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Old 10-10-2006   #1
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Crash

A van drove into the back of me at a junction today. Feel OK luckily as only hit me about 10mph, but insurance turning into a pain rang at 8am they said best to go through legal line as 100% their fault as in rear, but currently van co. won't admit liability and now being told if this is the case have to go back to original claims process, pay excess, get repair and then claim all back. To me seems like a day wasted, as could have just got on with it in 1st place. Now agreed to wait until 3pm to see if any developments re. van company changing stance!

Only damage seems to be all bumper split across middle, so hopefully only needs a new bumper, just want to get it off to repair centre now
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Old 10-10-2006   #2
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Re: Crash

Maybe too late now but best thing in a case like this is digi camera with voice recorder (for evidence). Also helps to have police report if possible.
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Old 10-10-2006   #3
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Re: Crash

Yep my biggest regret afterwards was I didn't get my camera phone out to take pic of van wedged in back! But you don't think of these things my first concern was getting out & getting the reg.

Anyone know how these things work now as he has admitted full liability and ins co. are sending me a form to detail all of my costs and pains. Went to docs and he said cannot see any bruising etc but I do have neck & back twinges currently, do you get compo even for these minor pains if touch wood that is all I have and they go after a few days? Ins. co. seem keen for me to speak to their solicitors ASAP. Kids seat was in rear too, but seems OK, they've told me have to get confirmation from Maxi Cosi as to whether it needs to be replaced as some have tolerances.

Hire car now being porcessed, but no time contract with hire cos, seem they rely on the sooner co. get it to me the sooner they get their cash from insurers.

Also repair co. will contact me within 48 hours, anyone have experience of insurance repairs, my last was about 10 years ago on a Nova and they put ripples in the newly sprayed bonnet, had to be redone and even more trouble to get put right
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Old 10-10-2006   #4
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Re: Crash

Phone their insurance, ask them what they're upto.
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Old 10-10-2006   #5
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Re: Crash

Have a fantastic company here called Helphire, don't know whether they're nationwide but they do the lot for you, supply you with a hire car OF YOUR CHOICE delivered, take your car away, get it fixed, do all the drudgery AND have a team of advisors re injury claims.

It has to be a no fault accident on your part, if so then you're laughing (well wincing usually with a hit in the back)

Claim for everything you can , time off work, time spent on phone calls, claim for the excess etc, write it all down, time spent going to get car, time spent returning car as colour doesn't match etc etc. It gets quite expensive when you add it all up

Neck injuries usually surface a few days after the event and can give all sorts of problems so wait and see what happens. Even 10mph is quite a shock to the back and neck

Getting hit in the back is inexcusable in my book. The offender should be shot in the back of the head. It's totally avoidable. Time and space and all that

Still .......


Could be worse

Click image for larger version

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Oh and it's best not to store the camera in the boot!
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Last edited by Deckchair5; 10-10-2006 at 19:22.
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Old 10-10-2006   #6
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Re: Crash

I don't understand any of this. YOUR insurance company should arrange for you to have a hire car, and arrange collection of yours for repair!!! You should not have to pay anything up front at all. Who is your insurer? A not at fault accident if what you describe occured.

Don't contact their insurers, that's your insurers job. Let them sort it out.
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Old 10-10-2006   #7
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Re: Crash

Quote Originally Posted by bozzy
I don't understand any of this. YOUR insurance company should arrange for you to have a hire car, and arrange collection of yours for repair!!! You should not have to pay anything up front at all. Who is your insurer? A not at fault accident if what you describe occured.

Don't contact their insurers, that's your insurers job. Let them sort it out.
The thing is as soon as you make a claim on your own insurance (even if just for a hire car) then your no claims is at risk. If you only claim against the other party then your NCD is safe as houses.

I think a lot of this comes down to whether you have Legal Assistance or not as part of your policy.
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Old 10-10-2006   #8
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Re: Crash

He has admitted full blame now waiting for a hire car that will come too late to use for work tomorrow and the repairer to collect car - Milton Keynes Car Company, shame as a Pennings is only 2 miles from my door.

So any other advice on the claim side of things as a solicitor has just rang asking for details of pains and any other issues, she is sending me a form, she said pain that lasts for a week is written off, but twinges for a month could be worth a 1k pay out, currently most of my right side aches but only very slight, really hope it goes rather than get the cash

So any advice / help on claim stuff?

Cheers
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Old 10-10-2006   #9
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Re: Crash

pm bunny.. her sister is currently dealing with a non-fault crash. She didn't deal with her insurance, and went straight to the at-fault insurance; got a hire car (mini cooper s) on a par with what she was using before (bmw 318 compact); wont be losing any no claims or excess; got a decent payout for the car and bought it back to be repaired for a few hundred less than she got; personal injury to follow.

Your own insurance company won't help you much as they want to in general keep claims down.. A serious case of you scratch my back, I'll scratch yours.
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Old 11-10-2006   #10
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Re: Crash

Hmmmm, insurance companies I (some of you may already be aware) had a motorbike accident last October, another bike decided to overtake a car as I was overtaking them both, broadsided me and sent me down the central reservation and into an imposing lamp post that didn't give way. Broke both my arms and legs, spent over 2 months in various hospitals and have just returned to work (sympathy here please ), anyhow, there is a witness who has said it was the other rider's fault but he is denying liability ( ) stating that I ran into him and my statement contradicts that of the witness (not surprising as it was no small accident 12 hours on the table and 3l of blood afterwards - more sympathy).
I could go on about the hospitals , but I won't. The biggest effer is that we are both insured with the same insurer. 3k possible payout versus 100k+ (OK a bit more than broken legs and arms), who are they going to side with? the lowest payee so I await more medicals, more consultations and more time spent attending physio while awaiting
court date for liability which can't be done until the cps report is received which appears to have been lost, so have to wait for police interview facility to be arranged. Not surpring that people lose houses after an accident
It was a 2004 R1 if interested
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Old 11-10-2006   #11
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Cool Re: Crash

How much more of this kind of crap do we stilo owner have to take it looks like there's been a hunting season declared on us
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Old 11-10-2006   #12
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Re: Crash

I was passed straight to the insurers legal dept as not my fault and they have been good so far, I see what you mean though about all keeping each other happy.
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Old 13-10-2006   #13
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Re: Crash

Hire car delivered 1.4 petrol C3

Repair co. now moaning that I took pi** by saying car not driveable as it only has 2 large cracks in the rear bumper. Told him not happy to drive with bumper bashed by a transit and having 2 year old and 6 month old in rear consider unsafe by me.

Hope I do not get done for his as insurance co. asked if I could drive car & I told them yes but not willing to incase someone hit me up rear before they collect it or as before no way two babies going in rear. On this basis they agreed to collect car from home & give me instant hire car use
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Last edited by HornetUK; 13-10-2006 at 23:23.
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Old 14-10-2006   #14
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Re: Crash

Be warned, I had someone rear end my last car and it went against me. How crap is that.

Long story short, it was a technicality that wouldnt stand up in court according to the legal team at direct swine.
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Old 14-10-2006   #15
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Re: Crash

Mine have gone cash crazy so far hire car, for to fill in expenses etc. Ive been led to believe he just rang up & told his insurers he drove into the back of me
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