Vehicle accident advice?
Discussion
Hi all
Hoping for some advice.
I dropped off my wife for a moment and stopped where the lines and arrows are on this photo.
Just as she got out the car parked in the parking spot which was the last parking spot reversed out and hit my car, please see photo for damage.
The dash cam caught everything.
She claimed it was 100% my fault as shouldt have been stopped there.
I was 100% stationary.
My questions are, what would others do?
I am worried if I make a claim the place I have stopped to let my wife out is a place you can get 3 points for and it I report it to my insurance Ill end up with 3 points and a higher premium and affect my no claims?
My friend who's a mechanic said it just needs popping out and touch up the paint. Maybe £100?
Others have said make a claim and claim whiplash
My neck feels sore but not sure if that's coincidence.
My insurance terms and conditions state I have to report any collisions even if not my fault and no damage.
What would others advice in this situation?
Thanks all
Hoping for some advice.
I dropped off my wife for a moment and stopped where the lines and arrows are on this photo.
Just as she got out the car parked in the parking spot which was the last parking spot reversed out and hit my car, please see photo for damage.
The dash cam caught everything.
She claimed it was 100% my fault as shouldt have been stopped there.
I was 100% stationary.
My questions are, what would others do?
I am worried if I make a claim the place I have stopped to let my wife out is a place you can get 3 points for and it I report it to my insurance Ill end up with 3 points and a higher premium and affect my no claims?
My friend who's a mechanic said it just needs popping out and touch up the paint. Maybe £100?
Others have said make a claim and claim whiplash
My neck feels sore but not sure if that's coincidence.
My insurance terms and conditions state I have to report any collisions even if not my fault and no damage.
What would others advice in this situation?
Thanks all
You shouldn’t have parked there, the other driver should have looked before reversing.
It is not totally your fault.
That damage might well pop out with some heat. If it needs paint then it is going to cost more than £100.
I suspect the other driver will tell their insurance as they think it is your fault. That means your insurance will be approached, so your choice as to whether to tell your insurers now or to wait and see if they contact you.
It is not totally your fault.
That damage might well pop out with some heat. If it needs paint then it is going to cost more than £100.
I suspect the other driver will tell their insurance as they think it is your fault. That means your insurance will be approached, so your choice as to whether to tell your insurers now or to wait and see if they contact you.
raspy said:
Have I understood this correctly? You were parked (even if was dropping someone off) on a part of the road that people are not supposed to park on, and then someone who was legally parked on that road, reversed and hit your illegally parked car?
There are punishments for parking illegally, but being reversed into by someone who isn't looking where they are going isn't one of them. 100% the fault of the reversing car. Doing something illegal in your car doesn't make you responsible for damaged caused by someone else's negligence.
I'd like to see the "all your fault" or "not all your fault" if instead of your car the woman drove over a child just standing there. "all your fault" as her defence would go down really well.
It's zero your fault, the woman making assumptions and simply not looking where she was going is fault as clear as day.
The rest is what it is. Insurers don't prosecute. You got away with parking badly.
It's zero your fault, the woman making assumptions and simply not looking where she was going is fault as clear as day.
The rest is what it is. Insurers don't prosecute. You got away with parking badly.
raspy said:
Have I understood this correctly? You were parked (even if was dropping someone off) on a part of the road that people are not supposed to park on, and then someone who was legally parked on that road, reversed and hit your illegally parked car?
Yes this is correct.The part I stopped at, is that a 3 points? As know its 3 points for zig zags at a zebra crossing.
Not sure what to do?
What's the general consensus? Thanks all
Thanks all.
Absolutely no damage to her car at all.
Dash cam caught it all. Swapped details.
My insurance states clearly I have to report all incidents even if no damage. So I guess I have to report it either as a notification only or as notification and a claim.
Seem two mechanics who looked at it and said it can just be reshaped back in and a bit extra for the paint if I want. No damage to the running of the car.
My questions are.
1) will insurance say its 50/50 ir similar or 100% other drivers fault?
2) If deemed for example 80% other drivers fault and 20% nine, would that affect ny no claims?
3) Would I then get a chance to say ok I won't make a claim to avoid my no claims being affected if there a percentage Im at fault?
4) if 100% other drivers fault would my no claims be affected?
5) If I make a claim then will my premiums be affected? Or does that depend on if I am at fault in anyway?
6) will my insurance company say to me OK we have determined that other driver is 100% at fault or you were 20% at fault, will I get a chance to say "ok im not going to claim and just put down as notification only and I'll pay to fix it myself"?
7) What would others do in my situation
Absolutely no damage to her car at all.
Dash cam caught it all. Swapped details.
My insurance states clearly I have to report all incidents even if no damage. So I guess I have to report it either as a notification only or as notification and a claim.
Seem two mechanics who looked at it and said it can just be reshaped back in and a bit extra for the paint if I want. No damage to the running of the car.
My questions are.
1) will insurance say its 50/50 ir similar or 100% other drivers fault?
2) If deemed for example 80% other drivers fault and 20% nine, would that affect ny no claims?
3) Would I then get a chance to say ok I won't make a claim to avoid my no claims being affected if there a percentage Im at fault?
4) if 100% other drivers fault would my no claims be affected?
5) If I make a claim then will my premiums be affected? Or does that depend on if I am at fault in anyway?
6) will my insurance company say to me OK we have determined that other driver is 100% at fault or you were 20% at fault, will I get a chance to say "ok im not going to claim and just put down as notification only and I'll pay to fix it myself"?
7) What would others do in my situation
Don't
just share it with your insurer.
If you are stressing now you'll be even more stressed when you listen(read) all the comments you are going to get here.
As you suggest YOU HAVE to inform your insurer. Whether you claim or not.
You have dash cam evidence you were stopped therefore not your fault.
Insurer does not = police therefore no conviction.
If you claim and your insurer claims off hers. You will pay no xs and it will show as a non fault claim.
If you don't claim you should still notify your insurer. It's in the CONTRACT.
Your premium may go up. it may not go up. Insurers are a mystery on that one.
just share it with your insurer.
If you are stressing now you'll be even more stressed when you listen(read) all the comments you are going to get here.
As you suggest YOU HAVE to inform your insurer. Whether you claim or not.
You have dash cam evidence you were stopped therefore not your fault.
Insurer does not = police therefore no conviction.
If you claim and your insurer claims off hers. You will pay no xs and it will show as a non fault claim.
If you don't claim you should still notify your insurer. It's in the CONTRACT.
Your premium may go up. it may not go up. Insurers are a mystery on that one.
cartyre said:
Thank you and my no claims discount will not be affected if I claim? Right?
That would happen if both insurers agree that the other party is at fault and the 3rd party insurer pays out in full for the claim. if they decide that it's split liability then your no claims will be affectedHugo Stiglitz said:
The other driver could easily argue you just pulled in to drop someone off on a junction. At best it could go 50:50 as she was also reversing.
He did just pull in. And wasn't moving, when they reversed into him. How's that 50/50?? It's 100% the reversing driver's fault. Gassing Station | General Gassing | Top of Page | What's New | My Stuff