Emma first Accident
Discussion
Hi all just after some advice and to what happens now and liability, i guess I'm getting screwed for it. Emma crashed the focus this morning when a bin lorry stopped without warning on wet road the cars inferno of emma only just avoided it and emma bumped the back of them focus is a write of as its only worth 500quid. as its mu car and on my insurance does that mean it will be me that forks out and is it unfortunately emmas fault? the good news is no-one was hurt but the bin lorry was oblivious to the shunt and departed as quick as a bin truck can go?
vinnie01 said:
Hi all just after some advice and to what happens now and liability, i guess I'm getting screwed for it. Emma crashed the focus this morning when a bin lorry stopped without warning on wet road the cars inferno of emma only just avoided it and emma bumped the back of them focus is a write of as its only worth 500quid. as its mu car and on my insurance does that mean it will be me that forks out and is it unfortunately emmas fault? the good news is no-one was hurt but the bin lorry was oblivious to the shunt and departed as quick as a bin truck can go?
Try again without predictive text - Or at least read wot you rote !
basically bin lorry stops on wet road suddenly. 4 cars E-Stop to avoid it. Emma not quick enough = crunch into back of cars in front. all drivers seem ok at scene, Emma in MY car MY insurance. will i be forking out for everyone? thats the gistPebbles167 said:
Is Emma insured? If so, is she a named driver on your policy, or are you both comprehensively covered by individual policies?
If the answer is yes, then you're ok. If not, you might have to dig into your pocket.
Arse so its looking like her fault and Muggins here has to fork out :'( If the answer is yes, then you're ok. If not, you might have to dig into your pocket.
Just how close was the driver to the bin lorry not their braking lights?
Stopped suddenly won't be a good enough excuse as the driver was a) too close b) thats what they do on their rounds, c) they aint exactly moving fast when they are driving round.
Not what you want to hear but if a truck was rear ended then its the fault of only one person.
Stopped suddenly won't be a good enough excuse as the driver was a) too close b) thats what they do on their rounds, c) they aint exactly moving fast when they are driving round.
Not what you want to hear but if a truck was rear ended then its the fault of only one person.
vinnie01 said:
Arse so its looking like her fault and Muggins here has to fork out :'(
If Emma was insured, even third party, the other drivers will be compensated. But if it was only third party, then you won't be and will have to pay for the car.
Read the lettering of your insurance policy.
she's a named driver on my policy sadly we own one car between us (skint students) beans and pasta it is for a while. I've no intention of claiming the yound driver excess for under 25 makes the excess equal to the car insured value. will i still have to pay that if others claim on me with her being a young driver?
vinnie01 said:
the truck braked suddenly setting of a cascade of E -stops in front of emma and she wasn't quick enough. Oh well i guess ill have to ban her
It's a bin lorry. Yes he should have put on an indicator, but he is well within his right to emergency stop if someone ran out in front of him etc. Being a bin lorry, drivers should be expecting him to stop. It's also a big massive heavy bin lorry, just how quickly can it stop compared to all these numpties behind him?!You're insured so you don't have to fork out, just the excess when it comes to getting the pay out on the Focus you agreed to with the policy.
vinnie01 said:
she's a named driver on my policy sadly we own one car between us (skint students) beans and pasta it is for a while. I've no intention of claiming the yound driver excess for under 25 makes the excess equal to the car insured value. will i still have to pay that if others claim on me with her being a young driver?
If you are both comprehensively insured, you could claim, but as you've pointed out, the excesses and record of a claim might make it rather pointless to do so.Sorry bud.
vinnie01 said:
she's a named driver on my policy sadly we own one car between us (skint students) beans and pasta it is for a while. I've no intention of claiming the yound driver excess for under 25 makes the excess equal to the car insured value. will i still have to pay that if others claim on me with her being a young driver?
You're going to be paying the excess, and losing your NCB, anyway - because, yes, any damage to those she hit (and those they hit) is coming off your policy. So you might as well add your car to the list, it's not going to cost you any extra.TooMany2cvs said:
vinnie01 said:
she's a named driver on my policy sadly we own one car between us (skint students) beans and pasta it is for a while. I've no intention of claiming the yound driver excess for under 25 makes the excess equal to the car insured value. will i still have to pay that if others claim on me with her being a young driver?
You're going to be paying the excess, and losing your NCB, anyway - because, yes, any damage to those she hit (and those they hit) is coming off your policy. So you might as well add your car to the list, it's not going to cost you any extra.vinnie01 said:
i love her optimism the only real damage is a scratch on the car in from it the focus that took the brunt of it. She's not dealt with situations like this before. ill bet i get a tonne of whiplash/can't work/im paralysed claims .....
Not your problem. Someone may try that, but thats the insurance companies issue (Other than the rather nebulous thing of increasing everyones insurance policies, which is a valid thing to get angry about, but not a reason to personally worry).Let the insurance co deal with it. It's already going to them, it sounds like you don't NEED the car and could live without it, so just let them get on with it.
All you will hear about whiplash will probably be some ambulance chaser calling you to "follow up on your recent injury".
You will have to pay your excess, but the the insurance co will probably give you something for the car, so you may have lost that, but should balance out some of your loss.
Sounds like everyone was a bit to close, but people make dumb mistakes, especially when they are newish drivers. Just be thankful no one was hurt.
Edited by SteveSteveson on Friday 20th February 09:53
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