Insurance claim Advise needed

Ravinder · 29th March 2017, 08:32

Hi

Is there anyone I can please talk to regarding an accident claim? I've been involved in an accident for the first time ever. I wasn't at fault but need some expert advise. Many thanks.

vacuman · 29th March 2017, 09:05

Whatever happens you have to accept now that this will cost you. If it's just you time you will be lucky.

Hope you have plenty of witnesses and there's no doubt of who's at fault. A couple of years ago my misses was pulling into a bay at a Dunelm's car park. Halfway in the woman in the Corsa to her left opened her driver's door. My wife's Megane hit the edge of the door and bent it and the A piller. The Corsa had to be towed away, our car was virtually unmarked; just a deep scuff on the plastic bumper.

The Corsa owner admitted verbally it was her fault and we were happy to swap insurance details.

It then took nearly two years of legal effort before the case was closed as the woman changed her story and said she was sat in the car with the door open as it was a warm day and that my wife had driven into the bay at speed and without looking. Initially we were told that the best outcome would now be 50:50 as it was her word against my wife's. A few months later we received a letter to say the case was now closed and it was deemed that it was my wife at fault. No option to appeal

lady zed · 29th March 2017, 10:12

Yip you need witnesses. Someone drove into me in 2010, 100% her fault but it went down as a 50/50 as there were no witnesses.

scottish_don · 29th March 2017, 10:41

First step is admit to nothing even if you are at fault.

Report it to your insurance company giving them full details.

Avulon · 29th March 2017, 10:56

Witnesses are definitely a must and the one thing that you need to get at the time of the accident name/address/phone number or even just registration of other vehicles that stop and are possible witnesses (the drivers that is): Are there any CCTV cameras that might have recorded the event? get on to them quick before the tapes are overwritten and get a copy.
Second:don't claim on your insurance, period. Doesn't matter if you are fully comp - that's not what fully comp insurance is for (it's for when you crash on your own and it's your fault). Of course fully comp will cover you but not really any faster than the other person's insurance (provided they have some). Claim directly from the other driver's insurance. Yes you do have to inform your insurance co. Make it clear that this is a report only (as they no doubt will require) and a not a claim. Keep posession of your vehicle - have it recovered to safe place under your control (prefer your own home driveway/garage). Insist on independant damage assessors. And under no circumstance talk to any 'claims handling' companies!

Keep a written log of everything that happens from hereon -names, dates, times what was said if not written down, all correspondence and email with anything remotely connected to the accident. If the police attended then request any records they may have (might be none at all - honestly!) including the attending policemans notebook notes (if he bothered to make any: make sure you do have his/her number and operations base).

Third: consider getting your own solicitor to handle it.

P.S all this advice is from recent personal experiences.

On another note, I hope no one was injured - but do make sure to get any pains checked out even if you think that you are ok. (and keep records)

bl52krz · 29th March 2017, 11:14

The first thing is get witnesses before doing anything else.When you have those, if available, take pictures on your phone from numerous angles of the crash scene, very important. Walk back up the road you have just come down for 20/30 yards and take a picture of the crash scene. Ask if anyone is injured, reason being, if they later claim that they are injured, you have the facility to record what they said on your phone. No good them claiming that they had cuts and bruising to their face if there are none on the photos.If they are injured, phone for ambulance,get the police to attend,dont take no for an answer from them,

clf · 29th March 2017, 16:35

Quote:

Originally Posted by lady zed

Sorry for hijacking Rav but that comment about women having too many things on our pretty little minds really annoyed me.

Especially when we all know it was the cyclist's fault anyway

https://youtu.be/JSBd3ORUUE0

sent from my ZT

Best_of_British · 6th April 2017, 11:33

Brothers Y Reg cat C write off. Offered £1000 with £70 buy back recently. Just some figures to compare to yours. 132k miles.

Sent from my GT-I9195 using Tapatalk

stevie04 · 6th April 2017, 12:10

Feel for you Ravinder, I am in the same boat at the moment, insurers have told me my car will be written off without even looking at it yet so will probably buy it back or not claim and fix myself, I have had to hits to my car in the last month, front wing and need a facelift tourer rear bumper (JFM Royal Blue) as cracked and the panel at the bottom of the tailgate, need to wait and see what the other insurer sais as it was no fault on my behalf and agreed by the other drivers. Worse thing is the amount of work done in last year to car its probably now in better shape that some much younger cars on the road.

Martin1972 · 13th April 2017, 22:06

Onwards and upwards, sir.

Sent from my HTC Desire 626 using Tapatalk

29th March 2017, 08:32	#1
Ravinder This is my second home Rover 75 saloon x2, Rover 75 Tourer x2, Rover 220 Coupe Turbo Join Date: Aug 2010 Location: Kirkcaldy, Fife Posts: 9,036 Thanks: 2,278 Thanked 2,852 Times in 1,718 Posts	Insurance claim Advise needed Hi Is there anyone I can please talk to regarding an accident claim? I've been involved in an accident for the first time ever. I wasn't at fault but need some expert advise. Many thanks. __________________ Wanted - Indian bride. Cash waiting. (All sorted - bargain) First name and forum name: Ravinder Rover 75 2.0 CDT Connoisseur SE 116 (160 remap) Royal Blue (JFM) This vehicle was the 50,481st 75 to run off the production line, out of 112,381 This vehicle was the 2,238th 75 CDT Connoisseur SE to be made out of 3,775 This vehicle was the 5,002nd 75 in Royal Blue (code: JFM) to be made out of 14,420 Royal Blue 75s

29th March 2017, 10:12	#3
lady zed This is my second home Rover 75 Saloon Join Date: Nov 2006 Location: On the edge Posts: 6,659 Thanks: 1,354 Thanked 1,210 Times in 716 Posts	Yip you need witnesses. Someone drove into me in 2010, 100% her fault but it went down as a 50/50 as there were no witnesses. __________________ it's all about the first person you want to tell good news to

29th March 2017, 10:41	#4
scottish_don Loves to post None Join Date: Dec 2014 Location: Falkirk Posts: 426 Thanks: 151 Thanked 138 Times in 83 Posts	First step is admit to nothing even if you are at fault. Report it to your insurance company giving them full details. __________________ NONE

29th March 2017, 10:56	#5
Avulon This is my second home 1.8t Tourer Join Date: Oct 2011 Location: Tanelorn Posts: 4,830 Thanks: 956 Thanked 1,148 Times in 916 Posts	Witnesses are definitely a must and the one thing that you need to get at the time of the accident name/address/phone number or even just registration of other vehicles that stop and are possible witnesses (the drivers that is): Are there any CCTV cameras that might have recorded the event? get on to them quick before the tapes are overwritten and get a copy. Second:don't claim on your insurance, period. Doesn't matter if you are fully comp - that's not what fully comp insurance is for (it's for when you crash on your own and it's your fault). Of course fully comp will cover you but not really any faster than the other person's insurance (provided they have some). Claim directly from the other driver's insurance. Yes you do have to inform your insurance co. Make it clear that this is a report only (as they no doubt will require) and a not a claim. Keep posession of your vehicle - have it recovered to safe place under your control (prefer your own home driveway/garage). Insist on independant damage assessors. And under no circumstance talk to any 'claims handling' companies! Keep a written log of everything that happens from hereon -names, dates, times what was said if not written down, all correspondence and email with anything remotely connected to the accident. If the police attended then request any records they may have (might be none at all - honestly!) including the attending policemans notebook notes (if he bothered to make any: make sure you do have his/her number and operations base). Third: consider getting your own solicitor to handle it. P.S all this advice is from recent personal experiences. On another note, I hope no one was injured - but do make sure to get any pains checked out even if you think that you are ok. (and keep records) __________________ Need a T4 ?: T4 Owners Map thanks to Stevestrat ( use at your own risk) Where?: https://en.wikipedia.org/wiki/Tanelorn Mods/Retrofits: PCV vortex 'filter'; bluetooth; inline thermostat; reversing sensors; plenum spyhole ; headlamp washers ; Diy mp3 player replacing CD multichanger; FBH with remote; Headlamp washers; black/chrome front grille, rear blind; Xenon projectors To do: puddle lights; 2 Din cd/nav to fit; boot release button Last edited by Avulon; 29th March 2017 at 11:07..

29th March 2017, 11:14	#6
bl52krz This is my second home Rover 75 cdt club + Rover 2.5 KV6 Conni SE Join Date: May 2008 Location: Birmingham Posts: 11,394 Thanks: 6,587 Thanked 2,262 Times in 1,729 Posts	The first thing is get witnesses before doing anything else.When you have those, if available, take pictures on your phone from numerous angles of the crash scene, very important. Walk back up the road you have just come down for 20/30 yards and take a picture of the crash scene. Ask if anyone is injured, reason being, if they later claim that they are injured, you have the facility to record what they said on your phone. No good them claiming that they had cuts and bruising to their face if there are none on the photos.If they are injured, phone for ambulance,get the police to attend,dont take no for an answer from them, __________________ Great Barr, Birmingham.

29th March 2017, 09:05	#2
vacuman Gets stuck in MG ZT-T Join Date: Feb 2017 Location: St Albans Posts: 855 Thanks: 69 Thanked 236 Times in 172 Posts	Whatever happens you have to accept now that this will cost you. If it's just you time you will be lucky. Hope you have plenty of witnesses and there's no doubt of who's at fault. A couple of years ago my misses was pulling into a bay at a Dunelm's car park. Halfway in the woman in the Corsa to her left opened her driver's door. My wife's Megane hit the edge of the door and bent it and the A piller. The Corsa had to be towed away, our car was virtually unmarked; just a deep scuff on the plastic bumper. The Corsa owner admitted verbally it was her fault and we were happy to swap insurance details. It then took nearly two years of legal effort before the case was closed as the woman changed her story and said she was sat in the car with the door open as it was a warm day and that my wife had driven into the bay at speed and without looking. Initially we were told that the best outcome would now be 50:50 as it was her word against my wife's. A few months later we received a letter to say the case was now closed and it was deemed that it was my wife at fault. No option to appeal

6th April 2017, 11:33	#8
Best_of_British Gets stuck in Rover 75 Tourer & Arden Green Project Join Date: Jul 2012 Location: Ormskirk Posts: 932 Thanks: 159 Thanked 200 Times in 155 Posts	Brothers Y Reg cat C write off. Offered £1000 with £70 buy back recently. Just some figures to compare to yours. 132k miles. Sent from my GT-I9195 using Tapatalk

6th April 2017, 12:10	#9
stevie04 Newbie Rover 75 Connoisseur SE Saloon and Rover 75 Tourer Contemporary SE Join Date: Mar 2014 Location: Strathaven Posts: 27 Thanks: 0 Thanked 3 Times in 2 Posts	Feel for you Ravinder, I am in the same boat at the moment, insurers have told me my car will be written off without even looking at it yet so will probably buy it back or not claim and fix myself, I have had to hits to my car in the last month, front wing and need a facelift tourer rear bumper (JFM Royal Blue) as cracked and the panel at the bottom of the tailgate, need to wait and see what the other insurer sais as it was no fault on my behalf and agreed by the other drivers. Worse thing is the amount of work done in last year to car its probably now in better shape that some much younger cars on the road.

13th April 2017, 22:06	#10
Martin1972 Avid contributor Rover 75 Saloon Join Date: Sep 2015 Location: Burntisland Posts: 201 Thanks: 320 Thanked 61 Times in 28 Posts	Onwards and upwards, sir. Sent from my HTC Desire 626 using Tapatalk