Paul_J
Member
Registered: 6th Jun 02
Location: London
User status: Offline
|
I was coming home from legoland (where I work) - on some country roads, doing about 60 (it's national speed limit). I came round a corner and there was a car on my side of the road overtaking about 3 cars!!!
I put the brakes on but my ABS isn't working at the moment - so the rear wheels locked and the car went to fish tail... To avoid this guy that was heading for me, I had to put my car into the ditch  
Anyway, the guy pulled over - Along with about 3/4 other people who started having a go at this guy that was trying to overtake so many cars on a blind bend!
I have 4 witnesses, saying he was in the wrong.
I've got his details (he was in a company car). The guy in the picture was an absolutely top guy - he pulled my car out of the ditch with the land rover. the sound of crunching metal was not pleasant against the trees as he pulled it out.
The problem is, although the guy has admitted he was in the wrong, I don't want to go through insurance! As I'd lose my NCB and not be able to afford to insure this car.
So I said to him it'd be best if we went private and he agreed, so now I'm hoping it won't be much money to get fixed.
It still drives ok, though at about 50 mph the steering wheel shakes a bit - Car's booked in tommorrow get looked at.
Front bumper is wrecked, Wing is dented, Door is scratched and dented. Wing mirror is a bit fucked. But other than that, I can't see anything wrong.
Will have to see what the mechanics say, but at the moment I'm gutted
Paul J
|
Half Pint
Member
Registered: 25th Mar 02
User status: Offline
|
it's his fault so you will not loose your no claims
|
Pablo
Member
Registered: 3rd Feb 03
Location: Milton Keynes
User status: Offline
|
Im on the phone to steve  I jus told him the news
|
Paul_J
Member
Registered: 6th Jun 02
Location: London
User status: Offline
|
quote:
Originally posted by Half Pint
it's his fault so you will not loose your no claims
Really? but won't I have to say I've had a accident or claim in the last five years?
This car is cursed with bad luck - The previous owners mum said 'Good luck' as I drove it off... Now I see why. Bloody Evo's and people forcing you off road - this car has not been fun and only 16.1 down quarter mile - Piece of shit
|
3CorsaMeal
Member
Registered: 11th Apr 02
User status: Offline
|
if its someone else's fault it comes off their insurance and won't affect yours, you may have to state it when getting new policy but should affect your premium
unlucky btw is some proper twats on the road these days
|
Half Pint
Member
Registered: 25th Mar 02
User status: Offline
|
quote:
Originally posted by Paul_J
quote:
Originally posted by Half Pint
it's his fault so you will not loose your no claims
Really? but won't I have to say I've had a accident or claim in the last five years?
This car is cursed with bad luck - The previous owners mum said 'Good luck' as I drove it off... Now I see why. Bloody Evo's and people forcing you off road - this car has not been fun and only 16.1 down quarter mile - Piece of shit
yes you have to tell them buy also that you got full recovery, and it doesn't affect your premium.
|
willay
Moderator
Organiser: South East, National Events
Premium Member
Registered: 10th Nov 02
Location: Roydon, Essex
User status: Offline
|
quote:
Originally posted by P4UL
Im on the phone to steve I jus told him the news
|
willay
Moderator
Organiser: South East, National Events
Premium Member
Registered: 10th Nov 02
Location: Roydon, Essex
User status: Offline
|
Paul.
Glad you hear you are okay man, could of been ALOT worse. Get the car sorted!
|
broster
Premium Member
Registered: 6th Dec 02
Location: Drives: E39
User status: Offline
|
tis all true if he admits fault then your NCB wont be affected at all!! mind your if his was a company car hed most likely want to avoid insurance to stop getting sacked from work.
|
Andy_N9~DYB
Member
Registered: 29th Sep 03
Location: Clydebank, West Dunbart
User status: Offline
|
my mate works for admiral and in most cases ure insurance will go up more if u were involved in an accident that wasnt your fault compared to if it was
the reason behind this is that if ure tailgating in the rain and u run into the back of them, chances are ull learn a lesson and not do it again
wen sum1 hits u u havent really got a lesson to learn, apparently it makes u less confident on the road resulting in u being a poorer driver
|
Nismo
Member
Registered: 12th Sep 02
User status: Offline
|
Unlucky dude
but like everyone else has said you wont loose your NCB but if he has agreed to do it privatley than all good i guess 
|
bradfincham
Member
Registered: 20th Sep 02
Location: East Of England Drives: Clio 172
User status: Offline
|
not sure on that case andy!
Glad to hear you and the car are ok paul
|
MatthewR
Member
Registered: 21st Oct 02
Location: Rickmansworth
User status: Offline
|
Cooor deary me mate, my uncle died from the same thing, he didnt swerve in time though, had his kids in the back aswell!
Play the lotto 2nite!!!
|
Half Pint
Member
Registered: 25th Mar 02
User status: Offline
|
wreckless driving on his part, get the police involved and get the insurance involved, you need to make sure you've not twisted the chassis.
|
Andy_N9~DYB
Member
Registered: 29th Sep 03
Location: Clydebank, West Dunbart
User status: Offline
|
i know it sounds gay brad but he asures me its true, well from there perspective anyway
im no gonna contradict him after all its how he makes a livin
|
Fad
Member
Registered: 1st Feb 01
Location: Dartford Kent Drives: 330cd
User status: Offline
|
quote:
Originally posted by Half Pint
wreckless driving on his part, get the police involved and get the insurance involved, you need to make sure you've not twisted the chassis.
get the insurance involved definately as the work will be guaranteed for five years IIRC? Also the will bear the full cost for any thing structually damaged to the car like faulty hubs etc not just the cosmetic.
|
jr
Member
Registered: 20th May 02
Location: Kent
User status: Offline
|
deffo 100% get the insurance involved, and take it to a pug bodyshop as well
|
R Lee
Member
Registered: 15th Aug 03
User status: Offline
|
oh nuts
|
Mikorsa16v
Member
Registered: 2nd Sep 02
Location: Burgess Hill, West Sussex
User status: Offline
|
go through insurance man, its going to cost more than your excess i reckon, plus it wont affect your ncb
|
mav
Member
Registered: 19th Jun 01
Location: Scotland
User status: Offline
|
bad luck m8..
but as others said get insurance involved, there could be under lying problems on your car now...shouldn't affect no claims or premuims as it's non fault...
|
chr15barn3s
Member
Registered: 5th Oct 03
Location: Farnborough
User status: Offline
|
unlucky paul, dont arrange it privately with him, go through the insurance, it wasnt your fault so it will only be him who gets screwed over
|
Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
|
|
Paul_J
Member
Registered: 6th Jun 02
Location: London
User status: Offline
|
Someone said I have to report the accident to the police before I can go through insurance? is this true? 
I'm not the biggest fan of police.
|
Fad
Member
Registered: 1st Feb 01
Location: Dartford Kent Drives: 330cd
User status: Offline
|
just report it its suposedly the law now the insurance co wil ask you if youv'e done it. Its to prevent fraud and if you dont disclose it they will think your hidding something
do it the proper way boy i did and it worked out for the best cos i had extra work done when other problems prevailed after the accident at the other parties cost
|
Red_SXi
Member
Registered: 23rd Sep 02
Location: Dunstable Drives: 52 Plate BMW 3 M Sport Coupe
User status: Offline
|
It was a non-fault accident mate, will not effect future insurance costs or your NCB 
|
