4 car shunt...insurance advice.
Discussion
Long story, so I'll try and be brief.
I'd broken down on the hard shoulder. 4 cars that were with me pulled in also. I got car running, accelerated into 2nd gear and car cut out so slowed to a stop. Got out, car 1 behind me stopped, car 2 behind him tapped him ever so slightly, car 3 behind then ploughed into him, pushing him right into car 2, car 4 at the very back was half on the inside lane now and just clipped the rear of car 3.
Car 4 just needs a little work on wing and steering arm, car 3 bent rear axle, ruined rear quarter and totalled front end.
Car 2 totally wrecked. Roof all buckled, doors won't open, front and rear shafted. Car 1, just needs new rear bumper. Cars 2 and 3 around 1 grand in value, car 1 and 4 around 3grand.
It's a right old pickle! Car 1 with just rear bumper damage isn't fussed about going through insurance or not, so long as he gets bumper sorted. Car 3 doesn't really want to go through insurance and car 4 is happy with paying for his own damage.
Now, if insurance is involved, will they all have to go through it? Or can say car 2 settle car 1s out of insurance and car 2 claim off car 3 and car 4 sort himself out?
Understand that? Lol
I'd broken down on the hard shoulder. 4 cars that were with me pulled in also. I got car running, accelerated into 2nd gear and car cut out so slowed to a stop. Got out, car 1 behind me stopped, car 2 behind him tapped him ever so slightly, car 3 behind then ploughed into him, pushing him right into car 2, car 4 at the very back was half on the inside lane now and just clipped the rear of car 3.
Car 4 just needs a little work on wing and steering arm, car 3 bent rear axle, ruined rear quarter and totalled front end.
Car 2 totally wrecked. Roof all buckled, doors won't open, front and rear shafted. Car 1, just needs new rear bumper. Cars 2 and 3 around 1 grand in value, car 1 and 4 around 3grand.
It's a right old pickle! Car 1 with just rear bumper damage isn't fussed about going through insurance or not, so long as he gets bumper sorted. Car 3 doesn't really want to go through insurance and car 4 is happy with paying for his own damage.
Now, if insurance is involved, will they all have to go through it? Or can say car 2 settle car 1s out of insurance and car 2 claim off car 3 and car 4 sort himself out?
Understand that? Lol
Lawbags said:
Long story, so I'll try and be brief.
I'd broken down on the hard shoulder. 4 cars that were with me pulled in also. I got car running, accelerated into 2nd gear and car cut out so slowed to a stop. Got out, car 1 behind me stopped, car 2 behind him tapped him ever so slightly, car 3 behind then ploughed into him, pushing him right into car 2, car 4 at the very back was half on the inside lane now and just clipped the rear of car 3.
Car 4 just needs a little work on wing and steering arm, car 3 bent rear axle, ruined rear quarter and totalled front end.
Car 2 totally wrecked. Roof all buckled, doors won't open, front and rear shafted. Car 1, just needs new rear bumper. Cars 2 and 3 around 1 grand in value, car 1 and 4 around 3grand.
It's a right old pickle! Car 1 with just rear bumper damage isn't fussed about going through insurance or not, so long as he gets bumper sorted. Car 3 doesn't really want to go through insurance and car 4 is happy with paying for his own damage.
Now, if insurance is involved, will they all have to go through it? Or can say car 2 settle car 1s out of insurance and car 2 claim off car 3 and car 4 sort himself out?
Understand that? Lol
I wouldn't go near insurance, sort it out between you, assuming you know each other. Car 3 may want a contribution from Car 4 but sounds like he wrote his own car off before Car 4 hit him.I'd broken down on the hard shoulder. 4 cars that were with me pulled in also. I got car running, accelerated into 2nd gear and car cut out so slowed to a stop. Got out, car 1 behind me stopped, car 2 behind him tapped him ever so slightly, car 3 behind then ploughed into him, pushing him right into car 2, car 4 at the very back was half on the inside lane now and just clipped the rear of car 3.
Car 4 just needs a little work on wing and steering arm, car 3 bent rear axle, ruined rear quarter and totalled front end.
Car 2 totally wrecked. Roof all buckled, doors won't open, front and rear shafted. Car 1, just needs new rear bumper. Cars 2 and 3 around 1 grand in value, car 1 and 4 around 3grand.
It's a right old pickle! Car 1 with just rear bumper damage isn't fussed about going through insurance or not, so long as he gets bumper sorted. Car 3 doesn't really want to go through insurance and car 4 is happy with paying for his own damage.
Now, if insurance is involved, will they all have to go through it? Or can say car 2 settle car 1s out of insurance and car 2 claim off car 3 and car 4 sort himself out?
Understand that? Lol
Car 2 pays for Car 1, probably less than the excess. Car 3 pays Car 2 a grand in cash (which seems acceptable from your post) and needs to find some new wheels. Car 4 fixes his own car (acceptable likewise).
So does Car 2 really want to go through with a claim - what will the insurer actually value his car at? Take the £1,000 from Car 3, sell Car 2 for bits or weigh it in and pay for Car 1's bumper.
Anyway you look at it, assuming no injury claim, this is a waste of time to claim for.
You're all mates? Sort it out amongst yourselves. Insurance is just going to be horribly messy and long-winded.
2 nudged 1, 1's not bothered. So that's sorted.
3 thumped 2. 3 pays for 2.
4 thumped 3. 3 was already trashed, though, so 4 didn't really add anything.
So 3 is out of pocket for £2k - cars 2 & 3. It was his inattention that made it into a biggie, so that seems fair.
4 is out for his own repairs. If he feels kindly, he might want to help 3 out.
2 might want to see how he feels, too, since it was his inattention that started the ball rolling, but if it'd just been that, there'd have been no real damage.
2 nudged 1, 1's not bothered. So that's sorted.
3 thumped 2. 3 pays for 2.
4 thumped 3. 3 was already trashed, though, so 4 didn't really add anything.
So 3 is out of pocket for £2k - cars 2 & 3. It was his inattention that made it into a biggie, so that seems fair.
4 is out for his own repairs. If he feels kindly, he might want to help 3 out.
2 might want to see how he feels, too, since it was his inattention that started the ball rolling, but if it'd just been that, there'd have been no real damage.
Wise words at the end there.
By the time excesses have been deducted, fault argued over, NCDs lost, premiums increased for the next five years, hassle with the insurers to get the whole thing settled by renewal time, insurers wanting to go "knock for knock", etc etc you will wish you had never mentioned the word "insurers".
The analysis of who pays who is correct as far as i can see.
By the time excesses have been deducted, fault argued over, NCDs lost, premiums increased for the next five years, hassle with the insurers to get the whole thing settled by renewal time, insurers wanting to go "knock for knock", etc etc you will wish you had never mentioned the word "insurers".
The analysis of who pays who is correct as far as i can see.
If you use insurance then it can all be sorted fairly quickly assuming your story holds water.
2 is probably 50% at fault for 1 and 10% for his own.
3 is 90% at fault for 2 and c50% for 1 and probably 75% for his own
4 is c25% at fault for 3 and 100% for his own
The splits of damage are estimates but give an idea based on who caused what damage.
The bigger question is why did 4 cars stop on the hard shoulder for no valid reason?
2 is probably 50% at fault for 1 and 10% for his own.
3 is 90% at fault for 2 and c50% for 1 and probably 75% for his own
4 is c25% at fault for 3 and 100% for his own
The splits of damage are estimates but give an idea based on who caused what damage.
The bigger question is why did 4 cars stop on the hard shoulder for no valid reason?
Five cars stop together on a hard shoulder? WTF? Drivers of these cars then so bereft of basic observation and vehicle spacing skills that they have a shunt? WTFF? Sounds like a classic Norbfest. Bonus idiot points available if the hard shoulder was on a motorway or other similarly restricted road. Perhaps this was some group of Barries in a convoy of Barrymobiles, or a day release outing from the School for the Specially Gifted. It sounds like all five of these geniuses of road safety tried to pull out into traffic together, cuz you musn't break the chain innit. Really, OP, what on Earth were you all doing?
Gavin0478 said:
I have no idea if that photo depicts the OP's group. Let's assume not, but look at that moron standing close to the carriageway to take a photo, and in front of a vehicle that could be hit from behind at any moment, running him over. OK, you may have to stand in front of the vehicle to look under the bonnet (but note how a breakdown patroller or police officer parks near a breakdown, and the breakdown guy works from the side if he can), but not otherwise. Do people not have the faintest idea how dangerous standing on a hard shoulder is? I have seen families with children milling around on the hard shoulder as though it was the car park at World of Idiots on special offer day. If you are not doing something needful, get over the barrier and stay there to await help.
Photo analysis:
Similar and presumably hotted up hatchbacks, check.
Grey hoody, check.
Taking photo for social media LULZ innit, check.
Diagnosis: f
kwits.Edited by anonymous-user on Tuesday 13th May 09:17
If I'd said the above (which I completely agree with btw) then I'd be inundated with the usual PMs asking where I work and lots of handwringing posts about my style and how it upsets people.
I'll give it a go next time as I was sorely tempted, but instead just asked the question over why they all stopped.
I'll give it a go next time as I was sorely tempted, but instead just asked the question over why they all stopped.
I may get the same, Loon, but I think that the points needed to be made. OP, call it tough love, in the interests of education on risk assessment and avoidance. You [EDIT: too harsh, withdrawn] and
yYour friends were on that day (and might be again) a hazard to your[them]selves and to other road users.
It may be worth reflecting on the irresponsibility of driving in a convoy and farting about on a hard shoulder. If driving in a loose (NB loose) convoy, OK, so long as normal safe gaps are maintained and no silliness ensues if a non member of the club gets between two of the convoy cars. Plan ahead: if someone breaks down, the rest stop at the next services and call the broken down driver using that camera/social networking device in your pocket. Handy hint for your mates: it also works as a phone.
PS: Loon, five cars in total, not four, if I read the opening post correctly, so bonus 25% dafter!
EDITED to be less ranty at OP.
It may be worth reflecting on the irresponsibility of driving in a convoy and farting about on a hard shoulder. If driving in a loose (NB loose) convoy, OK, so long as normal safe gaps are maintained and no silliness ensues if a non member of the club gets between two of the convoy cars. Plan ahead: if someone breaks down, the rest stop at the next services and call the broken down driver using that camera/social networking device in your pocket. Handy hint for your mates: it also works as a phone.
PS: Loon, five cars in total, not four, if I read the opening post correctly, so bonus 25% dafter!
EDITED to be less ranty at OP.
Edited by anonymous-user on Tuesday 13th May 10:00
First - decide as a group whether you're going through insurance or not.
I'm guessing you won't use insurance as it's going to cost you all a lot in premium increases and loss of ncb.
Secondly - the discussion about who owes money to who is going to be a mess.
It's going to break friendships - some people will refuse to pay.
You'll wish you went via insurance.
Possibly get a third party to make the decisions.
Thirdly - stop being dicks.
If you break down then at most have one car stop with you - 10 metres back. For support
The other two cars carry on to a safe spot and wait.
I'm fking stunned at him incompetent the drivers were who seem to have done a full drag race into the back if a broken down car.
Is it not onbvious that when following a ropey car you leave space and drive slow.
I did some stupid car related stuff when I was young.
But this is in a different league.
I'm guessing you won't use insurance as it's going to cost you all a lot in premium increases and loss of ncb.
Secondly - the discussion about who owes money to who is going to be a mess.
It's going to break friendships - some people will refuse to pay.
You'll wish you went via insurance.
Possibly get a third party to make the decisions.
Thirdly - stop being dicks.
If you break down then at most have one car stop with you - 10 metres back. For support
The other two cars carry on to a safe spot and wait.
I'm f
king stunned at him incompetent the drivers were who seem to have done a full drag race into the back if a broken down car.Is it not onbvious that when following a ropey car you leave space and drive slow.
I did some stupid car related stuff when I was young.
But this is in a different league.
Loon, it's all your fault. If your lot would simply man up and say -
"No one who owns any variant of Honda Civic or any other Barry hatchback that has any kind of sticker on it and/or any modification of any kind (air freshener and new mats count), and which is driven or may at any time be sat in and/or stood near and/or or spoken about in the pub by anyone who has ever bought or borrowed or picked up and thumbed in W H Smith's a copy of any car magazine featuring performance and/or styling mods and/or noisy stereos and/or the word "wicked" and anyone who has ever met any such person other than while arresting him or her or dealing with his or her ASBO shall ever be allowed insurance to drive any car, ever, ever, ever, ever"
we would all be a lot safer.
"No one who owns any variant of Honda Civic or any other Barry hatchback that has any kind of sticker on it and/or any modification of any kind (air freshener and new mats count), and which is driven or may at any time be sat in and/or stood near and/or or spoken about in the pub by anyone who has ever bought or borrowed or picked up and thumbed in W H Smith's a copy of any car magazine featuring performance and/or styling mods and/or noisy stereos and/or the word "wicked" and anyone who has ever met any such person other than while arresting him or her or dealing with his or her ASBO shall ever be allowed insurance to drive any car, ever, ever, ever, ever"
we would all be a lot safer.
Red Devil said:
LoonR1 said:
The bigger question is why did 4 cars stop on the hard shoulder for no valid reason?
Because they were travelling together (which, while not being a valid reason, would explain it). Just from curiosity did this incident occur on the M4 last Saturday? And I can't comment why they stopped. It's not a question I asked. We were travelling together and as I broke down, they stopped.
Red Devil said:
LoonR1 said:
The bigger question is why did 4 cars stop on the hard shoulder for no valid reason?
Because they were travelling together (which, while not being a valid reason, would explain it). Just from curiosity did this incident occur on the M4 last Saturday? And I can't comment why they stopped. It's not a question I asked. We were travelling together and as I broke down, they stopped.
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