Elizabeth13
New member
- Joined
- Feb 18, 2011
- Messages
- 33
- Points
- 12
Hi all
Just looking for some opinions, advice or recommendations.
I had an accident on a very busy large city roundabout, where i was slowly moving forward to join when being hit by someone else. The front of my car was only over the line about a foot on the right side, the left still behind the line (the road markings curve).
It was a green light to allow me forward to the edge of the roundabout - but not to directly let you on, but this is irrelevant as i cannot prove it and have no witnesses that stopped - so i know he went through a red light and was rushing to beat traffic but this can't be proven.
Regardless, the driver (after stalling 5 months) finally divulged his route and admitted to my insurance company that he was knowingly in a "Left Hand Turn Only" lane and failed to turn left (he would have essentially avoiding using the roundabout by just slipping off to his left, the exit before me where i was sat waiting. So now it is clear he was skipping traffic, going too fast, through a red light (but my word against his), and did not indicate he was going to change lanes to come towards me instead of turning off.
Now the problem. My insurance company say i am to blame completely. Their reasons being:
1. They cannot prove he changed lanes.
2. By the time he didn't turn left i would have known this and so knew he wasn't turning left.
I have tried explaining to them that he said he was in a left hand lane, and when the collision then occurs in another lane that clearly means and is proof he has changed lanes. It appears i am talking to myself though, and is the only person who thinks this is proof?
I have also told them that when a car is going about 15mph or more, and doesn't turn off on this roundabout, then there is literally a split second between him not turning off and reaching me. The way they worded it, it is as if they are saying i intentionally have caused this accident!
Has anyone else had similar problems? Does anyone know anyone i may be able to contact to get help and advice about this?
The excuses they have given for why it's my fault sound ridiculous to me! Surely if i am going to be blamed then they need better excuses than those two explained above??
Considering it will put my insurance up £500 being at fault for this, it's not really something i want to just shrug off.
Just looking for some opinions, advice or recommendations.
I had an accident on a very busy large city roundabout, where i was slowly moving forward to join when being hit by someone else. The front of my car was only over the line about a foot on the right side, the left still behind the line (the road markings curve).
It was a green light to allow me forward to the edge of the roundabout - but not to directly let you on, but this is irrelevant as i cannot prove it and have no witnesses that stopped - so i know he went through a red light and was rushing to beat traffic but this can't be proven.
Regardless, the driver (after stalling 5 months) finally divulged his route and admitted to my insurance company that he was knowingly in a "Left Hand Turn Only" lane and failed to turn left (he would have essentially avoiding using the roundabout by just slipping off to his left, the exit before me where i was sat waiting. So now it is clear he was skipping traffic, going too fast, through a red light (but my word against his), and did not indicate he was going to change lanes to come towards me instead of turning off.
Now the problem. My insurance company say i am to blame completely. Their reasons being:
1. They cannot prove he changed lanes.
2. By the time he didn't turn left i would have known this and so knew he wasn't turning left.
I have tried explaining to them that he said he was in a left hand lane, and when the collision then occurs in another lane that clearly means and is proof he has changed lanes. It appears i am talking to myself though, and is the only person who thinks this is proof?
I have also told them that when a car is going about 15mph or more, and doesn't turn off on this roundabout, then there is literally a split second between him not turning off and reaching me. The way they worded it, it is as if they are saying i intentionally have caused this accident!
Has anyone else had similar problems? Does anyone know anyone i may be able to contact to get help and advice about this?
The excuses they have given for why it's my fault sound ridiculous to me! Surely if i am going to be blamed then they need better excuses than those two explained above??
Considering it will put my insurance up £500 being at fault for this, it's not really something i want to just shrug off.