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Car accident, help please.

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My son had an accident a few days ago, someone rear-ended him leaving a petrol station. He has been very decent and admitted complete liability and was very concerned the occupants were ok. He is happ…
kingy58 Avatar
7y, 4m agoPosted 7 years, 4 months ago
My son had an accident a few days ago, someone rear-ended him leaving a petrol station. He has been very decent and admitted complete liability and was very concerned the occupants were ok. He is happy to pay for repairs without using insurers, though would go through them if necessary. How should I proceed with this and how can I be sure he will pay for repairs if I get them done. My concern is that the cost of repairs may be more than the cars value and to go through the insurers they would only pay out the minimum.
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kingy58 Avatar
7y, 4m agoPosted 7 years, 4 months ago
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#1
Personally i would not go down that road i would just take it through insurance company if he has one that would be my worry.
#2
Not sure I understand...........

if someone went into the rear of a car as he left a petrol station, how is it his fault?
#3
hopefully she means the other person admitted liability
#4
Any time someone goes into the back of you it's their fault, full stop.

Doesn't matter if you slam the brakes on without warning, it's up to the person behind to make sure they have enough distance and space to be able to stop in an emergency.
#5
How can he admit complete liability if they went into the back of him?

Surely they were too close to the back of his car, leaving them not enough time to react therefore a portion of the blame must be theirs?
#6
I hope you have his name and address. You will need to notify your insurance company in order to get the incident on the book, otherwise if the guy changes his mind and denies everything (this happens quite often) you will then have to go to the insurance company to start the claim again.

The guy has to pay for the repair, irrespective of the age of your son's car. You should write to him to confirm you agreement and do everything from then on by letter or email.
#7
tara1082
Someone rear ended your sons carand he admitted fault? Or the other driver admitted liability.


ClarityofMind
Not sure I understand...........

if someone went into the rear of a car as he left a petrol station, how is it his fault?


Oh dear ladies. (Shakes head in disbelief)
banned#8
kyalion
Oh dear ladies. (Shakes head in disbelief)

[FONT="Century Gothic"][SIZE="2"][COLOR="DarkGreen"][B]
and that's why women shouldn't be allowed to drive - too dense.
[/COLOR][/SIZE][/FONT][/B]
#9
Just go through insurers ,If you dont you could be opening yourself up to all sorts of problems ,
#10
Other driver at fault. Could be dodgy. May not even have insurance!!

Deal through your insurers. Let them get the cash for repairs from the other party.

Take no chances.
#11
kyalion;6843007
Oh dear ladies. (Shakes head in disbelief)


:whistling:

For purposes of insurance and policing, the driver of the car that rear-ends the other car is almost always considered to be at fault due to not being within stopping distance or lack of attention. An exception to this rule comes into play if the rear-ended vehicle is in reverse gear. If the driver of the car that was rear-ended files a claim against the driver who hit him, said driver could be responsible for all damages to the other driver's car.
#12
i really would go through insurers. Total comeback if anything goes wrong and support if required. You will also be able to claim a courtisy car while his is in repair even if you dont have it on your insurance as it will be claimed back.

If the car gets written off then just do some research and make sure you know exactly what it costs on autotrader.co.uk etc. Have some examples ready. When I had an accident they tried to tell me it was only worth £1000 but I soon doubled that because I had the knowledge to back it up and some examples next to me.

Also I know its not nice but if you were to loose the car you would be able to claim for loss of use of a vechicle and other expencise.
#13
choc1969
:whistling:


Choc... me love you lonnng time :) xx
#14
ClarityofMind;6843155
Choc... me love you lonnng time :) xx


Right back at you baby xx :w00t:
#15
choc1969
Right back at you baby xx :w00t:


wooop woooop!! ;-)
#16
Sorry for confusion; as my son was leaving the petrol station he stalled and the car behind thought he had pulled away and accelerated without looking and went into him. We have all his details and he does seem insured and has protected NCD, but obviously doesn't want a claim logged if he can avoid it.
#17
kingy58
Sorry for confusion; as my son was leaving the petrol station he stalled and the car behind thought he had pulled away and accelerated without looking and went into him. We have all his details and he does seem insured and has protected NCD, but obviously doesn't want a claim logged if he can avoid it.


Then it's not your sons fault :) xx
#18
kingy58;6843195
Sorry for confusion; as my son was leaving the petrol station he stalled and the car behind thought he had pulled away and accelerated without looking and went into him. We have all his details and he does seem insured and has protected NCD, but obviously doesn't want a claim logged if he can avoid it.


sorry babes, but driver that rear ended is at fault :), they should have been at a safe distance behond your son, take it through insurance as driver could claim extensive personal injuries :?
#19
kingy58
Sorry for confusion; as my son was leaving the petrol station he stalled and the car behind thought he had pulled away and accelerated without looking and went into him. We have all his details and he does seem insured and has protected NCD, but obviously doesn't want a claim logged if he can avoid it.


its worth the claim

the insurance company will love him, tru say
#20
kingy58;6843195
Sorry for confusion; as my son was leaving the petrol station he stalled and the car behind thought he had pulled away and accelerated without looking and went into him. We have all his details and he does seem insured and has protected NCD, but obviously doesn't want a claim logged if he can avoid it.


His NCD is nothing to do with you.

Go through your insurers and let him convince them that he can/will pay.

Sorry to harp on about this but I got stung like this a number of years ago when I thought I was doing someone a favour. Learned a sore lesson.

Always go through your insurers - otherwise you may find that your insurance is invalidated!!!
#21
Your son is not at fault for that, the other driver was obviously too close to him and a bit too keen

If that claim went to your son's insurance company they would say it is the other drivers fault.
#22
I scratched a car coming out of a parking bay once... didn't notice it was there. Anyway i told the guy not to go through insurance and took his details. He got a price for £80 to repair. Gave him cash, took a witness and made him sign a letter saying that i had paid him and was not liable anymore. gave him a copy and kept one for myself.
#23
You will probably find there is a condition of his insurance that states he must inform the insurance company if he is involved in an accident regardless of blame, you normally have a few days to do this, once informed they both will then have 3 years to claim personal injury, if it is done without the insurance company knowing it could get expensive for either party depending who is injured.
If the other driver has protected no claims why does he not want to notify his insurance company?
#24
kingy58
Sorry for confusion; as my son was leaving the petrol station he stalled and the car behind thought he had pulled away and accelerated without looking and went into him. We have all his details and he does seem insured and has protected NCD, but obviously doesn't want a claim logged if he can avoid it.


It really is too easy for him to change his mind at a later date when it comes to time to pay, i know you may feel a little guilty as this seems like a ncie person but things can change quickly ,
#25
I recently had an accident, where a porsche went into the back of me, I was recommended by the AA man and the taxi driver, who too me home from hospital to go through Winn solicitors, I can say they have been excellent so far, I got a hire car sorted same day, and physio within 2 weeks, it has been so stressless, in comparison to when i went through my insurance company for a previous accident, that one I could of jumped down the phone and ripped someones head off, the result of that accident was supposedly my fault.... and it wasnt!!
[helper]#26
Depends on how much you son wants to keep his car. If its an old car the insurance company will just write it off and offer your son the minimum value. If you son wants to keep the car and thinks the other driver is going to reliably pay for the damage then that might be a better option. If the other driver doesn't cough up the money in advance then just do it as an insurance claim.....
#27
ChipSticks
Any time someone goes into the back of you it's their fault, full stop.

Doesn't matter if you slam the brakes on without warning, it's up to the person behind to make sure they have enough distance and space to be able to stop in an emergency.


...unless the car with the rear-end damage was reversing at the time.


Although I favour retaining a "No Claims Bonus" in cases where there is dubious blame, I would advise approaching your insurers on this occasion, as you do not wish to find out in, say, 12 months time that your son develops problems with his spine, or neck, or similar & needs years of treatment (with costs payable privately), and/or the vehicle develops a further fault because of the first incident.

If the accident was at a fuel filling station then the local CCTV cameras should be sufficient evidence if blame was not accepted by the other party's insurers.

How long ago was this accident? You will have a specific period (as stated in your insurance policy documents) when incidents need to be reported if you intend to make a claim.

BFN,

fp.
#28
get a quote on how much it will cost - then get the guy to cough up the money - if he doesnt give you the money you dont get the repairs done you go through the insurers.
i had a woman reverse into me in a car park and she rang her husband and the guy turned up (and he was BIG -lol) he said he didnt watn to go through the insurers and would i accept the money for the repair (i assumed he was uninsured) we went straight to a garage got a quote and the guy gave the money over to me - repairs were done - no problem
#29
i was always told at an accident never admit or claim its you're fault that is up to poice insurance company to sort out - i would not go down the route of paying for it out his own pocket a similar thing happened to a friend of mine they claimed for damages to car, whiplash, medical bills etc for a littel bump
#30
ClarityofMind
Then it's not your sons fault :) xx


choc1969
sorry babes, but driver that rear ended is at fault :), they should have been at a safe distance behond your son, take it through insurance as driver could claim extensive personal injuries :?


DJNG22
Your son is not at fault for that, the other driver was obviously too close to him and a bit too keen

If that claim went to your son's insurance company they would say it is the other drivers fault.


hasn't the op already stated that the driver has admitted liability or am i missing something :?
#31
I had a similar thing happen to me. Got hit by a young lad in his first year of driving. He offered to pay for the damage but I claimed via my insurance anyway. They sorted it all out and said that if he wanted to pay himself rather than having a claim on his policy then they would sort it out with him direct. Got my car fixed and havent got a clue whether he paid direct or whether his insurers coughed up. And couldn't really give a monkey's anyway. Should have looked where he was going!
banned#32
souljacker;6846444
hasn't the op already stated that the driver has admitted liability or am i missing something :?

OP did clarify later but original post was ambiguous. In fact, it made it seem like his son admitted liabilty.

My son had an accident a few days ago, someone rear-ended him leaving a petrol station. He has been very decent and admitted complete liability and was very concerned the occupants were ok

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