Rear end collision liability question
Discussion
I am hoping some more knowledgeable PH'ers could shed some light on this issue.
Last weekend my wife, daughter and I were sat waiting to turn right into our drive (main A road, 60 limit). Wife was driving, car stationary and indicating. Two cars had come to a complete halt behind us. A third vehicle came speeding along, failed to stop in time and shunted all cars into one another. Thankfully no serious injuries. As I understand it, under normal circumstances the rearmost driver's insurance would be liable to all other parties for repairs etc. It turns out however that the driver at fault was uninsured along with certain other infringements. Under these circumstances can we claim against the insurance of the car that actually impacted with us? Or is it a matter of making a claim on our own comprehensive insurance and accepting the increased premiums etc? The damage is not significant, just scratches and slight misalignment, but repair companies approached have suggested that the entire rear bumper needs replacement as it may be less effective in the event of a repeat impact.
Any guidance would be gratefully received.
Russ
Last weekend my wife, daughter and I were sat waiting to turn right into our drive (main A road, 60 limit). Wife was driving, car stationary and indicating. Two cars had come to a complete halt behind us. A third vehicle came speeding along, failed to stop in time and shunted all cars into one another. Thankfully no serious injuries. As I understand it, under normal circumstances the rearmost driver's insurance would be liable to all other parties for repairs etc. It turns out however that the driver at fault was uninsured along with certain other infringements. Under these circumstances can we claim against the insurance of the car that actually impacted with us? Or is it a matter of making a claim on our own comprehensive insurance and accepting the increased premiums etc? The damage is not significant, just scratches and slight misalignment, but repair companies approached have suggested that the entire rear bumper needs replacement as it may be less effective in the event of a repeat impact.
Any guidance would be gratefully received.
Russ
She was in touch with her insurers directly. Got passed to a "claims management co." who have now dropped her like a stone since there is no easy path for liability.
I'll see if she has legal cover, maybe the uninsured party can be pursued by that means?
Unforutnately other than vehicle details we don't have details of all parties. Despite only minor injuries most were carted off for checks by ambulances or in the case of the guy at the back, carted of in a police van !!
I'll see if she has legal cover, maybe the uninsured party can be pursued by that means?
Unforutnately other than vehicle details we don't have details of all parties. Despite only minor injuries most were carted off for checks by ambulances or in the case of the guy at the back, carted of in a police van !!
Well, after some discussions with Swinton it appears her indoors has specific cover for protection in the event of uninsured driver events so she should be safe from no claims loss and hopefully the driver at the back will be pursued for their out of pocket costs.
We'll see come renewal time if there is any effect.
Regardless, looks good so far
We'll see come renewal time if there is any effect.
Regardless, looks good so far
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