Crash bang wallop advice

[The Moog]

As mentioned the focus got whacked on Wednesday evening.

 

Claim is being handled but got told today that unless the other party admits liability it will just go down as 50/50 claim.

 

No witnesses (well there were but rush hour).

 

Is there anything I can do about it?

 

It means I will lose no claims bonus etc which is quite frustrating.

 

Also my missus insurance company won't insure the xantia for a month temporarily. Since I have started a claim I think my insurance gets cancelled.

 

Is my only course of action a new insurance policy for xantia? Any other way of getting a months insurance without it being horrendously expensive.

[Tickman]

Your insurance does not get cancelled when you make a claim. Phone them and tell them you have got alternative transport and ask what the options are.

Have you done an accident report that details what happened?

What actually happened? Were you going straight on at the mini roundabout?

[Louise2cv]

Do you think it's 50/50?

 

Didn't think so...

Keep arguing.

 

He's hit you from behind/side. How can that be partly your fault.

 

Did you tell them you thought he was distracted/on the phone?

[richardmorris]

Well their side is going to say he should have given way to the traffic approaching from the right. without witnesses....

Is there any cctv about?

[NorfolkNWeigh]

This is why some people always let these dodgy ambulance chasing management * companies deal with any body that hits their car and don't even tell their insurance company.

Your company don't give a toss ,so won't bother to do anything. The ambulance chasers stand to make money from every step, credit hire, investigation,valuation,salvage,personal injury etc etc, so have a vested interest in being tenacious in fighting your (their) corner

People will trot out all the old bollocks about putting everyone's insurance up and that your're a scamming twat if you use one - but it's your choice - lose your no claims and have a fault claim on your history or make a deal with The Devil.

It's not right ,but I think the insurance industry encourage it , probably because they own the Management companies in a lot of cases

[Louise2cv]

But in that case he'd have hit the front of Moog surely? I'd have thought having the back bumper pinged off is quite good evidence that Moog was already on the roundabout.

[Tickman]

Just read what you put in the news 24 thread that you were turning right. 

 

I would kindly inform your insurance that it was entirely his fault and in no circumstances is it a 50/50 as you were 'on the roundabout while he approached and did not give way in the manner that he should according to the highway code.............'

 

As said above, tell them what to do.

 

Good luck and the accident management company might take all the hassle out of it for you!

[The Moog]

No CCTV to cover the accident.

 

No proof that he was on the phone, the fact I highly suspect he was doesn't help. He turned into me and didn't brake even when faced with big red car.

 

I think Mr Norfolk is right. It may be better just to get a hire car and then get them to chase the other company.

 

I am waiting for insurance company to get back to me about whether they can cover the xantia on the same policy.

 

 

Thanks for all the advice. Sometimes it's not that easy to work out what to do

[stephen01]

Have you informed the police? Would they not be compelled to investigate the matter of him being on the phone?

 

It once took my insurance company nearly two years to complete a claim against someone that bumped my PARKED car, apparently it was 50/50, like fuck it was.

 

like wise when my fiat rolled down the road and smacked two other cars I didn't cry over it, it happened, I was insured, no one hurt, my insurance co couldn't get around the fact that no one was driving the car at the time of the accident. I however took it on the chin.

[Eddie Honda]

Beware credit hire. If they can't get the money out of the other party you may end up with a big hire bill.

[purplebargeken]

Police won't give a rat's ass. Take shit-tons of piccies of the roundabout/bit of road, etc, etc. I had this a few years back, some dopey bint hit my stationary car and then tried to make it look like it was me. Her solicitor 'offered 50/50 5 mins before the court hearing. I told him to shove it. We won. Her face was a picture. It was worth it all just for that

[The Moog]

Logged it online and just got a case number. They won't investigate so doesn't really effect things.

 

Agree about car hire. Will be careful.

 

Ended up transferring policy to Xantia. Extra £200 for it for the rest of the year.

 

Engineer is coming out to look at the state of the car. Is it worth telling him about new Lpg pump etc?

[eddyramrod]

That Xantia must have a flag on MIDB or whatever it's called.  My insurer charged me 120 for it.  Now bear in mind this is a worthless 1.9 diesel estate car, to replace a classic 2.0 sports roadster!  Who makes up their figures?

[Lacquer Peel]

Vulgalour complained about expensive insurance as well.

 

I crashed two white Xantias in less than a year, so I'm probably to blame.

[The Moog]

I guess it is £20 a month so not end of the world.

 

£45 change over fee though.

[AlabamaShrimp]

Logged it online and just got a case number. They won't investigate so doesn't really effect things.

 

Agree about car hire. Will be careful.

 

Ended up transferring policy to Xantia. Extra £200 for it for the rest of the year.

 

Engineer is coming out to look at the state of the car. Is it worth telling him about new Lpg pump etc?

Sod that! You have paid them for the insurance and it wasn't your fault. You pay them to investigate and fight* on your behalf.

 

Straight back on the phone complain to everyone you can there and make* them investigate this. You were hit at the back while on a roundabout you could not be at fault.

 

Under no circumstances accept 50/50. I fought for over a year where some tit in a Clio hit the front of my car overtaking standing traffic on a road he soiling have been driving on (buses, taxis and access only). Direct line would not take no for an answer. I won in the end when an independent solicitor got involved.

[Christine]

Of the 3 or 4 minors i've been involved in i have never informed my insurance co .None were my fault , I just ring their insurers, tell them their client's hit me, and what do you want me to do ,and what are you gonna do about it ? "

It's always "how bad? get a quote ! Do you need a replacement ? we'll send a guy out ...! They shit themselves if they think your insurer is gonna screw them.. All have been settled cash in lieu .

[DSdriver]

Does giving way on a roundabout mean giving way to a vehicle already on the roundabout or giving way to the prat approaching the roundabout at 30 or more mph?

I do both but wondered what the law is.

[Craig the Princess]

Don't forget that change over fee is a cost directly as a result of the accident so claim that back too.

It's a lot cheaper for the other insurer than a credit hired Insignia.

[Tickman]

Does giving way on a roundabout mean giving way to a vehicle already on the roundabout or giving way to the prat approaching the roundabout at 30 or more mph?

I do both but wondered what the law is.

You give way to people on the right as per usual, however if someone is already in the junction as Moog was you obviously do not try and drive through them as the road ahead is not clear. Some people believe they matter more and drive into the side of red Ford estates as a matter of principle. 

[eddyramrod]

Or red Toyotas........

[Felly Magic]

The Mrs had something similar to this happen years ago in Leeds, the thing is, she was driving a bus, she was already on the roundabout, and some bint tried to beat the bus, the other party's insurance took ages to cough up the repair details to the solicitor our lass ended up putting on the case, and as soon as they did, it was settled in days as the damage on their vehicle clearly showed they pulled out, and yes it was an 'ambulance chaser' she used

[Mr Lobster]

Had very similar a couple of years back - woman didn't look and changed lanes on a roundabout and straight into me. 100% her fault but without witnesses or CCTV unless the third party admits liability (which they won't) then it'll probably end up as 50/50.

 

Take as many pictures and details as you can but just be aware that it probably won't make a jot of difference.

 

+1 on be very careful of credit hire. 

[lisbon_road]

Plenty of good advice there.

 

My wife recently had an accident, almost inconceivable that it was her fault.  The courtesy car was £2K - I asked for a Fiesta size but she wanted 5 door automatic so they gave us a succession of massively expensive motors.

 

OK, we don't seem to be facing a bill but please note this.  We did get a bill after the event for a scratch on the courtesy car's bumper.  We'll contest it sure - not noted at time of car collection - but be warned.  They're all just sharks.

[andrew e]

I got done for a chip in the windscreen, similarly. As they needed £60 for the repair I suggested I would happily pay when the invoice was presented. Oddly it never arrived. Bastard anti dog/beard outfit Enterprise.

[The Moog]

So surprise surprise the guy has counterclaimed saying I didnt give way.

 

So picture below gives you an idea of layout. I am the blue car, he is the purple and the car infront of him is green.

 

The car infront of the guy indicated at turned down the bottom of the Y so I entered the roundabout, indicating that I was turning right up.

 

He didn't stop at the giveway marking and drove straight on to the roundabout hitting me in the rear quarter. He didnt brake or slow down even when it was obvious there was a big red ford focus estate in front of him.

Sanity check - is there a way they can claim I didnt give way?

 

 

Damage at rear quarter

 

[Louise2cv]

If he's hit your arse end then you must have been on the roundabout first? Surely? For him to have hit your back end with his front end you must have been almost off the roundabout as he was just getting on.

 

Argue more. With pictures.

[Slartibartfast]

but, like, not drawn in felt tip

[The Moog]

but, like, not drawn in felt tip

I was harnessing my inner child  

 

Perhaps I need to improve to a Bucketeer Left handed Drunk Drawing for maximum win. 

 

Cheers Louise - I am just checking that I have a case.. 

[Louise2cv]

I should just add, that is just my outsiders view on the damage/description, I can't see how logically you can hit the back end of a car in the way this other guy describes. I know nowt about how it stands legally or how bothered about this kind of argument insurance companies are.

 

Also the only people I argue with is my fella and my mom, so...

 

However I don't think I'd let this one goif it was me. Not straight away anyway.