Emma first Accident

[vinnie01]

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]

Dyslexic sorry 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 gist

[vinnie01]

Pebbles167 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 :'(

[vinnie01]

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

[vinnie01]

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]

ugh thanks guys at least the premium isn't affected till renewal day :/ might not bother with a car for a while, it gets too expensive

[vinnie01]

ARH said:

there is only one reason a driver runs into the back of another car, it was too close. end of story. drivers fault.

thanks =/ i had better brace for impact...

[vinnie01]

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 .....

[vinnie01]

Just seen the photos of the 2 cars she hit. well hit one pushing it into the other and it looks from the photos like bumpers only but we'll have to see

[vinnie01]

Du1point8 said:

Dont bet on it... My Ex nudged someone at 3-5mph, they went onto empty roundabout and stopped (claimed they accidentally hit the brake) and we rolled into them.

Apparently we cause £8k of damages to them, we had no damage to our fiat bumper and there was no damage to theirs.

even if you had pics to prove the damage level?

[vinnie01]

Martin4x4 said:

Why do so many people have difficulty understand the very simple concept that if you crash into the back of somebody else that it is your fault for driving too close or fast.

Thankyou for your wonderfully helpful comment. I wasn't shirking responsibility i was simple asking what happens next and a verification of something i had already assumed

[vinnie01]

dont understand the custard/sausages comment but heres the Darling o/h

[vinnie01]

too late i suspect ....

ohwell banter is a fun thing

[vinnie01]

Monkeylegend said:

I am here all evening

Mercifully not our Sprog her friends seem to enjoy playing pass the infant. Id be a bloody awful parent

[vinnie01]

Providing things are as they seem Ive just acquired a replacement set of panels in the right colour so result. no word off the 3rd party yet... Should i make emma contact them if we don't hear?