Accident advice. - Page 2

HarryM1BYT · 6th September 2016, 17:15

One of those times when a working car cam's video might have proven to be invaluable, other wise its their word against yours. It is though much more likely that he would have pulled in too early - not seeing you, than you would pull out with him slightly ahead of you in your full vision.

macafee2 · 6th September 2016, 17:50

Quote:

Originally Posted by HarryM1BYT

One of those times when a working car cam's video might have proven to be invaluable, other wise its their word against yours. It is though much more likely that he would have pulled in too early - not seeing you, than you would pull out with him slightly ahead of you in your full vision.

As the impact was on rear off side, I think you are wrong Harry.
The landie owner could turn round and say the op pulled out in front of him, the damage would support that claim but the landie has in fact drifted into the off side rear of the op

macafee2

Avulon · 6th September 2016, 18:38

Whether the police are bothered or not - and they won't be unless there is serious physical injury - report the incident to the police and always suspect the other driver of being drunk or under the influence

. That will get an incident number for the insurance company, although the police are unlikely to do much else without witnesses which they won't bother to seek out. Remember that nothing is obvious to any third party (e.g. insurer/solicitor) looking into an accident so spell every tiny detail out precisely and as clear as you can then sit back and be prepared to settle 50/50 anyway.

One other thing unless absolutely necessary don't under any circumstance claim against your own insurance. Once you do then it's them that will attempt to recover damages from the third party and they are much more likely to settle for a 50/50 than you will and this can affect your premiums later. Claim from the third party insurer directly (or through your legal support).

Good luck.

HarryM1BYT · 6th September 2016, 18:52

Quote:

Originally Posted by macafee2

As the impact was on rear off side, I think you are wrong Harry.
The landie owner could turn round and say the op pulled out in front of him, the damage would support that claim but the landie has in fact drifted into the off side rear of the op

macafee2

Oh, right - I read it as he hit the OP's front wing..

lathbury · 9th September 2016, 20:11

Thanks everyone for all the advice and posts. My damage is on the o/s rear wing, bumper and wheel. I have front and rear cameras, NAUGHTY WORD-NAUGHTY WORD-NAUGHTY WORD-'s law, the rear camera started working as we were pulling after exchanging details, the front camera file shows we were in lane one in a straight line. As he drifted into my lane my car can be seen lurching to the n/side and then me stopping. His insurance have said they will repair my car free of charge and give me a courtesy car. It is being picked up on Tuesday to go to Manchester to be assessed. John.

wullie480 · 9th September 2016, 21:22

Sounds like the driver has admitted liability which is good however be careful the insurance don't declare your car beyond economical repair.
Why couldn't they asses the car at your home?

lathbury · 9th September 2016, 21:27

I don't know, this is my first accident in 53 years driving, so I haven't a clue how these things work. I have heard there is a possibility that they will write my car off because of the rear suspension being damaged. John.

wullie480 · 9th September 2016, 21:34

Quote:

Originally Posted by lathbury

I don't know, this is my first accident in 53 years driving, so I haven't a clue how these things work. I have heard there is a possibility that they will write my car off because of the rear suspension being damaged. John.

Re reading your posts the rear quarter, bumper & wheel are damaged along with possible suspension damaged. I suspect that's what will happen it doesn't take much to have these declared as a total loss.
Take all personal belongings out the car before it goes as you may not get a chance to as if they declare it a total loss it'll be quickly removed from the repair place to a scrapyard no doubt.

lathbury · 9th September 2016, 22:55

It's still my car, can't I stop them scrapping it?. The car is mine, I must have some opinion. I have a walnut steering wheel, a Navall 2 fitted, a recently fitted ubp, a week old battery fitted. Any advice please?. Thanks, John.

James.uk · 10th September 2016, 02:20

Your "legal cover" are in fact your insurers legal reps, in the advent of a claim they will act in your insurers best interest..... And that may not be in yours..

I was told this by my insurers legal dept (by email)... Makes you wonder why you pay extra for legal cover eh.......

...

6th September 2016, 17:15	#11
HarryM1BYT This is my second home 75 Contemporary SE Mk II 2004 Man. Sal. CDTi 135ps, FBH on red diesel, WinCE6 DD Join Date: May 2010 Location: Leeds Posts: 17,273 Thanks: 2,160 Thanked 2,061 Times in 1,586 Posts	One of those times when a working car cam's video might have proven to be invaluable, other wise its their word against yours. It is though much more likely that he would have pulled in too early - not seeing you, than you would pull out with him slightly ahead of you in your full vision. __________________ Harry How To's and items I offer for free, or just to cover the cost of my expenses... http://www.the75andztclub.co.uk/foru...40#post1764540 Fix a poor handbrake; DIY ABS diagnostic unit; Loan of the spanner needed to change the CDT belts; free OBD diagnostics +MAF; Correct Bosch MAF cheap; DVB-T install in an ex-hi-line system; DD install with a HK amp; FBH servicing. I've taken a vow of poverty. To annoy me, send money.

6th September 2016, 18:38	#13
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	Whether the police are bothered or not - and they won't be unless there is serious physical injury - report the incident to the police and always suspect the other driver of being drunk or under the influence . That will get an incident number for the insurance company, although the police are unlikely to do much else without witnesses which they won't bother to seek out. Remember that nothing is obvious to any third party (e.g. insurer/solicitor) looking into an accident so spell every tiny detail out precisely and as clear as you can then sit back and be prepared to settle 50/50 anyway. One other thing unless absolutely necessary don't under any circumstance claim against your own insurance. Once you do then it's them that will attempt to recover damages from the third party and they are much more likely to settle for a 50/50 than you will and this can affect your premiums later. Claim from the third party insurer directly (or through your legal support). Good luck. __________________ 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

9th September 2016, 21:22	#16
wullie480 This is my second home 1 Join Date: Dec 2010 Location: Banned Posts: 5,195 Thanks: 528 Thanked 1,022 Times in 786 Posts	Sounds like the driver has admitted liability which is good however be careful the insurance don't declare your car beyond economical repair. Why couldn't they asses the car at your home? __________________ [SIGPIC][/SIGPIC]

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9th September 2016, 20:11	#15
lathbury Posted a thing or two 75 Conn S.E. Cdt. Join Date: May 2007 Location: Merseyside Posts: 1,803 Thanks: 1,873 Thanked 52 Times in 49 Posts	Thanks everyone for all the advice and posts. My damage is on the o/s rear wing, bumper and wheel. I have front and rear cameras, NAUGHTY WORD-NAUGHTY WORD-NAUGHTY WORD-'s law, the rear camera started working as we were pulling after exchanging details, the front camera file shows we were in lane one in a straight line. As he drifted into my lane my car can be seen lurching to the n/side and then me stopping. His insurance have said they will repair my car free of charge and give me a courtesy car. It is being picked up on Tuesday to go to Manchester to be assessed. John.

9th September 2016, 21:27	#17
lathbury Posted a thing or two 75 Conn S.E. Cdt. Join Date: May 2007 Location: Merseyside Posts: 1,803 Thanks: 1,873 Thanked 52 Times in 49 Posts	I don't know, this is my first accident in 53 years driving, so I haven't a clue how these things work. I have heard there is a possibility that they will write my car off because of the rear suspension being damaged. John.

9th September 2016, 22:55	#19
lathbury Posted a thing or two 75 Conn S.E. Cdt. Join Date: May 2007 Location: Merseyside Posts: 1,803 Thanks: 1,873 Thanked 52 Times in 49 Posts	It's still my car, can't I stop them scrapping it?. The car is mine, I must have some opinion. I have a walnut steering wheel, a Navall 2 fitted, a recently fitted ubp, a week old battery fitted. Any advice please?. Thanks, John.

10th September 2016, 02:20	#20
James.uk Passed Away 2002 Pale Blue. Rover 75 CDTi Connoisseur auto. 170K miles Join Date: Dec 2008 Location: Near the M67. Posts: 14,509 Thanks: 199 Thanked 585 Times in 397 Posts	Your "legal cover" are in fact your insurers legal reps, in the advent of a claim they will act in your insurers best interest..... And that may not be in yours.. I was told this by my insurers legal dept (by email)... Makes you wonder why you pay extra for legal cover eh....... ...