Ad blocker detected: Our website is made possible by displaying online advertisements to our visitors. Please consider supporting us by disabling your ad blocker on our website.
First off, my cars a write off as far as the insurence company is concerned.. maybe i could repair it from salvage .. dont know yet.
Er also.. direct line [her insurence company] has decided it was not her fault and it was infact my fault for driving on my correct side of the road.. interesting argument.
This is now passed onto a company who are taking legal action etc. so i just have to supply as much evidence as i can and wait - bad news as this will take around 3-12 months to sort out no doubt which means im car less + im skint at mo..
nice way to start a friday morning
Last edited by fd. on Fri Mar 12, 2004 3:49 pm, edited 1 time in total.
I can't see that as being a write off, unless there is some sort of damage that can't be seen, o I am going blind..
Im sure you could pick up a wing, lights, bonnet for under £100 Looking at the pics thats all I can see damaged?? but there must be more as they are saying its a write-off.
I had a crash with a Bus, has been going on for 2 years now, so it can take some time.
If I was you, I would wait for the engineer to assess, then fix it.
I cant believe they are trying to pin this on you! It is pathetic. Hope you can get it sort out fairly quick. I suppose theres no chance of a courtesy car as its still under investigation?
Bob.
Sounds like they are trying it on. They just want you to take 50/50 rather than all her fault. Would be cheaper for them in the long run. Classic case. They will have to give in, in the end as she was on your side of the road. End of story. Stick with it, and hire a car, and send them the bill
madhaggis wrote:I cant believe they are trying to pin this on you! It is pathetic. Hope you can get it sort out fairly quick. I suppose theres no chance of a courtesy car as its still under investigation? Bob.
About 2.5 years ago my mum got hit by a delivery Van....
Phoned up this company and you pay £10 and get a Courtesy car for as long as it take to sort out. even at the end of it if it's proven your fault they claim from your insurance company so you only loose your £10.
My aunt did the same thing last year and still has the car now!! a good 18months later on - considering she crashed a G reg ford escort -and teh courtesy car is a new Corsa she's well chuffed!!
I'm not sure if you have to be fully comp or not.. Ring ur insurers and expalin that you NEED your car. what can they do for you after you have paid £XXX number of Notes....
HTH
Andy
1995 - 214 - SEi - Gone - but missed
2006 Focus ST 3 - 2.5ltr 5 cylinder turbo.
Im with tesco as therd party fire and theft - they wont do anything for me untill its been sorted, i have tried a company called 'DAM!' but again they cant do anything as its still in dispute.
If anyone knows any companies doing that 10 quid deal pleaseeeee gimie their number lol.. i am desperate for a car even if its a crap hole.
Im skint at mo and the best thing of all.. my alloys wheels were on buy now pay 6 months and guess what ! its 6 months end of this month.
I would suggest editing your top post as some comments could be read by anyone, especially people who may have a vested interest in your insurance claim!
Direct Line were my insurance company when a guy in a 205 Gti decided not to stop at a round about. I found them to be very unhelpful and it took nearly 12 months for me to get my hire car costs back. Strangly enough as soon as my policy was up for renewal I didn't renew with them.
Just my 2p
Clare
Rover 25 1.4IL, ZR Body Kit, ZR Half Leather interior Lowered on coilovers 310mm brakes, Wilwood calipers
Plus Rover 220 Turbo Coupe I T Gearbox rebuilds Click Here
To be fair Direct Line were very helpful when an old guy reversed into my mums car. They sorted the car, and we had a hire car for a couple of weeks. They claimed the money back off the other guys insurance and we had no hassle.
The only thing that was odd was when they got is to photocopy my lisence and send them a copy to prove I'd passed my test. God knows why, I wasn't even in the car at the time.
Insurance companies expect you to Bend Over And Take It Up The Rear And Say Thank You May I Please Have Another Whilst Smiling Politely Scum Bags all of them...
Fight it i've been waiting 16 months for Churchill to sort out a claim and I don't use Churchill it's the 3rd parties company...
Fight it all the way M8...
Do worry to much. This is pretty common practice. Insurance companies generally under no circumstances except liabilty. In fact its a stipulation in some policies that you should never except liability. Your car is considired a write off because at o.e part cost and workshop labour it exceeds 75% of the cars trade value. You can argue against this I know a few people that have done it successfully. The only plus side is as you are only covered by 3rd party cover, it will be more than likely beconsidired a 3rd part write off. This wont be recorded and you keep the car regardless. If you're successful(iam personally pretty confident in the long term you will be) you will keep the car plus you will be paid the value of the car minus the salvage value.
Audi B6 S4 Avant
Rover 221 coupe turbo 255.5bhp & 256.1lbs/ft (in the garage)
Rover 214 Mk3 Turbo Conversion (in bits)
Rover 416 GSi (in the garden)
Had a soliciter ring me a bit earlier, took all the details of what happened etc etc. should be getting some sort of form sent that i have to fill in. Im quite confident that i can win this as to be honest she really doessnt have anything in her favour.. its just the time these things take to sort out that gets to me
Unless you have an independant witness, it's difficult for insurance companies to be (remotely remember) sure of all the circumstances.
She may have reported that she was passing the Truck and was already fully committed and you just kept on coming..... travelling too fast ... 'right of way' ... whatever ... your word against hers......
In the absence of independant witnesses, Insurance companies will almost automatically call your bluff and ask if you're prepared to go to court about it. If, and it's always a BIG if, you're certain that you are in no way at least partly to blame for the incident, then accept their challenge and be prepared to go to court with a well prepared account. That MAY just put the ball back in their court and they then tell her that you're prepared to take it further. She may then change her tune! Fact is, nobody is ever responsible for motoring accidents ... everyone's a good driver! Arnt they...
Over the years of driving, I've several times witnesed car accidents. Where I can clearly see one driver is solely to blame (usually there is some blame on both sides) I ALWAYS stop and provide my contact details the the party I feel is innocent. This saves lots of hassle later for the innocent parties and there's another bonus, the really guilty get the hasle... los of bonus ... poor accident record, maybe even a few points on licence.
Over those same years, I've had the p155 taken out of me by work colleagues and others when I've told them about this. That's the problem.... nuffink to do with me mate and my poxy insurance has gorn up again .... I wonder why....
Hands up all those who've ever witnesed an accident and stopped to assist or provide details to the innocent party?
Just as I thought ... nobody ....I'm alright m8 ... nuffink to do wiv me .... Oh but it IS! That in a nutshell is why these incidents are such a pain for the genuinely innocent!!!!!
Usual insurance company crap. Happened many years ago when the driver of a Vauxhall Astra who had just passed his driving test thought he would go out for a blast with 5 of his mates in the pouring rain. We were in my Mini back then, i was a few months away from my 17th and the car was all ready for then,(Mum was driving) to cut a long story short we were approaching a junction when this Tw*t came hairing round the corner at about 40mph (it should be about 15-20) lost it and understeered onto OUR side of the road. The damage on his car was to the passenger front door, sill, window smashed, quite bad really, my Mini was a little worse for wear with a damaged wing on the PASSENGER side, headlight, inner wing panel, grille, front panel etc.
There were skidmarks to prove he had lost control and came onto OUR side of the road, yet a few weeks later we recieved a letter from his insurance company claiming we were straddling the white line, in effect on HIS side of the road and it was US that drove into him. Had that been the case why was my car not damaged on the driver's side They tried on the 50/50 fault business and we wasn't having any of it (we were 3rd party T&T.
Basically stick to your guns, do not accept any liability and fight it till the end. Claim for whiplash whilst your at it, everyone else does, it will work out in the end, it did for us, we got back £400 for the car and bought it back, the car lived, i got it done for my birthday and that was that..
I gave my details to someone that got hit by a teeeewwwaaaaaattt that went through a red light almost knocking somone over then slammed into the car in the junction.
It was some little scrote that had just past his test and was out showing off to his mates.
If I remeber it was a Nova he was driving.
This was about 10 years ago now.
Do it these days and you get your house petrol bombed!
well maybe not but you've got to be careful.
A fatal happened right in front of me once, thing was, I could see it coming and had already reached for my phone before it happened. Old geezer in a **old car** overtaking an unloaded 40ft flatbed up a hill, speed limit was 60, single carriageway, so 50 for the HGV. We were moving at 50, but I guess it was too slow for him.
Pulls alongside the trailer, gets maybe level with the back axles then sits there, runs out of go I reckon. Anyway, he sat there for at least 10 seconds so I drop back, crest was nearing, then pick up phone. At the crest a Montego estate came the other way and dived left, if the **old car** had moved closer to the lorry all would have been OK but it didn't, it dived right, so the monty went right. What I saw shocked me. It was a passenger front (1/4) impact on both cars, combined speed maybe 80MPH. They both lifted up in the air, did a 90 degree pirro then landed on opposite sides of the road in the fields adjacent.
I can't say on a public forum what I was gonna do, in any case it was too late. I found a crumpled mess in the **old car**, no-one in the driving seat, sitting in the footwell instead, head trapped under the steering wheel. The car was on fire, I walked.
Live animals had been carried in the back and some had survived, others had their insides splattered all around the inside of the car.
The Monty faired better, only it had a baby in it too, so one screaming mother and the grandmother. I say the mother did a fine job of driving that day, damn shame there was complete waster going the other way. Passenger was stuck in place, dash down on knees. Got the child and mother out and sat em in my car.
To this day that still haunts me, I no longer cane it approaching blind rises..... I actually slow down.
To top it all my wife had that day purchased duck-down pillows, when I went ot go to bed that night that damn smell was back, till she swapped em back..........
It all ended at an inquest where I told this story, I made damn sure they would all understand what a complete ******* the guy was, even after I had heard his age (well in excess of 80).................... death by reckless driving.
Scott - who now allows for tarts coming the other way.
FD. You see I live near you, wanna PM me with the road this happened on? I'm just curious TBH:)
---------------------------------------------------
03' Rover 45 2.0TD - Silver with heated seats:)
Sounds nasty ScottC, can't imagine what it would be like to of witnessed that.
I had a bus go into the side of me that pulled out of a junction, I went flying up the kerb and onto the pavement. Was quite scary, anyways, now whenever I come to side roads and there is a car there, i always slow down and am ready on the brakes
But obviously thats nothing compared to your situation, top bloke for helping the people out, some would of not known what to do, some would of done nothing.....
MGJohn wrote:Hands up all those who've ever witnesed an accident and stopped to assist or provide details to the innocent party?
<puts hand up>
Me sir! A couple of times.
People are so corrupt nowadays. No-one shows any empathy and it is empathy that distinguishes us from animals.
I have had two fault accidents. Both I accepted liability and my company car insurance sorted it out. Both I could have contested as being not clear cut as they weren't entirely my fault but I admitted liability because I felt I should have avoided them.
Swnt frpm my iphonr
Punx0r wrote:S&M always comes immediately to mind.
MGJohn wrote: Hands up all those who've ever witnesed an accident and stopped to assist or provide details to the innocent party?
Hey .... mucho respect due here ..... good for all you who have stopped to assist in serious RTAs. When I wrote the above I really had in mind those annoying shunts where nobody is really hurt but their pride ... and cars.
Always suspected it, now I know ... touch of real class runs deep within the very fibres of your average Rover driver. Sadly, not true of all types ...
Do it these days and you get your house petrol bombed!
Yes, sad but true - the damage is already done... what has brought about this? I could say why, but, it's not PC apparently.
Talking to my son about these things recently, I told him that when I was a lad, I could park my pushbike ANYWHERE in the city and it would still be there in a month's time. Park it anywhere now and it will be gone in seconds.
I no longer cane it approaching blind rises..... I actually slow down.
now whenever I come to side roads and there is a car there, i always slow down and am ready on the brakes
Scott - who now allows for tarts coming the other way.
Those are all examples of learning by experience. It's also defensive driving - it does not mean and should not be confused with slow driving. Defensive driving can be taught, but, as is usually the case, experience is the best teacher..... it really is.
There are obviously still a good few people about who really care about these things. Not only that, when the occasion arises, they're prepared to do something about it. A sign of true class... like people who drive Rovers .... and MGs..... all the rest ... mainly posers...
MGJohn wrote:Those are all examples of learning by experience. It's also defensive driving - it does not mean and should not be confused with slow driving. Defensive driving can be taught, but, as is usually the case, experience is the best teacher..... it really is.
Unfortunately not every one learns by experience. I've found that all to often people rarely analyse theres & others mishaps. You can tell when someone drives defensivley. They rarely get cut up or moan about other drivers...as they've usually anticpated there actions.
Audi B6 S4 Avant
Rover 221 coupe turbo 255.5bhp & 256.1lbs/ft (in the garage)
Rover 214 Mk3 Turbo Conversion (in bits)
Rover 416 GSi (in the garden)
that caused it had been driving like a 
