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Author Crashday
Tommy L
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Registered: 21st Aug 06
Location: Northampton Drives: Audi wagon
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31st Jan 13 at 10:03   View User's Profile U2U Member Reply With Quote
Had my first small bump today. Fortunately she was OK and there was minimal damage to her bumper. It's my first one in 8 years . We've exchanged details etc but what happens now with insurance?
willay
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Organiser: South East, National Events
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Registered: 10th Nov 02
Location: Roydon, Essex
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31st Jan 13 at 10:04   View Garage View User's Profile U2U Member Reply With Quote
Whos fault is it
John
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Registered: 30th Jun 03
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31st Jan 13 at 10:05   View User's Profile U2U Member Reply With Quote
If you went into the back of her you'll probably have a whiplash claim on your hands.
Whittie
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Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
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31st Jan 13 at 10:05   View User's Profile U2U Member Reply With Quote
She'll contact your insurance, that's it. Just sit back and get ready to pay an excess.
Tommy L
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Registered: 21st Aug 06
Location: Northampton Drives: Audi wagon
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31st Jan 13 at 10:10   View User's Profile U2U Member Reply With Quote
My fault.

She was pretty cool about it all, we had a laugh at the end of it, so hoping no whiplash claim
3CorsaMeal
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Registered: 11th Apr 02
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31st Jan 13 at 10:10   View User's Profile U2U Member Reply With Quote
The only thing to happen is money, its all about money now, making sure everyone gets as much money as possible from the incident and making sure the amount of money you give insurers is suitable now, they probably need more money because of this aswell. Lets just give out money to everyone thats in the slightest bit involved. I think one day witnesses will be claiming money because they had to see an accident and live with the trauma, no worries, give them some money, fixes any trauma or mental issue that may arise, sore neck? Have some money that will fix it.
Gary
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Registered: 22nd Nov 06
Location: West Yorkshire
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31st Jan 13 at 10:15   View Garage View User's Profile U2U Member Reply With Quote
Lay off the weed
pow
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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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31st Jan 13 at 10:25   View Garage View User's Profile U2U Member Reply With Quote
Sit back, let them contact you (she may not even bother) and let the insurance company deal with it. It's what you pay them for.
DaveyLC
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Registered: 8th Oct 08
Location: Berkshire
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31st Jan 13 at 10:54   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Tommy L
My fault.

She was pretty cool about it all, we had a laugh at the end of it, so hoping no whiplash claim


You wait until the sh*t-c*nt legal vultures get on the phone to her promising here a villa in Dubai and a million rupees!

Also its always worth trying to settle out side of insurance if the person isnt a norman.. Theres no law that says you must use your insurance.

[Edited on 31-01-2013 by DaveyLC]
Ben G
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Registered: 12th Jan 07
Location: Essex
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31st Jan 13 at 11:04   View User's Profile U2U Member Reply With Quote
you must tell your insurance company about any accidents you've had though. So, either way, they will fuck you.
Brett
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Registered: 16th Dec 02
Location: Manchester
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31st Jan 13 at 11:08   View Garage View User's Profile U2U Member Reply With Quote
Well, you don't if there's no insurance involved from either party.
willay
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Registered: 10th Nov 02
Location: Roydon, Essex
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31st Jan 13 at 11:37   View Garage View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Ben G
you must tell your insurance company about any accidents you've had though. So, either way, they will fuck you.


Dont do this.
Ian
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Registered: 28th Aug 99
Location: Liverpool
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31st Jan 13 at 12:38   View Garage View User's Profile U2U Member Reply With Quote
Phone her, tell her you're going to pay it all.

Tell her it'll fuck her insurance as well as yours.
Brett
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Registered: 16th Dec 02
Location: Manchester
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31st Jan 13 at 12:44   View Garage View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Ian
Tell her it'll fuck her insurance as well as yours.

If someone who'd hit me said that then I'd take it to the full extent I could tbh, neck would be killing me. It's for me as the injured party to offer that easier way out for their negligence, not for them to effectively blackmail me with a potentially higher premium the following year.

[Edited on 31-01-2013 by Brett]
Nath
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Registered: 3rd Apr 02
Location: MK
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31st Jan 13 at 13:08   View User's Profile U2U Member Reply With Quote
Sort it with cash if it's only a small bump.
Ian
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Registered: 28th Aug 99
Location: Liverpool
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31st Jan 13 at 13:12   View Garage View User's Profile U2U Member Reply With Quote
Also, don't make it sound like blackmail.

I just meant try and explain that its in her interests to avoid insurance.

Appreciate it sounds a bit blackmaily but its also fairly true.

Also I agree with Jim and Davey - it is all about money.

The likelihood is that she's already contacted them and you're already going to pay grands for it.
Chris
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Registered: 21st Sep 99
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31st Jan 13 at 21:19   View Garage View User's Profile U2U Member Reply With Quote
Most likely her sign up Ipad has already been dispatched, plus every one she works with has told her to get the hosp and take a week off.
Jay
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Registered: 26th Sep 04
Location: Liverpool
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31st Jan 13 at 21:33   View User's Profile U2U Member Reply With Quote
My sister crashed my car, insurance went up a grand and lost my NCB, was gutted!

To add, we offered to repair the other car, had a scratch to the bumper, he slammed on in front of Her she was too close and hit him, he instantly said he's going through insurance, 5 people in the car...

[Edited on 31-01-2013 by Jay]
Brett
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Registered: 16th Dec 02
Location: Manchester
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31st Jan 13 at 21:35   View Garage View User's Profile U2U Member Reply With Quote
Was she a named driver on your policy? I'd never trust anyone on mine

[Edited on 31-01-2013 by Brett]
mattant
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Registered: 19th Jun 10
Location: South Yorkshire
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31st Jan 13 at 21:56   View User's Profile U2U Member Reply With Quote
I thought this was a thread about the classic Crashday
*CorsaCal*
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Registered: 3rd Oct 10
Location: Leicestershire Drives: 20XE Corsa
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31st Jan 13 at 23:37   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by 3CorsaMeal
The only thing to happen is money, its all about money now, making sure everyone gets as much money as possible from the incident and making sure the amount of money you give insurers is suitable now, they probably need more money because of this aswell. Lets just give out money to everyone thats in the slightest bit involved. I think one day witnesses will be claiming money because they had to see an accident and live with the trauma, no worries, give them some money, fixes any trauma or mental issue that may arise, sore neck? Have some money that will fix it.


Like
Generation
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Registered: 7th Jul 09
Location: Essex
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1st Feb 13 at 00:29   View User's Profile U2U Member Reply With Quote
I agree with 3cm tbh.



Every pikey in this country gets whiplash
JaffaTB
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Registered: 7th Oct 09
Location: Sheffield, South Yorkshire
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1st Feb 13 at 05:51   View User's Profile U2U Member Reply With Quote
my girlfriend was on a driving lesson when someone went into the back of her, wasn't much damage to the car just a slight kink in the boot lid, the other driver fully accepted the blame, the driving instructor gave her phone number to his insurance company and they rang her offering her £1000 without any medical evidence or even going to the doctors, she didn't even think about making a claim it was them that contacted her
Jay
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Registered: 26th Sep 04
Location: Liverpool
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1st Feb 13 at 07:12   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Brett
Was she a named driver on your policy? I'd never trust anyone on mine

[Edited on 31-01-2013 by Brett]


Yeah, she couldn't afford insurance so I put her on mine and 2 months later she crashed
Blade_sri
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Registered: 23rd Apr 03
Location: Pop
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1st Feb 13 at 19:26   View User's Profile U2U Member Reply With Quote
Your gonna die in 7 days!

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