconception that "Have you have any accidents or claims" ONLY means those reported to insurers. It DOESN'T. It includes ALL accidents.

And you are now more likely to be caught out as insurers exchange information amongst themselves and, as you are obliged to provide any other party with your details and those of your insurers (whether or not you want them to deal with the matter) the chances are another insurance company has the information to prove you are making a false declaration.

 

[detective-boy]

Was silly, i wasnt speeding or going to fast for the conditions just went a bit wide.

Word to the wise: Don't use this as an explanation - going a "bit wide" and having a collision is (if deliberate) evidence of reckless or, at best, careless driving and (if not deliberate) evidence of careless driving or, at best, driving without reasonable consideration for others. All of which = lots of points.

 

[detective-boy]

It's been a LONG time since I worked in motor claims, but generally, they like to deal with other insurance companies, and not direct with other involved parties.

Mainly so that they can agree between themselves that it's 50:50 or 75:25 or something, so that it counts as a "claim" settlement against BOTH parties and BOTH sets of insurers get to ramp up their client's premiums as a result!

Hurrah! Trebles all round ...

 

[trashpony]

Mainly so that they can agree between themselves that it's 50:50 or 75:25 or something, so that it counts as a "claim" settlement against BOTH parties and BOTH sets of insurers get to ramp up their client's premiums as a result!

Hurrah! Trebles all round ...

Worst case scenario is if you are hit by someone who is insured by the same insurance company as you are. My sister had her parked car ploughed into and virtually written off by a woman who was drunk and she had to threaten them with all sorts before they would repair the car - the insurance co wanted to give them under a grand to buy a replacement.

 

[phildwyer]

The photo clearly shows you were hit from the side.

 

[bigbry]

Its quite easy not to know, because i wasnt watching her every move, i was watching the road, and strangely i go with the mechanics opinion on the matter of her driving into me rather than yours or juice terry's who havent seen my car, the crash site or fuck all else yet seems to be experts on my crash suddenly.

Course you were watchin the road - you're a 'new' driver.

Watched a prog on TV a while back which had a special camera watching a drivers eyes and where he was looking - the 'new' driver (only a few months expereince) watched the road itself most of the time and rarely looked at side turnings, pavement, etc. , the driver with several years experience was looking left and right and the road ahead in equal amounts but his eyes were constantly 'flicking' leftand right at pavements and side turnings , looking for problems before they arose.

 

[Bob_the_lost]

Course you were watchin the road - you're a 'new' driver.

At least 6 months of experience is a new driver?

 

[phildwyer]

At least 6 months of experience is a new driver?

I'd say anything under a year.

 

[subversplat]

I'd say you were a "new" driver for about three years, tbh.

There's no shame in it.

 

[butterfly child]

You're so right, but I find it funny that we got the summary then the long version!

Er, I know

Bloody computer was hanging forever, so I hit the back key and re-did it...

Didn't look afterwards, did I

 

[butterfly child]

Mainly so that they can agree between themselves that it's 50:50 or 75:25 or something, so that it counts as a "claim" settlement against BOTH parties and BOTH sets of insurers get to ramp up their client's premiums as a result!

Hurrah! Trebles all round ...

Hmm... I'm not old and cynical (well, not old) so I would say it has more to do with the fact it's less problematic dealing with other insurance companies.

 

[detective-boy]

Hmm... I'm not old and cynical (well, not old) so I would say it has more to do with the fact it's less problematic dealing with other insurance companies.

Yeah, cos they don't do inconvenient things ... like insist that they are NOT at all at fault and that they will NOT accept 50:50 settlement. I've taken two such cases off my insurers and dealt with them myself (and won both).

 

[noodles]

And you are now more likely to be caught out as insurers exchange information amongst themselves and, as you are obliged to provide any other party with your details and those of your insurers (whether or not you want them to deal with the matter) the chances are another insurance company has the information to prove you are making a false declaration.

Innit. I work in insurance - if I had a pound for every time an undisclosed claim was discovered from the Claims Underwriting Exchange I'd be an incredibly rich man. Insurers are even using voice stress analysis to weed out the bullshitters these days.