OP
OP
Wrong thread
Think this is ment to be in Grumpy thread in reply to @yasifa?
Congrats anyway
yeah how that happen
Off Topic Another Accident
- Thread starter dave
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Off Topic Another Accident
yeah how that happen
Keep it well away from your insurance company unless you have to. If they're paying privately then nobody need know anything.
Having a non-fault accident of any sort will lead to higher premiums. Sadly they think that statistically, on average, people who get crashed into are a higher risk. It's not fair but that's how it is.
Having a non-fault accident of any sort will lead to higher premiums. Sadly they think that statistically, on average, people who get crashed into are a higher risk. It's not fair but that's how it is.
OP
OP
some put it up for 1 non fault, some quotes I've done it don't go up for up to 2 non faults but it will on the 3rd, if I class this as a motoring accident it will be my 4th non fault in 5 years the 2nd when i haven't ever been in the car, the ombudsman or some one needs to looking in to these hikes for non fault its not fair at all
That's a lot of non-fault issues. You should ask yourself why each happened, and whether you could have been somewhere else. Being in the wrong place at the wrong time may be a choice. The insurance companies will assess you as higher risk if you are a frequent victim.
This is part of what I do for a living. Remedial training for businesses when their employees have had collisions. Where, how, why, etc. A lot of incidents can be avoided with a little foresight, hindsight can help prevent further occurrences.
This is part of what I do for a living. Remedial training for businesses when their employees have had collisions. Where, how, why, etc. A lot of incidents can be avoided with a little foresight, hindsight can help prevent further occurrences.
If stats can be backed up then unless a law is put in place then there is nothing they can do
Suppose 3 people going into the back of me over 6.5 years could have been avoided also.....
Perhaps we should just not drive, no-one. Couldn't have collisions then.
OP
OP
:doh: so i shouldnt keep parking in middle lane of the M1?
Possibly, but would need to know details to assess and advise how to prevent/avoid. This isn't the place really.
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Couldn't agree more. Especially with all the crash for cash schemes going about. Only going to get worse once Romania gets the 'open door' policy into the country
:bang:A £2000 insurance claim is not far of an average year's salary to them...
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They can't discriminate any more against men, even though we cost more in claims than women. But they can discriminate against someone having non-fault claims.
I can see both sides. It sounds like you've had a run of very bad luck Dave. I know about your bus, the car into the back of you and now this.
On the other hand, someone who for example lives on a busy road that they have to park on may have a lot of non-fault claims. I could understand why they might end up having to pay more.
I had a period of everyone crashing into me a few years ago. Thankfully it was just a blip.
I can see both sides. It sounds like you've had a run of very bad luck Dave. I know about your bus, the car into the back of you and now this.
On the other hand, someone who for example lives on a busy road that they have to park on may have a lot of non-fault claims. I could understand why they might end up having to pay more.
I had a period of everyone crashing into me a few years ago. Thankfully it was just a blip.
The insurance companies try to assess risk. Initially they categorise us by postcode, vehicle model, age, etc., known quantities and can compare with history of that age group, location, etc. If down your street there is someone of a similar age, with a similar car, he gets to pay the same as you. Then when he has a non-fault collision, and you don't, his insurance next year is weighted as he now represents a higher risk. He may think this is unfair, but you have demonstrated that you have not put yourself in harm's way, whereas he has. Being in the wrong place at the wrong time is considered to be a choice you've made. Those of us who have not been squashed are seen as better risks.
From the start of this thread, if Dave had parked elsewhere in the car park, the rack would have missed his car. That's a simple answer. He may have few options with space available, and having his grandson with him. Parking elsewhere might have caused him to suffer greater damage, but we don't know. So the insurance companies increase premiums for everyone who has had a claim.
Hopefully this makes a little more sense now, if still seeming unfair.
I can understand factors like parking in a corner of a car park so that you are well away from other vehicles etc. but how do you avoid somebody rear-ending you when you are stood still at traffic lights? (other than not using the car of course). How is this putting yourself in harms way?
It seems to me that the insurance companies work differently here to other countries. They find every excuse to load premiums, every excuse to delay or avoid payment, collaborate in the exchange of information for cash reward, and are lamentably bad at investigating fraud.
The reason of course for this lamentable performance is so that they can more than cover the fraud costs by charging honests motorists even more!
It seems to me that the insurance companies work differently here to other countries. They find every excuse to load premiums, every excuse to delay or avoid payment, collaborate in the exchange of information for cash reward, and are lamentably bad at investigating fraud.
The reason of course for this lamentable performance is so that they can more than cover the fraud costs by charging honests motorists even more!
As you slow to a stop, control following traffic by slowing early, not arriving and braking firmly.
If you are the last to join the queue, stop 1-2 car lengths back. Keep an eye on the mirror. If someone approaches quickly, use the brake lights several times to try to wake him up. If this fails, try the hazard lights. Still not working, start to trickle very slowly forward, using the brake lights or hazard lights again until he starts braking. He is now trying to stop before he hits you, but you still have nearly two car lengths extra to allow him as he gets close. Don't move forwards too quickly, or he will release the brakes. If you've got it right, he stops before you contact the car ahead.
Other options include moving forward through the red lights, if space permits. Mostly there is at least a car length available. Don't go any further than absolutely necessary, technically an offence but if you can demonstrate it was to prevent a collision it shouldn't be a problem. Too big a gap could be an issue.
Drive onto the pavement or verge, let the clown hit the car ahead of you. (Done that)
Turn sharp left into a driveway, done that too.
If however you've been stopped some time, with stationary vehicles behind and the clown behind decides to drive away before you, there's not much you can do.
No charge.
You're so kind. But I paid for most of the above all that already on my IAM course!
Thanks for trying to help. I still believe though that the insurance companies could do more to tackle fraud, but won't becasue it gives them an excuse to inflate premiums.
You've got part of your argument right, but not really all of it. Luckily I don't go with the cheapest insurance company out there, as a result luckily none fault claims don't load my policy, but I know many companies do.
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Got B&M to cough up yet?
All totally obvious stuff. It sounds like you make a living out of taking people's watch off their wrist then telling them what time it is.
While some non-fault accidents could be avoidable, sometimes you're just unlucky. I had a similar run of bad luck a few years ago - I was sure my car had a giant magnet in it.
I don't think a self-admitted know-all saying this was Dave's fault helps in any way.
Why are you being rude?
If it was obvious, why do so few people appear to know or apply it? I do make a living telling people this stuff, all day, 5 days a week, very few follow this advice already, many struggle to do it, even with coaching.
Can't see where I actually said it was Dave's fault. That'll be your assumption, for which you attack me. My response was because a question was asked.
I think your suggestion that Dave could have parked further away from the shop might not have helped. I suspect he had his own reasons for being very close to the entrance.
I think the reply above was a bit abrupt and un-deserved, but you were preaching somewhat!
Don't take offence. I can see your advice was well-intentioned.
I think the reply above was a bit abrupt and un-deserved, but you were preaching somewhat!
Don't take offence. I can see your advice was well-intentioned.
