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Car accident

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Hi, I was involved in a car accident yesterday night, which was my fault (couldn't see properly coming out of a junction) I took full responsibility obviously, and we exchanged details, however, a f… Read More
ShambiAndrex Avatar
10m, 5d agoPosted 10 months, 5 days ago
Hi,
I was involved in a car accident yesterday night, which was my fault (couldn't see properly coming out of a junction) I took full responsibility obviously, and we exchanged details, however, a few pedestrians and the driver of the other car said a lorry was parked illegally on the road, too close to the junction or something, the lorry driver in under a minute left so couldn't take any pictures or anything. Is it worth contacting the lorry company to try and find the lorry, not sure how it would help for the claim but a pedestrian suggested it.

Thanks!
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ShambiAndrex Avatar
10m, 5d agoPosted 10 months, 5 days ago
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Responses/page:
#1
still your fault nothing you can do
#2
you shouldn't admit liability at the roadside. it's not for you to make that decision
#3
DennisG
you shouldn't admit liability at the roadside. it's not for you to make that decision



100%.
This isn't an issue between drivers.
#4
the lorry driver made you crash? lol
#5
elliott1982
the lorry driver made you crash? lol

He never said that, he said lack of visibility made him crash. the OP does not elaborate on whether the lack of visibility was caused by the potentially illegally parked lorry.

You can get all this info first hand if you just scroll up a wee bit.

oh and lol
#6
If "a few pedestrians and the driver of the other car said a lorry was parked illegally on the road" then it's up to your insurance company to investigate with ALL the details (including witness details and HGV company name) and resolve your claim.

You don't need to investigate anything just provide accurate details as much as possible for the insurers - the more you provide the better the outcome

That said it's a drivers responsibility to exit a junction in a safe manner whether a vehicle is illegally parked or not - I doubt the insurer of said HGV company will accept liability.
#7
No.
#8
If you couldn't see to pull out of a junction (for what ever reason) you should not have pulled out, you're lucky it was another car and not a motor cycle.
#9
Doesn't matter if the lorry was illegally parked or not you still drove your vehicle into a situation you could see without giving yourself appropriate time to react should another vehicle happen to be there.

Additionally you've already broken the gold rule of any accident which is admitting fault.
#10
Stationary vehicle is never the one at fault. You could have used your brakes oO
#11
Without photographic evidence there's no case and you are one of the decent folk who tried to put others minds at ease by admitting liability rather than act smug and claim it was due to the negligence of others
Too many on this site act angelic but if put in similar situation act stupidly

Just put it down to bad luck, send your ins all the details and move on- life's hard enough!
#12
Thanks for the replies, yeah I thought it wouldn't matter if the HGV driver was parked illegally or not but just wanted to make sure, also not sure if its a silly question, but whats wrong with taking responsibility? First time this sort of things happened so not too sure about it.

Edited By: ShambiAndrex on Aug 22, 2016 14:55
#13
ShambiAndrex
Thanks for the replies, yeah I thought it wouldn't matter if the HGV driver was parked illegally or not but just wanted to make sure, also not sure if its a silly question, but whats wrong with taking responsibility? First time this sort of things happened so not too sure about it.

Yes Im suprised with all this 'dont admit liability'.
If at fault I would admit it too
No point giving either insurance or other party the runaround.
Just keep it simple and true - surely you will sleep better
#14
Sandy1012
ShambiAndrex
Thanks for the replies, yeah I thought it wouldn't matter if the HGV driver was parked illegally or not but just wanted to make sure, also not sure if its a silly question, but whats wrong with taking responsibility? First time this sort of things happened so not too sure about it.
Yes Im suprised with all this 'dont admit liability'.
If at fault I would admit it too
No point giving either insurance or other party the runaround.
Just keep it simple and true - surely you will sleep better

Thats what I thought too, it was obvious it was my fault, and this just makes things easier for everyone.
#15
ShambiAndrex
Sandy1012
ShambiAndrex
Thanks for the replies, yeah I thought it wouldn't matter if the HGV driver was parked illegally or not but just wanted to make sure, also not sure if its a silly question, but whats wrong with taking responsibility? First time this sort of things happened so not too sure about it.
Yes Im suprised with all this 'dont admit liability'.
If at fault I would admit it too
No point giving either insurance or other party the runaround.
Just keep it simple and true - surely you will sleep better
Thats what I thought too, it was obvious it was my fault, and this just makes things easier for everyone.

Except your insurance company, whose case (if they had one) is now entirely compromised.

The way I see it at least, is that it's not your money (at least directly... in the long run it is probable that you will end up paying your insurance company back for it in the form of increased premiums). You're not going to be giving £ to the other driver, nor is the truck driver going to give you any, or however it works out. It's a settlement between two or more insurance companies - your role is basically as a witness, to accurately describe what happened, not a judge. By admitting your fault - which may not always be accurate in every case as the rules for determining insurance fault are often different from common sense fault - you are basically forcing your insurance company to pay up. By all means tell your insurance company what happened in every detail, but it's not really up to you to 'give up' on their behalf to other parties.
#16
I hope you're ok and that no one was hurt.

Hopefully your insurance company will help sort everything out for you.
#17
ShambiAndrex
Thanks for the replies, yeah I thought it wouldn't matter if the HGV driver was parked illegally or not but just wanted to make sure, also not sure if its a silly question, but whats wrong with taking responsibility? First time this sort of things happened so not too sure about it.



Because, it's legally nothing to do with you.
#18
good to see the votes down as usual for correctly point out pieces, at an accident you should not admit fault it is actually part of your insurance terms and conditions and is not something that has just been added either :(

Your text here

Edited By: eslick on Aug 22, 2016 17:59: z
#19
eslick
good to see the votes down as usual for correctly point out pieces, at an accident you should not admit fault it is actually part of your insurance terms and conditions and is not something that has just been added either :(

Your text here



was going to point out the same.

to the OP don't tell your insurance company you admitted fault, will likely cause them to cancel your claim.
#20
sounds like you mucked up and are looking for someone else to blame! Man up fella!
#21
adamsxi
sounds like you mucked up and are looking for someone else to blame! Man up fella!
That's mean, not many own up to their mistakes these days. Even if we shouldn't I think most People do pull out even if visibility is bad (for example a lorry parked in the way.) Or are you perfect and you wait for the vehicles parked in the way to move?
#22
To confirm, did YOU see the lorry in question....?

Your first post infers you didn't..?

IF you did see the lorry, in what way did it affect the accident...?

IF you didn't see the lorry, then whether it was parked illegally or not wouldn't have made any difference...?
#23
Seconded do not inform your insurance you admitted liability at the scene, they could cancel your claim and leave you holding the can if you do. Its one of those terms that is easily found in your policy documentation (under what should I do if I have a accident). They will cover the third parties costs but they could leave you with yours.
[mod]#24
Argoj
Seconded do not inform your insurance you admitted liability at the scene, they could cancel your claim and leave you holding the can if you do. Its one of those terms that is easily found in your policy documentation (under what should I do if I have a accident). They will cover the third parties costs but they could leave you with yours.

Second this. Most Insurance companies won't cover you should you remove their opportunity to mitigate the loss. Hindsight now, but it's always a good idea to know your policy inside out, because you can bet when it's time to claim, the insurance company will be looking at every exclusion and term to see if your claim can be repudiated.
#25
Very Interesting I had no idea about that, I'v learnt something
Probably even if liablility was admitted at the time, that the admission is unprovable by other party - unless of course you tell insurance that you admitted it (which I now know would be the wrong thing to do)
#26
Sandy1012
Very Interesting I had no idea about that, I'v learnt something
Probably even if liablility was admitted at the time, that the admission is unprovable by other party - unless of course you tell insurance that you admitted it (which I now know would be the wrong thing to do)

Well in this instance there are witnesses (the pedestrians who talked to OP/the other driver about the illegally parked lorry) so it depends on whether they provide statements that include OP admitting full responsibility for the accident.
#27
msmyth
Argoj
Seconded do not inform your insurance you admitted liability at the scene, they could cancel your claim and leave you holding the can if you do. Its one of those terms that is easily found in your policy documentation (under what should I do if I have a accident). They will cover the third parties costs but they could leave you with yours.
Second this. Most Insurance companies won't cover you should you remove their opportunity to mitigate the loss. Hindsight now, but it's always a good idea to know your policy inside out, because you can bet when it's time to claim, the insurance company will be looking at every exclusion and term to see if your claim can be repudiated.
this is a load of rubbish ,the FCA would have a field day if an insurance company tried to not pay out because a driver admitted fault at the scene of an accident .It would also not make any difference to how a claim was settled what was said at the roadside ,the insurance company make the liability decisions not the drivers
#28
ShambiAndrex
Thanks for the replies, yeah I thought it wouldn't matter if the HGV driver was parked illegally or not but just wanted to make sure, also not sure if its a silly question, but whats wrong with taking responsibility? First time this sort of things happened so not too sure about it.


because you may think you're at fault but the other driver could have done something to cause the accident unknown to you. ie they could have been drunk or under the influence or they may have been speeding etc. no harm in saying sorry but don't ever sign anything saying it's your fault! had a man try and bully my sister inlaw into signing a paper saying it was her fault for an accident (which it was hands down and she'd apologised profusely) but the insurance terms clearly state do not admit fault.

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