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crashed my car.

Mclovin Avatar
8y, 1m agoPosted 8 years, 1 month ago
had my first car crash :(
it was lame.

Guys got my details and ive got his tho. Dno whats happening we are both claiming against each other so i guess its up to who wins.

:(
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Mclovin Avatar
8y, 1m agoPosted 8 years, 1 month ago
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#1
What happened? Where?
#2
first time i crashed it was twice in 1 day,

Hungover in the morn and stressed in the eve! It worked it self out though.

Thank god for highland folk. in a city while that rough I may have ended up in trouble. But one must get to work!

I sold my last car 2 years ago by the way incase anyone is scared of the road with possibly drunken choochters out there.
#3
You may find they'll just settle knock for knock. You OK?
#4
it was dirty. i didnt really know who wud be liable so i refused to appologise to him.
basically i stopped quickly for a mate to jump out. the guy behind me didnt over take me and let me carry on so i kept on driving and this guy came flying up over taking both of us at waayyy over the speed limit abd scraped all down my car as i ovetook a parked car.

i was thinking its probably a split claim. but will have to see what the companies agree.
#5
Mclovin
it was dirty. i didnt really know who wud be liable so i refused to appologise to him.
basically i stopped quickly for a mate to jump out. the guy behind me didnt over take me and let me carry on so i kept on driving and this guy came flying up over taking both of us at waayyy over the speed limit abd scraped all down my car as i ovetook a parked car.

i was thinking its probably a split claim. but will have to see what the companies agree.


He overtook you? So he was on the wrong side of the road?
#6
Naeem786
He overtook you? So he was on the wrong side of the road?


well yes but i dont think its that simple.
#7
Mclovin
it was dirty. i didnt really know who wud be liable so i refused to appologise to him.
basically i stopped quickly for a mate to jump out. the guy behind me didnt over take me and let me carry on so i kept on driving and this guy came flying up over taking both of us at waayyy over the speed limit abd scraped all down my car as i ovetook a parked car.

i was thinking its probably a split claim. but will have to see what the companies agree.


Sounds like he might be liable.
#8
Mclovin
well yes but i dont think its that simple.


What makes you say that? You got pics?
#9
Naeem786
What makes you say that? You got pics?


no. he rang police but they didnt feel the need to come. he was basically trying to get me to say it was my fault.
i had stopped to let my mate out. but like i said it was so fast the guy behind me didn over take. so when he let me carry on i did and this guy when flying past.
i really have no idea, my insurance man told me i would probably lose.
#10
Mclovin
no. he rang police but they didnt feel the need to come. he was basically trying to get me to say it was my fault.
i had stopped to let my mate out. but like i said it was so fast the guy behind me didn over take. so when he let me carry on i did and this guy when flying past.
i really have no idea, my insurance man told me i would probably lose.


All you say he overtook, then say scraped side of you!! He was in the wrong lane and was wrong to overtake!! You insurance guy dont know jack!!
#11
vinylandtrinkets
have to agree, if he was overtaking where he shouldnt have been then he is in the wrong, what about the guy that was directly behind you? did he see what happened?


he ******ed off :/ which is annoying cos i cud of really used him as a witness.
#12
sounds like you didnt look in your mirror. How fast were you moving when you pulled out?
#13
So was he totally on the wrong side of the road or were you pulled over and this guy went past you as you pulled out and hit you? I'm confused!! :?
#14
So let me get this straight:

You have scratches down the driver side of your car.

He has scratches down the off side of his car.

Why is he getting you to admit liability? What's his version of events? Is he trying to say you pulled out while he was overtaking you (which to be brutally honest, sounds more likely)?
#15
Xb0xGuru
So let me get this straight:

You have scratches down the driver side of your car.

He has scratches down the off side of his car.

Why is he getting you to admit liability? What's his version of events? Is he trying to say you pulled out while he was overtaking you (which to be brutally honest, sounds more likely)?


yes this is what hes claiming. I did check mirrors and pulled out slowly but as i said, there was alredy someone behind me letting me move on. this guy came down the other side of the road overtaking both of us. and scraping past my car quickly.
if that makes sence?
#16
vinylandtrinkets
if he pulled out wouldnt there be dents not scratches?
how bad are the scratches?


not bad at all. my car isnt too bad and his car just has a scratch down the side.
#17
I used to work in the claims dept of a national insurance co, from what you describe, it does sound like that you pulled across into his path. Even though you state you checked your mirrors and pulled out slowly and the other guy let you move on, The onus is on you to check that your path is clear of any oncoming or overtaking traffic. I know you say he was speeding but speed cannot be used when it comes to assessing liability unless you can prove that he was speeding which is very difficult. Anyway, I know it is annoying but your insurance company will decide who is at fault when they receive your claims form and the circumstances and diagrams will be checked. You did right though not to admit liability never do that even if you know it is your fault - sorry you had the bump though!!!!
#18
christinemerlot
I used to work in the claims dept of a national insurance co, from what you describe, it does sound like that you pulled across into his path. Even though you state you checked your mirrors and pulled out slowly and the other guy let you move on, The onus is on you to check that your path is clear of any oncoming or overtaking traffic. I know you say he was speeding but speed cannot be used when it comes to assessing liability unless you can prove that he was speeding which is very difficult. Anyway, I know it is annoying but your insurance company will decide who is at fault when they receive your claims form and the circumstances and diagrams will be checked. You did right though not to admit liability never do that even if you know it is your fault - sorry you had the bump though!!!!


cheers mate. yeah i can see what ur trying to say. the guy said its impossible to factor speed into it also.
#19
good info from christinemerlot, by the way, police wouldnt come to a damage only collision. Unless there was evidence available to identify an offence of careless driving or something. from what you say, this would be a tricky one, as you were allowed out by another driver who would be blocking your view of driver no.2
This is why we all pay so much every year to insurance companies, they are ususally quite adept at sorting these things out.
The problem both drivers has here was the guy who let you out. I shall explain....
the definition of a road traffic collision starts "owing to the presence of a motor vehicle on a road a collision occurs..........."
No wonder he did one, he has gone from being a good samaritan to potentially the cause of your bump. it could be that driver 2 thought you were both parked and will rightly feel aggrieved. Further so will you as you were allowed out.
I once heard a saying its no claim, not no blame, if this is the case and you dont have protected no claims, it may not make any difference. Christine may be able to clarify that cause id like to know the answer too.
if you need anything further let me know, as its not in the realms of the police its unlikely there will be any process issues. Good luck in sorting it
#20
Hi both Pilot Light and Mclovin, not sure what you are asking with regards to NCB (no claims bonus) -but I will try a and clarify what NCB is - NCB is a no claims bonus, if you make a claim for damage or theft with your insurance policy then unless your insurance company can recover the cost that they pay for this damage etc , then your NCB will be affected, i.e, you will lose 2 years no claims bonus for each claim, So for example lets say someone hits your car whilst it is parked say in a supermarket - unless you know who hit it and your insurance company can make a claim against that persons insurance then you will lose your no claims bonus, hence the saying NOCLAIMSBONUS not NOBLAMEBONUS. IF you have protected NCB then you are usually allowed 2 fault claims in 3 years without losing you NCB, some insurance companies say 3 claims in 5 years and so on. I would get many policyholders hitting off that they have had an accident (NON fault) but for some reason their insurance company cannot recover the cost of repairs and they lose their NCB. Hope this helps if you need to know anything else then do not hesitate to ask me I would be happy to help - Cheers

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