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General Early Xmas present - unwelcome variety

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General Early Xmas present - unwelcome variety

ABZSTILO

ABZSTILO

Inverness Sierra
Written a guide
Joined
Dec 4, 2005
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Inverness
So there I was on Thursday night, just finished a 12 hour shift at Coastguard towers Aberdeen and making for sunny Dinnet with a smile on my face as it had been a good day when - out of nowhere - some silly wee student lassie in a Fiat Punto drives right into the side of me on a dual carriageway :mad:

Did she stop? Did she buggery..... so a gentle paced pursuit across a bit of Aberdeen during the late night shopping traffic :mad: (whilst using the hands free kit to call the bobbies and advise of someone fialing to stop at a RTA) saw us end of in a supermarket car park.

Boy, was it fun - not(n)

However, and without going into too much detail folks, I also had the boyfried turn up and get all stroppy (to begin with, but he calmed down), her 2.5 year old kid who got a bit upset as he was in the car with her..... oh, and an abusive mobile 'phone call from the girls mother :D

Was I having fun - was I heck as like:bang:

Upshot of it is, my local garage has quoted me (at pals rates) some £450 to get the car fixed, wee student lassie can't afford this so it's off to the insurers we go :( just how long do we think this will all take to get sorted?? Bloody weeks.

Joy, just as the Stilo and I were getting on a lot better some silly wee girl with real lane change and blind spot issues manages to ruin my cars good looks.

Thanks a lot Santa - and I was a good boy this year:D
 
I feel for you ABZ

I bet she was only going down to the shops to get some presents for her dear old Mum but she had to swerve to avoid a fallen leaf and your big, bad Stilo just got in the way a little. Shame on you:confused:

Hope it comes out better than when it went in:)
 
But of course you had her arrested? She needs prosecuting! 5 healthy points on her licence and ballsed insurance for the next 5 years! 'Cos regardless of blame you need to tell your insurer and that WILL make a difference on your quotes for the next 3-5 years! I'm still feeling it after a drunk chav smacked my mini!
 
That is a bummer!

Just interested but did she admit liability and did the police show up?

Yeah surely your insurance will sort it all out immediately and claim it all back for you or are you trying to avoid telling your insurers? I was advised in a third party claim to immediately write to the person stating that you held them fully responsible and that you would be seeking 100% of costs from them. Make sure you get a proper receipt for any work undertaken so you can claim back via the courts if it gets messy.

Accidents are a real pain, Stiloboy is right, regardless of fault an accident on your record will affect your future premium.
 
thepottleflump said:
Accidents are a real pain, Stiloboy is right, regardless of fault an accident on your record will affect your future premium.
Click to expand...


yup- i got rear ended in my old car through no fault of my own and my insurance went up by £200 a year.

went up a lot more though when I managed to put the stilo in a motorway barrier when i was going in a straight line! Gone down since though, cheapest its ever been this year- £930 (plus I get interest free payments)
 
thepottleflump said:
Stiloboy is right, regardless of fault an accident on your record will affect your future premium.
Click to expand...

I don't agree. It's recorded that you have made a claim but it's a "Not at Fault" situation. The premium could have gone up regardless of the accident so don't confuse the two.
 
ABZSTILO,

If I was you I'd go in real heavy on this one - plenty of photographs - witness statements - police reports etc.

I was once rear ended :mad: by a lying piece of **** in a 10mph zone, on a private road within a school would you believe! My motor suffered minimal damage so decided to let it ride on the basis she'd learnt her lesson as her motor was a mess.

About a year later her insurance company tried to do me for effectively reversing into her!!! I went pretty ballistic as you can probably imagine but my insurance company (who apparently have a rather poor grasp of the laws of basic physics) decided against a court case and just settled for a 50:50 on the basis of my word against hers (interestingly, this had zero effect on my no-claims due to the one year delay).

Moral of the story is always get plenty of evidence and hang onto it.
 
I feel for you ABZ... I agree that you should make her (or her insurance) pay for the damages.
Had a bit of a mishap myself this weekend... I drove into the side of my own car... with my bike. To cut a long story short, I had a pint too many and dented my Stilo when I pulled my bike into my garage and misjudged the gap between the car and the wall. Felt like a real twit afterwards :(
 
Make sure you do this properly as you shouldn't end up out of pocket.

A lorry reversed in to my old brava, whilst parked outside work (and managed to hit 5 other cars at the same time!).

My insurance company passed me on to a third party company that sorted everything out for me. Assessors came to my work to sort out quotes. Provided me with a hire car (Focus) not a courtesy car all delivered and picked up from home/work and could claim any expenses incurred!

Didn't cost me a thing, excess paid for, no claims bonus wasn't effected and premium didn't go up
 
2 weeks ago I had a big branch pulled down by a lorry ahead of me. Braked hard but it still hit the bumper and bonnet. Bumper was able to be pushed hard and got back into shape, but the bonnet will need attention for the dents in the new year. Glad I managed to slow down enough, as I wouldn't have wanted it to hit the windscreen and A-pillar... Of course, then last week some kind considerate soul decided that the year old Corsa of ours would be an easy target to get a tankfull of petrol by cutting the fuel lines. Needless to say when the AA-man sorted a temporary repair there was a full tank of petrol still in the car as you need the engine on to get fuel from the tank. So those w@nkers cost me time, effort and money to have it fixed, for no gain at all...

And when I had a car written off (12 Feb 2001) my premium didn't increase as it was the other drivers fault. And this year when I did make a claim my premium didn't increase, perhaps since I'd just renewed, negotiaing a nice discount. If I could save £200 then before long they'd be paying me!
 
Last edited:
Agree all you like Bozzy, its your right! However, i have 2 insurance policies, one for Stilo one for Mini, my Stilo policy was clearly unaffected as there is no claims on that policy. I have not moved address or changed circumstances, and my policy is dropping year on year. My mini policy which has a no blame claim on it, has sky rocketed regardless of which firm i try to get insurance firm i go with! I'd say without a doubt that my policy has been affected to the tune of £100.
 
Argonought said:
ABZSTILO,

If I was you I'd go in real heavy on this one - plenty of photographs - witness statements - police reports etc.

I was once rear ended :mad: by a lying piece of **** in a 10mph zone, on a private road within a school would you believe! My motor suffered minimal damage so decided to let it ride on the basis she'd learnt her lesson as her motor was a mess.

About a year later her insurance company tried to do me for effectively reversing into her!!! I went pretty ballistic as you can probably imagine but my insurance company (who apparently have a rather poor grasp of the laws of basic physics) decided against a court case and just settled for a 50:50 on the basis of my word against hers (interestingly, this had zero effect on my no-claims due to the one year delay).

Moral of the story is always get plenty of evidence and hang onto it.
Click to expand...

That is the point of writing to the person informing them that you hold them fully responsible and detailing the accident, often worth bunging in a diagram. Even if you fail to follow up the letter you have evidence to a certain extent.

bozzy said:
I don't agree. It's recorded that you have made a claim but it's a "Not at Fault" situation. The premium could have gone up regardless of the accident so don't confuse the two.
Click to expand...

Use an online system and add claims regardless of fault and generally you will find a small increase in premium. If it wasn't factored in they wouldn't ask you to declare all accidents and claims regardless of fault. All goes into the computer which calculates risks and resultant premium I'd guess.
 
thepottleflump said:
Use an online system and add claims regardless of fault and generally you will find a small increase in premium. If it wasn't factored in they wouldn't ask you to declare all accidents and claims regardless of fault. All goes into the computer which calculates risks and resultant premium I'd guess.
Click to expand...

I am a senior manager in the largest insurance software provider throughout the UK. We create the programs that end up on the broker/Insurer sites. It is at the request of each insurer that we give them an option to be able to load the premium or not. In this situation it is a simple yes/no, not at fault cannot be loaded. We run in excess of 14000 test quotes a week which includes the above scenario. In 15 years in this game I have yet to come across anybody (other than Stiloboy) who's insurance has been directly affected by a not at fault declaration.
 
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