No Fault Accident Help

Author
Discussion

LoonR1

26,988 posts

176 months

Friday 13th June 2014
quotequote all
SydneyBridge said:
Check they are both not insured through the same company and have sorted it internally
Missed this one first time round. Intragroup claims are more rightly managed than other non intragroup claims. In a nutshell collision his a non starter and a serious matter for individuals as it's considered gross misconduct and for a company is a multi million pound fine in the making.

All in its BS

TwigtheWonderkid

43,248 posts

149 months

Friday 13th June 2014
quotequote all
LoonR1 said:
TwigtheWonderkid said:
If it were true (which I'm sure it isn't), and she got an engineers report that identified the fault and she had a recent service record showing car was well maintained, then why wouldn't it be a valid defence?
Sorry not clear. It would be, but there is no way that would be accepted. It's her responsibility to check that the car is roadworthy. Nobody else's. Trying to blame the manufacturer is extremely unlikely to succeed, unless the car has just rolled out of the showroom for the first time.
Ok, that was my point. Vehicle defects are a valid defence, if the driver has done everything that can reasonably be expected to avoid them and can prove the fault caused the accident.

Although I agree, very rare. But years ago I had some work done on my car to correct a steering problem. On the way home from picking it up, I had full steering failure. Luckily was only going slowly and never hit anyone. But had I done, I would have fought any claim against me. Car was towed away, and garage confirmed replacement part had completely failed. Could have been pretty nasty.

LoonR1

26,988 posts

176 months

Friday 13th June 2014
quotequote all
That's fine but I doubt this woman had just left a place where her brakes were repaired. She was on the phone and missed the lights. Simple as that.

TwigtheWonderkid

43,248 posts

149 months

Friday 13th June 2014
quotequote all
LoonR1 said:
That's fine but I doubt this woman had just left a place where her brakes were repaired. She was on the phone and missed the lights. Simple as that.
More than likely.

tbc

Original Poster:

3,017 posts

174 months

Thursday 26th June 2014
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He took his car to a "specialist in executive saloons" who came out with his clipboard and took a few photographs 10 days ago.

Phoned up today and they are still getting back to him with an outcome or even a date to get it fixed.

I'm not an expert on insurance timescales but i'm pretty sure two weeks without even a courtesy car offered is bordering on the ridiculous

CYMR0

3,940 posts

199 months

Thursday 26th June 2014
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Presumably the car is driveable though?

Otherwise I'd be following up with the insurer (whether my own or the third party's).

Has there been an admission of liability yet?

pork911

7,086 posts

182 months

Thursday 26th June 2014
quotequote all
What's going on regarding liability?

Is his car driveable?

Does he have a courtesy car entitlement under his policy? For how long?

tbc

Original Poster:

3,017 posts

174 months

Thursday 26th June 2014
quotequote all
pork911 said:
What's going on regarding liability?

Is his car driveable?

Does he have a courtesy car entitlement under his policy? For how long?
His car is still drivable, it just needs a new wing, i've checked it over and the steering, suspension is as it should be.

His policy says he should get a courtesy car, but since the car is drivable they seem to think he should do without for the time being.

Liability has been admitted but it seems two cock ups between insurance companies and assessor.

They took down his number wrong and then the assessor sent the report to the wrong insurance company who didn't have the common sense to pass it on to the correct company.

pork911

7,086 posts

182 months

Friday 27th June 2014
quotequote all
Unnecessary delay on repairs starting is annoying but does his policy really say he's entitled to a courtesy car to use in place of a drive able car before it goes into the garage?

CYMR0

3,940 posts

199 months

Friday 27th June 2014
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Agree with the above point although I would add that if there are protruding edges etc., then they would make the car dangerous to drive even if there is no increased risk to the driver or passengers.

anniesdad

14,589 posts

237 months

Friday 27th June 2014
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Both of these ^^

LoonR1

26,988 posts

176 months

Friday 27th June 2014
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Devils Advocate. Why is it unsafe when it's a result of a non fault accident but not a problem when self inflicted?

vonhosen

40,198 posts

216 months

Friday 27th June 2014
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tbc said:
pork911 said:
What's going on regarding liability?

Is his car driveable?

Does he have a courtesy car entitlement under his policy? For how long?
His car is still drivable, it just needs a new wing, i've checked it over and the steering, suspension is as it should be.

His policy says he should get a courtesy car, but since the car is drivable they seem to think he should do without for the time being.
Then he'd get the courtesy car whilst it's being repaired, not whilst his drivable car is available to him.


Scaf

24 posts

130 months

Friday 27th June 2014
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This is why I have dash cam.

Recent incident with me, other drivers fault but he refused to accept it......... dash vamp footage set the matter straight, best £60 I have ever spent....... have them in all our cars now....

tbc

Original Poster:

3,017 posts

174 months

Saturday 28th June 2014
quotequote all
Scaf said:
This is why I have dash cam.

Recent incident with me, other drivers fault but he refused to accept it......... dash vamp footage set the matter straight, best £60 I have ever spent....... have them in all our cars now....
Dash cam probably wouldn't have help because she hit hit side on and secondly the traffic lights are on a high gantry because the route is used mainly by artics

CYMR0

3,940 posts

199 months

Saturday 28th June 2014
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LoonR1 said:
Devils Advocate. Why is it unsafe when it's a result of a non fault accident but not a problem when self inflicted?
I don't know if that was aimed at me, but if my car breached C&U regs due to my own accident and I couldn't get it repaired immediately then I'd be onto my insurers (within the terms of the policy) for a courtesy car, even a C1, or if that wasn't available to me, I'd be at Hertz or on public transport.

TonyTony

1,880 posts

157 months

Monday 30th June 2014
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I recently had a none fault accident and after reading this just did another quote on a car I had previously got a quote on with moneysupermarket.com.

I used the same details and added the Non fault accident with no loss of no claims and it only went up by £3.

tbc

Original Poster:

3,017 posts

174 months

Tuesday 1st July 2014
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TonyTony said:
I recently had a none fault accident and after reading this just did another quote on a car I had previously got a quote on with moneysupermarket.com.

I used the same details and added the Non fault accident with no loss of no claims and it only went up by £3.
Well that's what he's hoping will happen, obviously they'll claim inflation or something and stick it up a bit.

However this insurance company (a big name beginning with E and ending in what santa rides on )their handling of it leaves a lot to be desired

Three weeks since the accident and two weeks since it was inspected and still nothing has been done despite him calling every few days.

They did give him the number of a solicitor when he reported which was obviously for ambulance chasing reasons.

Wonder if phoning the solicitor would give things a kick up the arse

CYMR0

3,940 posts

199 months

Tuesday 1st July 2014
quotequote all
tbc said:
this insurance company
His or hers?

Whichever one it is, he should get in touch with the other and ask them to progress things.

tbc

Original Poster:

3,017 posts

174 months

Tuesday 1st July 2014
quotequote all
CYMR0 said:
tbc said:
this insurance company
His or hers?

Whichever one it is, he should get in touch with the other and ask them to progress things.
His insurance deal with everything then claim in back from the other party

By fathers car is a modern saloon and the wing is about 6in thick when you look under the bonnet.

Seems her car was a little puddle jumper and looked like a total write off.