Swerved to miss car a middle of the road ended up on side

[Si 330]

Yesterday morning my son on his way to work, country lane, Eccup lane north Leeds, luckily he was going slow as there a lots of blind sharp bends and cars can go down at relative speed.
As he approached a corner a van travelling fast was in the centre of the road, he swerved to miss the van, in doing so he put his wheels on the edge of the verge which is a steep incline, this flipped him on to the side.
Luckily a lady behind witnessed and confirmed, also called the police.
The van stopped so we have there details, they admitted fault to the police.

His car will be written off, low value Peugeot partner, its his first car with insurance renewal the end of this month, so close to his 1 year no claims.
The dilemma is take it on the chin, salvage any money he can from the scrappy and get his no claims.

Not sure how successful he would be claiming against the van driver as no contact was made between the two vehicles.

Anybody had experience of such a claim?

[Djtemeka]

With witnesses and a fault admission he will be ok BUT regardless of who’s fault it was, your son now has a claim.
He will get NO no-claims discount and his insurance will rocket.

I’ve had 2 claims. A non fault accident and malicious damage. Both sent my insurance up. Regardless of fault.

As a young driver, he’s fked…. Sorry

[doggydog33]

Back in the 90's, I was on a motorbike and a car pulled across my path. I had to take avoiding action. I hit gravel whilst braking to avoid hitting the car and the bike went down.
I was ok, got up, had an argument with the guy who insisted it wasn't his fault and had nothing to do with him!
I took his details and it all went through the insurance. He was found at fault and I was paid out in full even though there was no contact between the two vehicles and no witnesses.

Regards, doggydog.

[CelebrationSport]

In my case I had 2 non fault claims and still received the no claims bonus for those years, so unless it’s changed since you should still get them if it’s proven to be not your fault. Maybe insurers have changed tack since? This was around 6-7 years ago.

There may also be some personal injury given the circumstances so financially it may even up in the end.

Edited by CelebrationSport on Wednesday 12th January 07:36

[JQ]

Djtemeka said:

With witnesses and a fault admission he will be ok BUT regardless of who’s fault it was, your son now has a claim.
He will get NO no-claims discount and his insurance will rocket.

I’ve had 2 claims. A non fault accident and malicious damage. Both sent my insurance up. Regardless of fault.

As a young driver, he’s fked…. Sorry

I’m sorry but what you’ve written is incorrect. If the 3rd party admits liability they will be making a claim on their policy. Friends son will therefore maintain their no claim discount and claim free record.

They will have to say they have been in an accident when taking out future policies which “may” increase the cost, but doesn’t always.

[SAS Tom]

JQ said:

Djtemeka said:

With witnesses and a fault admission he will be ok BUT regardless of who’s fault it was, your son now has a claim.
He will get NO no-claims discount and his insurance will rocket.

I’ve had 2 claims. A non fault accident and malicious damage. Both sent my insurance up. Regardless of fault.

As a young driver, he’s fked…. Sorry

I’m sorry but what you’ve written is incorrect. If the 3rd party admits liability they will be making a claim on their policy. Friends son will therefore maintain their no claim discount and claim free record.

They will have to say they have been in an accident when taking out future policies which “may” increase the cost, but doesn’t always.

This.

If he’s claiming off the other persons insurance he will still get his first years no claims discount. He will have to declare the non fault claim though.

[SeekerOfTruthAndPies]

SAS Tom said:

This.

If he’s claiming off the other persons insurance he will still get his first years no claims discount. He will have to declare the non fault claim though.

And another backing this. I have worked in car insurance, if the claim is declared non-fault then it won't affect his NCD. If declared 50-50 or his fault though, then it will. Hopefully the witnesses' account will be accepted and the other driver maintains their acceptance of fault.

[The Mad Monk]

Si 330 said:

Yesterday morning my son on his way to work, country lane, Eccup lane north Leeds, luckily he was going slow as there a lots of blind sharp bends and cars can go down at relative speed.
As he approached a corner a van travelling fast was in the centre of the road, he swerved to miss the van, in doing so he put his wheels on the edge of the verge which is a steep incline, this flipped him on to the side.
Luckily a lady behind witnessed and confirmed, also called the police.
The van stopped so we have there details, they admitted fault to the police.

His car will be written off, low value Peugeot partner, its his first car with insurance renewal the end of this month, so close to his 1 year no claims.
The dilemma is take it on the chin, salvage any money he can from the scrappy and get his no claims.

Not sure how successful he would be claiming against the van driver as no contact was made between the two vehicles.

Anybody had experience of such a claim?

Is your son incapable of typing?

[SeekerOfTruthAndPies]

SeekerOfTruthAndPies said:

And another backing this. I have worked in car insurance, if the claim is declared non-fault then it won't affect his NCD. If declared 50-50 or his fault though, then it will. Hopefully the witnesses' account will be accepted and the other driver maintains their acceptance of fault.

And as an aside, I know that road very well. I can understand exactly how this happened, had a few close calls myself in the past!

[anonymous-user]

The Mad Monk said:

Si 330 said:

Yesterday morning my son on his way to work, country lane, Eccup lane north Leeds, luckily he was going slow as there a lots of blind sharp bends and cars can go down at relative speed.
As he approached a corner a van travelling fast was in the centre of the road, he swerved to miss the van, in doing so he put his wheels on the edge of the verge which is a steep incline, this flipped him on to the side.
Luckily a lady behind witnessed and confirmed, also called the police.
The van stopped so we have there details, they admitted fault to the police.

His car will be written off, low value Peugeot partner, its his first car with insurance renewal the end of this month, so close to his 1 year no claims.
The dilemma is take it on the chin, salvage any money he can from the scrappy and get his no claims.

Not sure how successful he would be claiming against the van driver as no contact was made between the two vehicles.

Anybody had experience of such a claim?

Is your son incapable of typing?

Why not ask him yourself?

[mickyh7]

The Mad Monk said:

Is your son incapable of typing?

He's probably still cleaning his trousers!
Give him a break.

[Si 330]

The Mad Monk said:

Si 330 said:

Yesterday morning my son on his way to work, country lane, Eccup lane north Leeds, luckily he was going slow as there a lots of blind sharp bends and cars can go down at relative speed.
As he approached a corner a van travelling fast was in the centre of the road, he swerved to miss the van, in doing so he put his wheels on the edge of the verge which is a steep incline, this flipped him on to the side.
Luckily a lady behind witnessed and confirmed, also called the police.
The van stopped so we have there details, they admitted fault to the police.

His car will be written off, low value Peugeot partner, its his first car with insurance renewal the end of this month, so close to his 1 year no claims.
The dilemma is take it on the chin, salvage any money he can from the scrappy and get his no claims.

Not sure how successful he would be claiming against the van driver as no contact was made between the two vehicles.

Anybody had experience of such a claim?

Is your son incapable of typing?

Thanks for the valuable input to the question asked, I'm sure you will be able to walk that little bit taller today............

[porterpainter]

If the car is written off, then the insurance is cancelled before the end of the year (as the car is no longer able to be insured) and the NCB may not be honoured.

I had this in month 11 of my policy after a non fault claim.

This was 2004, things may have changed.

I needed to complain to get the insurer to honour the NCB. I had asked a call handler if there would be any adverse consequences on my insurance if they car was written off and they’d (incorrectly advise me no) so has recourse to complain.

Therefore I’d propose trying to stall matters - such as haggling the value of the car- until after the policy is due to expire.

[Dingu]

The Mad Monk said:

Si 330 said:

Yesterday morning my son on his way to work, country lane, Eccup lane north Leeds, luckily he was going slow as there a lots of blind sharp bends and cars can go down at relative speed.
As he approached a corner a van travelling fast was in the centre of the road, he swerved to miss the van, in doing so he put his wheels on the edge of the verge which is a steep incline, this flipped him on to the side.
Luckily a lady behind witnessed and confirmed, also called the police.
The van stopped so we have there details, they admitted fault to the police.

His car will be written off, low value Peugeot partner, its his first car with insurance renewal the end of this month, so close to his 1 year no claims.
The dilemma is take it on the chin, salvage any money he can from the scrappy and get his no claims.

Not sure how successful he would be claiming against the van driver as no contact was made between the two vehicles.

Anybody had experience of such a claim?

Is your son incapable of typing?

Good work proving why someone wouldn’t join

[zarlak]

Djtemeka said:

With witnesses and a fault admission he will be ok BUT regardless of who’s fault it was, your son now has a claim.
He will get NO no-claims discount and his insurance will rocket.

I’ve had 2 claims. A non fault accident and malicious damage. Both sent my insurance up. Regardless of fault.

As a young driver, he’s fked…. Sorry

Not necessarily. My son drove into the back of someone queuing in roadworks when he was 17, wrote off both cars. It was his first car and first insurance policy. His next years premium did increase, of course, but not massively. It certainly was not a big issue on renewal.

[SeekerOfTruthAndPies]

porterpainter said:

If the car is written off, then the insurance is cancelled before the end of the year (as the car is no longer able to be insured) and the NCB may not be honoured.

I had this in month 11 of my policy after a non fault claim.

This was 2004, things may have changed.

I needed to complain to get the insurer to honour the NCB. I had asked a call handler if there would be any adverse consequences on my insurance if they car was written off and they’d (incorrectly advise me no) so has recourse to complain.

Therefore I’d propose trying to stall matters - such as haggling the value of the car- until after the policy is due to expire.

Best thing to do in this scenario would be to buy something else quick sticks and insure it via this policy, keeping it live and seeing the year out.

[Dingu]

porterpainter said:

If the car is written off, then the insurance is cancelled before the end of the year (as the car is no longer able to be insured) and the NCB may not be honoured.

I had this in month 11 of my policy after a non fault claim.

This was 2004, things may have changed.

I needed to complain to get the insurer to honour the NCB. I had asked a call handler if there would be any adverse consequences on my insurance if they car was written off and they’d (incorrectly advise me no) so has recourse to complain.

Therefore I’d propose trying to stall matters - such as haggling the value of the car- until after the policy is due to expire.

Once it is declared total loss chances are they would look to cancel the policy pretty quickly regardless as all the haggling can be done after that, no need generally to have an active policy for that.

[JQ]

SeekerOfTruthAndPies said:

porterpainter said:

If the car is written off, then the insurance is cancelled before the end of the year (as the car is no longer able to be insured) and the NCB may not be honoured.

I had this in month 11 of my policy after a non fault claim.

This was 2004, things may have changed.

I needed to complain to get the insurer to honour the NCB. I had asked a call handler if there would be any adverse consequences on my insurance if they car was written off and they’d (incorrectly advise me no) so has recourse to complain.

Therefore I’d propose trying to stall matters - such as haggling the value of the car- until after the policy is due to expire.

Best thing to do in this scenario would be to buy something else quick sticks and insure it via this policy, keeping it live and seeing the year out.

Sounds sensible. He'll need something anyway and I'd imagine 1 year NCD is worth a fair bit in monetary terms when you're young.

[SeekerOfTruthAndPies]

Dingu said:

Once it is declared total loss chances are they would look to cancel the policy pretty quickly regardless as all the haggling can be done after that, no need generally to have an active policy for that.

Not if you have a new vehicle, the policy will be kept open and the new vehicle substituted for the old one. No different than if you change cars in the middle of a policy, you don't cancel it and then set up a new one.

[Dingu]

SeekerOfTruthAndPies said:

Dingu said:

Once it is declared total loss chances are they would look to cancel the policy pretty quickly regardless as all the haggling can be done after that, no need generally to have an active policy for that.

Not if you have a new vehicle, the policy will be kept open and the new vehicle substituted for the old one. No different than if you change cars in the middle of a policy, you don't cancel it and then set up a new one.

I’m aware but there is no suggestion there currently is a vehicle to change onto the policy. The point was in response to the idea of delaying negotiations to stop the cancellation, sorry if that wasn’t clear.