I had my first car accident today - HotUKDeals
We use cookie files to improve site functionality and personalisation. By continuing to use HUKD, you accept our cookie and privacy policy.
Get the HUKD app free at Google Play

Search Error

An error occurred when searching, please try again!

Login / Sign UpSubmit

I had my first car accident today

hassony Avatar
6y, 11m agoPosted 6 years, 11 months ago
It was my fault, I was on the motor way, stuck in traffic, and my car rolled back onto the car behind me.

There was no damage done to either cars, I took pictures of her car and my car to prove it.
I told her to go to the mechanic to get a quote rather than call the insurance company, if she does come back with a ridicules quote, I am guessing that I can fight the claim on the evidence that there was no damage, am I right?

I have got about 7-8 years NCD anyway, but I am guessing my isurance will go up anyway next year if she goes through the insurance company
Tags:
hassony Avatar
6y, 11m agoPosted 6 years, 11 months ago
Options

All Comments

(37) Jump to unreadPost a comment
Comments/page:
#1
You shouldn't have any probs since you took photos . Did you take the name of any witnesses?
#2
why tell her to go to a mechanic if there was no damage?
#3
[ ]nice use of the handbreak
#4
black gerbil1
[ ]nice use of the handbreak


Nice use of spelling.
#5
dataload
why tell her to go to a mechanic if there was no damage?


would it better if she goes to her insurance company? they'll ask her to get a quote anyway
#6
Im amazed, at every traffic light junction, I always spot someone riding the clutch when the light is no where near changing to green. I just think about the poor sod who might buy that car of them and pay for their stupidity.
#7
brakes not working?

or lack of concentration?
I am guessing that I can fight the claim on the evidence that there was no damage, am I right?


lol
#8
Tazzer
You shouldn't have any probs since you took photos . Did you take the name of any witnesses?


no
#9
boothy
brakes not working?

or lack of concentration?


lol


lack of concentration

It's my fault
#10
black gerbil1
[ ]nice use of the handbreak


anglais s'il vous plait

:roll:
#11
You must report it to your insurance company but tell them for notification purposes only.

If you dont report it to them, they may invalidate your insurance should you ever need to make a claim, its a requirement of all insurance policies that you MUST notify the insurance companies of ANY relevant information that includes notifying them of a non claim accident.

Up to you if you don't but I've told you the possible concequences.

If you dont believe me, call your insurance company, dont tell them who you are and simply ask, do I have to tell you of any accidents if insured by you, even if there is no claim?
you'll be surprised by the answer.
#12
hassony
would it better if she goes to her insurance company? they'll ask her to get a quote anyway

a quote for what though? "There was no damage done to either cars"
banned#13
You're lucky the other party wasn't me - I'd have knocked you out for being so ridiculous

[ ] Keyboard warrior
[X] Real life hero.
#14
dataload
a quote for what though? "There was no damage done to either cars"
Correction. There was no visible damage done to either car.

Which makes it unlikely that there was damage, but not impossible.
#15
karenhornby
You must report it to your insurance company but tell them for notification purposes only.

If you dont report it to them, they may invalidate your insurance should you ever need to make a claim, its a requirement of all insurance policies that you MUST notify the insurance companies of ANY relevant information that includes notifying them of a non claim accident.

Up to you if you don't but I've told you the possible concequences.

If you dont believe me, call your insurance company, dont tell them who you are and simply ask, do I have to tell you of any accidents if insured by you, even if there is no claim?
you'll be surprised by the answer.


someone else on another forum gave me the same advice, I'll do that tonight when I get home thanks

vibeone
You're lucky the other party wasn't me - I'd have knocked you out for being so ridiculous

[ ] Keyboard warrior
[X] Real life hero.


That would have been great, as I would have sued you and got some of your millions

Crazy Jamie
Correction. There was no visible damage done to either car.

Which makes it unlikely that there was damage, but not impossible.


yes
I did take a picture to the engine as well just in case
banned#16
If she claims her insurance its up to the insurance companies to fight it out - damage or not
banned#17
hassony

That would have been great, as I would have sued you and got some of your millions



[X] Would have been worth it
[ ] Would miss a million quid
#18
She will have whiplash unfortunately after she goes home and starts telling friends what happened...
#19
Chiptivo
She will have whiplash unfortunately after she goes home and starts telling friends what happened...


well she was walking around normally afterwards, and I asked her a couple of times and she said she was ok in front of the witness

probably I should have recorded the conversation on my mobile
#20
hassony
well she was walking around normally afterwards, and I asked her a couple of times and she said she was ok in front of the witness

probably I should have recorded the conversation on my mobile


No. The headache and neck pain would of set in when she had got home and had got over the shock and the pressure you were putting on her to say everything was ok...
#21
there is nothing I can do about it anyway, I just have to be more careful when I am driving

hopefully she'll just realise that her car was ok and just move on, If not than I'll just have to take it on the chin
#22
Chiptivo
No. The headache and neck pain would of set in when she had got home and had got over the shock and the pressure you were putting on her to say everything was ok...
I appreciate the cynicism, but in all fairness whiplash symptoms rarely actually set in at the scene. It normally takes anywhere from an hour or two to a day to set in. They then worsen gradually before improving. So even in a genuine case it is unlikely that symptoms would be shown at the scene.

From what Hassony has said it sounds like the collision happened at a very low speed, which makes me think that if she does claim injury, Hassony's insurance company could defend the case on the basis Low Velocity Impact (i.e. the collision happened at such a low speed that she could not physically have been injured). If it turns out that no damage has in fact been caused to the vehicles, this will greatly assist any defence made on the basis of LVI.

All that would be a matter for Hassony's insurance company (and ultimately their solicitors) though, and not something to be dealt with personally.
#23
Crazy Jamie
I appreciate the cynicism, but in all fairness whiplash symptoms rarely actually set in at the scene. It normally takes anywhere from an hour or two to a day to set in. They then worsen gradually before improving. So even in a genuine case it is unlikely that symptoms would be shown at the scene.

From what Hassony has said it sounds like the collision happened at a very low speed, which makes me think that if she does claim injury, Hassony's insurance company could defend the case on the basis Low Velocity Impact (i.e. the collision happened at such a low speed that she could not physically have been injured). If it turns out that no damage has in fact been caused to the vehicles, this will greatly assist any defence made on the basis of LVI.

All that would be a matter for Hassony's insurance company (and ultimately their solicitors) though, and not something to be dealt with personally.


cheers for that

I think I'll defo call the insurance company this evening and "notify" them of what happened
banned#24
surely a car riding backwards cant have caused whiplash...it would barely have been going 5mph??
#25
if she becomes an a** just claim the she didnt stop in time and hit you..... more likly that someone goes into the back of you then you rolling backwards you would win ;-)
#26
hassony;7689394
There was no damage done to either cars, I took pictures of her car and my car to prove it.


Not to try & be funny here, but there could be any amount of non physical damage to the front of the car. Best get a mechanic check it out & fix as appropriate.

If he/she goes through yuor insurance, you will need to pay your excess & then lose your NCB (if not protected).

If they go through a mechanic privately, it "should" be much cheaper (ask to see written quote), and you wont lost NCB.

I wouldnt bother informing insurance company if they go via the mechanic option as it could cause you hasstle in the future (mate did this & his premium went up the next year because of a declared accident with a non insurance payout - work that out !)
#27
splatsplatsplat;7689397
Im amazed, at every traffic light junction, I always spot someone riding the clutch when the light is no where near changing to green. I just think about the poor sod who might buy that car of them and pay for their stupidity.


Whats wrong with riding the clutch (at biting point, not being a tool & giving it loads of gas & clutch) ?

I do it everyday, saves the poor sod behind you from being blinded by your brake lights, and the inconvinience of putting on the handbrake :thumbsup:
banned#28
ChrisUK
Whats wrong with riding the clutch (at biting point, not being a tool & giving it loads of gas & clutch) ?


Over the course of thousands of miles (and therefore thousands of traffic lights / junctions) you will reduce the clutch lifespan a great deal. Its pretty obvious.
#29
ChrisUK
Whats wrong with riding the clutch (at biting point, not being a tool & giving it loads of gas & clutch) ?

I do it everyday, saves the poor sod behind you from being blinded by your brake lights, and the inconvinience of putting on the handbrake :thumbsup:


Because you will wear out your clutch.

Using the handbrake takes seconds to use.

Just bad driving.
#30
Sachs racing clutch, so I very much doubt that will wear out any time soon ;)
banned#31
ChrisUK
Sachs racing clutch, so I very much doubt that will wear out any time soon ;)


Oh dear, shall I tell him or.... ?
#32
ChrisUK
Sachs racing clutch, so I very much doubt that will wear out any time soon ;)


Over hyped, + over priced, it will still burn out doing what you do.
#33
I told her to go to the mechanic to get a quote rather than call the insurance company

That's not your call to make. Unless theres absolutely no damage i'd be surprised if she didn't go through the insurance company.
#34
I dont see the point in riding the clutch when your at the traffic lights, using the handbrake is easier!? Its like a game or something to some people, they like to try to keep the car static riding the clutch, but you can tell they are doing it, as they are going back./forth very slightly. Ruining the clutch, annoying me!
We all do it a little, as it can be faster if your waiting for 1 car to pass or stopping at a small junction/roundabout, but when the lights just go red on a 4 way junction, these idiots keep it going for 3-4 minutes.
#35
stuck in traffic on a motorway..........how close was she for you to be able to roll back into her?

or how far did you roll back?
#36
casparwhite
stuck in traffic on a motorway..........how close was she for you to be able to roll back into her?

or how far did you roll back?


2 meters or so
#37
hassony
2 meters or so


Gas or electric?:)

Post a Comment

You don't need an account to leave a comment. Just enter your email address. We'll keep it private.

...OR log in with your social account

...OR comment using your social account

Thanks for your comment! Keep it up!
We just need to have a quick look and it will be live soon.
The community is happy to hear your opinion! Keep contributing!