Wrong thread
Think this is ment to be in Grumpy thread in reply to @yasifa?
Congrats anyway
yeah how that happen
Wrong thread
Think this is ment to be in Grumpy thread in reply to @yasifa?
Congrats anyway
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.
Suppose 3 people going into the back of me over 6.5 years could have been avoided also.....
the ombudsman or some one needs to looking in to these hikes for non fault its not fair at all
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.
Why?
If none fault / blame then costs can be recovered in full.
...but how do you avoid somebody rear-ending you when you are stood still at traffic lights?
You're so kind. But I paid for most of the above all that already on my IAM course!As you slow to a stop, control following traffic by slowing early, not arriving and braking firmly.
Doesn't work if you have been stopped for 15 seconds though does it?
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.
Exactly! Or, as in my case, stopped for some time, with a car ahead of me at the lights (at least I left a gap so I didn't get shunted in to the car in front), and steel railings to my left so nowhere to go.
No charge.
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.
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.
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.