Rear Ended - Options?
Discussion
A delightfully aggressive chap decided to deliberately rear end me whilst I was stationary in a residential side road whilst I was puling out onto a junction after I decline to fight him. He apparently took exception to me or my car (genuinely, I did not call him rude names etc.)
I spoke to my insurance company who have his details and have checked he's on the MID. Now my insurance company have decided my car is a write off. They would spend £5k repairing it but only offering £6.5k as a payout (less a £1k excess which may be recoverable using my motor insurance solicitors)
To replace the car would be nearly £9-£10k.
I reported this incident to the police who are yet to talk to the third party. He sped off without leaving his details and I suspect he may have been drink driving.
Now I'm wondering if I should be claiming from the third party's insurance? They are supposedly 'investigating' which could take weeks. As far as I'm concerned, it's a no brainer - he hit me in the rear, deliberately no less.
Can anyone offer any advice as to what I should do or where I should claim from? The TP insurance are still trying to establish liability as the TP has written some kind of statement which I suspect has a different version of events (what this may be, I'm not sure?!)
I see some people suggest an accident management company but all I want is to be put in a fair financial position as this was NOT my fault in any way.
Any help is appreciated, in all my years of driving I've never been in a motor collision.
Thanks
I spoke to my insurance company who have his details and have checked he's on the MID. Now my insurance company have decided my car is a write off. They would spend £5k repairing it but only offering £6.5k as a payout (less a £1k excess which may be recoverable using my motor insurance solicitors)
To replace the car would be nearly £9-£10k.
I reported this incident to the police who are yet to talk to the third party. He sped off without leaving his details and I suspect he may have been drink driving.
Now I'm wondering if I should be claiming from the third party's insurance? They are supposedly 'investigating' which could take weeks. As far as I'm concerned, it's a no brainer - he hit me in the rear, deliberately no less.
Can anyone offer any advice as to what I should do or where I should claim from? The TP insurance are still trying to establish liability as the TP has written some kind of statement which I suspect has a different version of events (what this may be, I'm not sure?!)
I see some people suggest an accident management company but all I want is to be put in a fair financial position as this was NOT my fault in any way.
Any help is appreciated, in all my years of driving I've never been in a motor collision.
Thanks
Edited by carbonblack on Friday 13th January 13:32
Your insurance company should be purusing the insurance company of the person who drove into the back of your car and you should be calling them regularly for updates as to progress. Give your insurers a clear statement as well as pictures and details of any witnesses.
I'd also be on to the police about the failure to stop and exchange details of the other driver.
The insurance payout should put you back in the position you were pre accident and if they are writing off your car you'll need £9/10K. Be prepared to supply the insurers with ads for similar cars if their payout comes upi short.
Don't think that just because you were not at fault the insurance and police will do the right thing, be prepared to fight your corner and keep on them daily for updates.
Good luck.
I'd also be on to the police about the failure to stop and exchange details of the other driver.
The insurance payout should put you back in the position you were pre accident and if they are writing off your car you'll need £9/10K. Be prepared to supply the insurers with ads for similar cars if their payout comes upi short.
Don't think that just because you were not at fault the insurance and police will do the right thing, be prepared to fight your corner and keep on them daily for updates.
Good luck.
carbonblack said:
A delightfully aggressive chap decided to deliberately rear end me whilst I was stationary in a residential side road whilst I was puling out onto a junction after I decline to fight him. He apparently took exception to me or my car (genuinely, I did not call him rude names etc.)
But what happened, in general people don't just offer you out for a fight, then ram your carpits said:
But what happened, in general people don't just offer you out for a fight, then ram your car
oh but they do !I pulled out a side road onto a main road in the van, no one in sight in either direction. Around a mile down the road a car comes up behind me and I got overtaken by a old Volvo estate by millimetres who then proceeded to initially brake check the hell out of my van, and then pull into the oncoming lane and slam on the brakes again so he was next too me, before then trying to deliberately run me off the road. The whole time gesticulating like an lunatic trying to get me to stop for a bit of Punch and Judy going by his sign language. He then carried on his merry way as if nothing had happened !
I was doing the NSL as I don't hang about in my van , and had not pulled out in front of him as the road was dead straight and I could see for at least a 1/4mile too which there was no other cars. For no apparent reason he flipped his lid.
fastbikes76 said:
pits said:
But what happened, in general people don't just offer you out for a fight, then ram your car
oh but they do !I pulled out a side road onto a main road in the van, no one in sight in either direction. Around a mile down the road a car comes up behind me and I got overtaken by a old Volvo estate by millimetres who then proceeded to initially brake check the hell out of my van, and then pull into the oncoming lane and slam on the brakes again so he was next too me, before then trying to deliberately run me off the road. The whole time gesticulating like an lunatic trying to get me to stop for a bit of Punch and Judy going by his sign language. He then carried on his merry way as if nothing had happened !
I was doing the NSL as I don't hang about in my van , and had not pulled out in front of him as the road was dead straight and I could see for at least a 1/4mile too which there was no other cars. For no apparent reason he flipped his lid.
carbonblack said:
A delightfully aggressive chap decided to deliberately rear end me whilst I was stationary in a residential side road whilst I was puling out onto a junction after I decline to fight him. He apparently took exception to me or my car (genuinely, I did not call him rude names etc.)
I spoke to my insurance company who have his details and have checked he's on the MID. Now my insurance company have decided my car is a write off. They would spend £5k repairing it but only offering £6.5k as a payout (less a £1k excess which may be recoverable using my motor insurance solicitors)
To replace the car would be nearly £9-£10k.
I reported this incident to the police who are yet to talk to the third party. He sped off without leaving his details and I suspect he may have been drink driving.
Now I'm wondering if I should be claiming from the third party's insurance? They are supposedly 'investigating' which could take weeks. As far as I'm concerned, it's a no brainer - he hit me in the rear, deliberately no less.
Can anyone offer any advice as to what I should do or where I should claim from? The TP insurance are still trying to establish liability as the TP has written some kind of statement which I suspect has a different version of events (what this may be, I'm not sure?!)
I see some people suggest an accident management company but all I want is to be put in a fair financial position as this was NOT my fault in any way.
Any help is appreciated, in all my years of driving I've never been in a motor collision.
Thanks
Carbonblack OPI spoke to my insurance company who have his details and have checked he's on the MID. Now my insurance company have decided my car is a write off. They would spend £5k repairing it but only offering £6.5k as a payout (less a £1k excess which may be recoverable using my motor insurance solicitors)
To replace the car would be nearly £9-£10k.
I reported this incident to the police who are yet to talk to the third party. He sped off without leaving his details and I suspect he may have been drink driving.
Now I'm wondering if I should be claiming from the third party's insurance? They are supposedly 'investigating' which could take weeks. As far as I'm concerned, it's a no brainer - he hit me in the rear, deliberately no less.
Can anyone offer any advice as to what I should do or where I should claim from? The TP insurance are still trying to establish liability as the TP has written some kind of statement which I suspect has a different version of events (what this may be, I'm not sure?!)
I see some people suggest an accident management company but all I want is to be put in a fair financial position as this was NOT my fault in any way.
Any help is appreciated, in all my years of driving I've never been in a motor collision.
Thanks
Edited by carbonblack on Friday 13th January 13:32
Then Fastbike76 takes over as op
Then
fastbikes76 said:
oh but they do !
I pulled out a side road onto a main road in the van, no one in sight in either direction. Around a mile down the road a car comes up behind me and I got overtaken by a old Volvo estate by millimetres who then proceeded to initially brake check the hell out of my van, and then pull into the oncoming lane and slam on the brakes again so he was next too me, before then trying to deliberately run me off the road. The whole time gesticulating like an lunatic trying to get me to stop for a bit of Punch and Judy going by his sign language. He then carried on his merry way as if nothing had happened !
I was doing the NSL as I don't hang about in my van , and had not pulled out in front of him as the road was dead straight and I could see for at least a 1/4mile too which there was no other cars. For no apparent reason he flipped his lid.
I pulled out a side road onto a main road in the van, no one in sight in either direction. Around a mile down the road a car comes up behind me and I got overtaken by a old Volvo estate by millimetres who then proceeded to initially brake check the hell out of my van, and then pull into the oncoming lane and slam on the brakes again so he was next too me, before then trying to deliberately run me off the road. The whole time gesticulating like an lunatic trying to get me to stop for a bit of Punch and Judy going by his sign language. He then carried on his merry way as if nothing had happened !
I was doing the NSL as I don't hang about in my van , and had not pulled out in front of him as the road was dead straight and I could see for at least a 1/4mile too which there was no other cars. For no apparent reason he flipped his lid.
fastbikes76 said:
Well it certainly had nothing to do with me. I initially wondered if he had previously had a run in with one of our other van drivers and took it out on me.
This just seems weird.....OP can't tell why guy did what he did, but then another poster answers....I was merely replying to you, who inferred the OP must have done something to start it all off. I posted a scenario which happened to me whereby I did absolutely nothing and was still on the receiving end of some pretty mental road rage. The general consensus on here is 'Well you must have done something to start it' ...nope, sometimes you just cross paths with a nutter which may or may not be the case with the OP.
fastbikes76 said:
I was merely replying to you, who inferred the OP must have done something to start it all off. I posted a scenario which happened to me whereby I did absolutely nothing and was still on the receiving end of some pretty mental road rage. The general consensus on here is 'Well you must have done something to start it' ...nope, sometimes you just cross paths with a nutter which may or may not be the case with the OP.
Ah, I was reading it all wrong, it does read like you are the OP replying though, my fault thereThanks all for the advice.
Believe it or not, (as this is PH, not is most likely) this guy was seriously unhinged and seemed to be intent on fisticuffs for no apparent reason. Perhaps he wanted to try to write his car off, I don't know.
Mine came off significantly worse though, however I may have an option to repair it at a reasonable cost which I'm exploring at the moment.
Despite this I'll end up out of pocket I'm sure. Good way to start the year.
Believe it or not, (as this is PH, not is most likely) this guy was seriously unhinged and seemed to be intent on fisticuffs for no apparent reason. Perhaps he wanted to try to write his car off, I don't know.
Mine came off significantly worse though, however I may have an option to repair it at a reasonable cost which I'm exploring at the moment.
Despite this I'll end up out of pocket I'm sure. Good way to start the year.
pits said:
carbonblack said:
A delightfully aggressive chap decided to deliberately rear end me whilst I was stationary in a residential side road whilst I was puling out onto a junction after I decline to fight him. He apparently took exception to me or my car (genuinely, I did not call him rude names etc.)
But what happened, in general people don't just offer you out for a fight, then ram your carIf you are driving along minding your own business, and absolutely nothing wierd has happened with any other driver (no cutting up or whatever) how can someone offer you a fight? How, exactly, does that work? How does the 'offer' of a fight present itself?
It wasn't just some random bloke running into you. Something happened before there was car to car contact. Which is why you say the colision was AFTER you had had some sort of fight offer / fight decline interaction?
Just curious....
Edited by OddCat on Sunday 15th January 16:59
I can testify that some people are just unhinged and too quick to fisticuffs.
I was badly cut off on a roundabout exit by car A going straight round in the wrong lane and sounded my horn whilst avoiding the collision. I then exited the roundabout and immediately joined a slow moving queue. Car B in front stopped across the road and an angry man quickly got out approaching my car inviting me out also. He started effing and Jeffing about me sounding my horn at him. I pointed out that I had sounded my horn at another car entirely and he then looked very disappointed and retreated back to his car. I did smile.
Nutters abound everywhere in life but some take any perceived slight on their driving far too seriously.
I was badly cut off on a roundabout exit by car A going straight round in the wrong lane and sounded my horn whilst avoiding the collision. I then exited the roundabout and immediately joined a slow moving queue. Car B in front stopped across the road and an angry man quickly got out approaching my car inviting me out also. He started effing and Jeffing about me sounding my horn at him. I pointed out that I had sounded my horn at another car entirely and he then looked very disappointed and retreated back to his car. I did smile.
Nutters abound everywhere in life but some take any perceived slight on their driving far too seriously.
PhillippeDuLait said:
I can testify that some people are just unhinged and too quick to fisticuffs.
I was badly cut off on a roundabout exit by car A going straight round in the wrong lane and sounded my horn whilst avoiding the collision. I then exited the roundabout and immediately joined a slow moving queue. Car B in front stopped across the road and an angry man quickly got out approaching my car inviting me out also. He started effing and Jeffing about me sounding my horn at him. I pointed out that I had sounded my horn at another car entirely and he then looked very disappointed and retreated back to his car. I did smile.
Nutters abound everywhere in life but some take any perceived slight on their driving far too seriously.
Indeed had similar, car in front of me was taking its time parallel parking , I was in no rush so was happy to be patient, although it was on its 3rd attempt..Car behind less so, do used the horn. parallel parker then jumps out, straight up to my window asking for a fight, I declined the fight and told him im in no rush so take your time, the car behind is getting rather annoyed though...I was badly cut off on a roundabout exit by car A going straight round in the wrong lane and sounded my horn whilst avoiding the collision. I then exited the roundabout and immediately joined a slow moving queue. Car B in front stopped across the road and an angry man quickly got out approaching my car inviting me out also. He started effing and Jeffing about me sounding my horn at him. I pointed out that I had sounded my horn at another car entirely and he then looked very disappointed and retreated back to his car. I did smile.
Nutters abound everywhere in life but some take any perceived slight on their driving far too seriously.
People are aggressive and crazy. People do offer you out for a fight for no reason, well the reason is they are in a bad mood and having a bad day perhaps running late and angry at themselves.
I had a chap offer me out for a fight at a petrol station because I had the audacity to be taking too long paying for my petrol due to an error with the till, wrong person, wrong petrol mix up. It happens.
I had a chap offer me out for a fight at a petrol station because I had the audacity to be taking too long paying for my petrol due to an error with the till, wrong person, wrong petrol mix up. It happens.
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