Road traffic incident
Discussion
Just be thankful that your insurance company didn't consider tyre damage as an incident and it doesn't go on file for the next 5 years with loaded premiums.
Pay for a tyre and move on before you get yourself in to a pickle with your insurance, or theirs.
Might be worth ringing the other party and telling them you have no intention of pursuing it further.
Pay for a tyre and move on before you get yourself in to a pickle with your insurance, or theirs.
Might be worth ringing the other party and telling them you have no intention of pursuing it further.
Opapayer said:
No wonder you re confused. The mountain you re making is actually just a molehill.
As everyone has said buy a new tyre and move on.
This. You're seriously over-complicating a very minor incident. I'm guessing you haven't experienced many proper accidents where insurance companies do get involved. It's a major headache and can take up many, many hours of your life. As I recently posted on another thread, I wouldn't report any incident to an insurance company if it cost me a grand or less to fix the problem myself. It's just not worth the aggravation. Get a new tyre and get on with your life and be thankful you didn't have to make a claim.As everyone has said buy a new tyre and move on.
Not much sympathy seems to be had but at least you avoided a collision....
I had the similar recently some fker pulled out from a roundabout just as I'm about to pass, had to pile on the brakes hard made some noise which felt like collision but was mostly like the ABS kicking in
Managed to record it too (A poxy 14 plate Nissan Qashqai with itty bitty 1.2 engine, plate ending in EZK....more like GKY I think !)
I'm generally sticking to lane 2 over the roundabouts when there were 2 lanes like this ( and not hanging about), I think they massively overestimate their abilities to pull out and are less likely to do so when they can see a car making good progress and in the furthest lane.
I had the similar recently some fker pulled out from a roundabout just as I'm about to pass, had to pile on the brakes hard made some noise which felt like collision but was mostly like the ABS kicking in
Managed to record it too (A poxy 14 plate Nissan Qashqai with itty bitty 1.2 engine, plate ending in EZK....more like GKY I think !)
I'm generally sticking to lane 2 over the roundabouts when there were 2 lanes like this ( and not hanging about), I think they massively overestimate their abilities to pull out and are less likely to do so when they can see a car making good progress and in the furthest lane.
daytonavrs said:
Not much sympathy seems to be had but at least you avoided a collision....
I had the similar recently some fker pulled out from a roundabout just as I'm about to pass, had to pile on the brakes hard made some noise which felt like collision but was mostly like the ABS kicking in
Managed to record it too (A poxy 14 plate Nissan Qashqai with itty bitty 1.2 engine, plate ending in EZK....more like GKY I think !)
I'm generally sticking to lane 2 over the roundabouts when there were 2 lanes like this ( and not hanging about), I think they massively overestimate their abilities to pull out and are less likely to do so when they can see a car making good progress and in the furthest lane.
That makes very little sense, other than you are driving too fast for your driving skills and think it's someone else's faultI had the similar recently some fker pulled out from a roundabout just as I'm about to pass, had to pile on the brakes hard made some noise which felt like collision but was mostly like the ABS kicking in
Managed to record it too (A poxy 14 plate Nissan Qashqai with itty bitty 1.2 engine, plate ending in EZK....more like GKY I think !)
I'm generally sticking to lane 2 over the roundabouts when there were 2 lanes like this ( and not hanging about), I think they massively overestimate their abilities to pull out and are less likely to do so when they can see a car making good progress and in the furthest lane.
mkd73 said:
Hello,
First I think this might be in the wrong place. Very sorry if it is. As a new member I am restricted to where I can post. Really hope this isn't breaking any rules by posting it here.
I'm trying to get any advice I can as really getting conflicting advice. Basically today while driving along a road, a car that was parked on the other side of the road pulled out in front of me. I had to swerve to avoid collision and went on to the curb. Which resulted in my tyre wall being busted. We both stopped, as did a person who was walking past on the other side of the road. We all agreed there was no actually collision. The person walking past gave me him name (first name only) and telephone number incase I ended up needing it. His comment was 'she pulled out without looking at all'.
Anyway as said we had both stopped. But even though there was no contact, I thought we were required to exchange details. Just to cover ourselves. I wasn't going to make a insurance claim over a tyre but wasn't sure if I had to still inform the insurance company. So she called some relative and spoke to them for a while. Then said as there was no collision she didn't think we needed to exchange details and left. So that left me unsure what I needed to do. Since then I've just got more confused. Spoke to RAC legal advice helpline who said I didn't need to report it to the police but needed to inform my insurance company. Then spoke to the legal advice helpline of my insurance company who checked with a manager and then came back and said I didn't need to report it to the police or the insurance company as tyre damage wasn't classed as reportable damage. Should add that we both have our own dashcam footage (she checked her own while we were stopped).
Still was confused though as from what I understood any damage due to the presence of a car on the roads was considered a road traffic incident and if details weren't shared it needed to be reported. I know it isn't the best way to get advice, but various AI chats also said that I needed to report it. So went to the local police website. The first question is about the location. The next question is "Did at least one vehicle collide with something or someone?" Now this is where I'm not sure. If I put no as neither of us hit each other or anything else, then it won't let me file a road traffic accident report. Gives options for things like bad driver etc. So being unsure if 'going onto the curb and damaging tyre' would class as collision (don't think it does, but the AI chats say it does), I called 101 and spoke to someone. Not sure they understand me completely as they said just fill out the forms. They said if the forms says it doesn't need reporting then it doesn't. Also said it sounded more like a civil matter to them. They also said they don't think going on a curb would class as collision. But they also said about the requirement to report accidents within 24 hours. So still not sure, can it be a civil matter doesn't really fit as I don't have the other person's details. The 101 call handler never logged any information, but they gave me their badge number just as a record that I did talk to them.
Should point out I have no wish for this person to be prosecuted. Even if they were meant to share details, if two legal advice lines aren't sure how can anyone be. Also it is just a tyre, so I wouldn't have been making a actual insurance claim. All I want to do is protect myself. I did say to them as they left that if we didn't exchange details, I thought I would need to report it to the police. So want to do the right thing but also don't want it to end up that she has then reported it to the police or something.
The question seems to come down to if having to go onto the curb is classed as a collision. Technically I hit the curb so that is why the AI chats say it is a collision.
Not sure if anyone will be able to help me here, but hoping they can.
Which country did this happen in?First I think this might be in the wrong place. Very sorry if it is. As a new member I am restricted to where I can post. Really hope this isn't breaking any rules by posting it here.
I'm trying to get any advice I can as really getting conflicting advice. Basically today while driving along a road, a car that was parked on the other side of the road pulled out in front of me. I had to swerve to avoid collision and went on to the curb. Which resulted in my tyre wall being busted. We both stopped, as did a person who was walking past on the other side of the road. We all agreed there was no actually collision. The person walking past gave me him name (first name only) and telephone number incase I ended up needing it. His comment was 'she pulled out without looking at all'.
Anyway as said we had both stopped. But even though there was no contact, I thought we were required to exchange details. Just to cover ourselves. I wasn't going to make a insurance claim over a tyre but wasn't sure if I had to still inform the insurance company. So she called some relative and spoke to them for a while. Then said as there was no collision she didn't think we needed to exchange details and left. So that left me unsure what I needed to do. Since then I've just got more confused. Spoke to RAC legal advice helpline who said I didn't need to report it to the police but needed to inform my insurance company. Then spoke to the legal advice helpline of my insurance company who checked with a manager and then came back and said I didn't need to report it to the police or the insurance company as tyre damage wasn't classed as reportable damage. Should add that we both have our own dashcam footage (she checked her own while we were stopped).
Still was confused though as from what I understood any damage due to the presence of a car on the roads was considered a road traffic incident and if details weren't shared it needed to be reported. I know it isn't the best way to get advice, but various AI chats also said that I needed to report it. So went to the local police website. The first question is about the location. The next question is "Did at least one vehicle collide with something or someone?" Now this is where I'm not sure. If I put no as neither of us hit each other or anything else, then it won't let me file a road traffic accident report. Gives options for things like bad driver etc. So being unsure if 'going onto the curb and damaging tyre' would class as collision (don't think it does, but the AI chats say it does), I called 101 and spoke to someone. Not sure they understand me completely as they said just fill out the forms. They said if the forms says it doesn't need reporting then it doesn't. Also said it sounded more like a civil matter to them. They also said they don't think going on a curb would class as collision. But they also said about the requirement to report accidents within 24 hours. So still not sure, can it be a civil matter doesn't really fit as I don't have the other person's details. The 101 call handler never logged any information, but they gave me their badge number just as a record that I did talk to them.
Should point out I have no wish for this person to be prosecuted. Even if they were meant to share details, if two legal advice lines aren't sure how can anyone be. Also it is just a tyre, so I wouldn't have been making a actual insurance claim. All I want to do is protect myself. I did say to them as they left that if we didn't exchange details, I thought I would need to report it to the police. So want to do the right thing but also don't want it to end up that she has then reported it to the police or something.
The question seems to come down to if having to go onto the curb is classed as a collision. Technically I hit the curb so that is why the AI chats say it is a collision.
Not sure if anyone will be able to help me here, but hoping they can.
Post up the footage if you want the thread to keep running.
Edited by Unreal on Monday 15th June 07:07
daytonavrs said:
Not much sympathy seems to be had but at least you avoided a collision....
I had the similar recently some fker pulled out from a roundabout just as I'm about to pass, had to pile on the brakes hard made some noise which felt like collision but was mostly like the ABS kicking in
Managed to record it too (A poxy 14 plate Nissan Qashqai with itty bitty 1.2 engine, plate ending in EZK....more like GKY I think !)
I'm generally sticking to lane 2 over the roundabouts when there were 2 lanes like this ( and not hanging about), I think they massively overestimate their abilities to pull out and are less likely to do so when they can see a car making good progress and in the furthest lane.
1/ people are bad at judging speedI had the similar recently some fker pulled out from a roundabout just as I'm about to pass, had to pile on the brakes hard made some noise which felt like collision but was mostly like the ABS kicking in
Managed to record it too (A poxy 14 plate Nissan Qashqai with itty bitty 1.2 engine, plate ending in EZK....more like GKY I think !)
I'm generally sticking to lane 2 over the roundabouts when there were 2 lanes like this ( and not hanging about), I think they massively overestimate their abilities to pull out and are less likely to do so when they can see a car making good progress and in the furthest lane.
2/ make progress as you wish, but roundabouts are a place to drive very defensively and not to make “good progress”
3/ see 1/
daytonavrs said:
Not much sympathy seems to be had but at least you avoided a collision....
I had the similar recently some fker pulled out from a roundabout just as I'm about to pass, had to pile on the brakes hard made some noise which felt like collision but was mostly like the ABS kicking in
Managed to record it too (A poxy 14 plate Nissan Qashqai with itty bitty 1.2 engine, plate ending in EZK....more like GKY I think !)
I'm generally sticking to lane 2 over the roundabouts when there were 2 lanes like this ( and not hanging about), I think they massively overestimate their abilities to pull out and are less likely to do so when they can see a car making good progress and in the furthest lane.
You're the manI had the similar recently some fker pulled out from a roundabout just as I'm about to pass, had to pile on the brakes hard made some noise which felt like collision but was mostly like the ABS kicking in
Managed to record it too (A poxy 14 plate Nissan Qashqai with itty bitty 1.2 engine, plate ending in EZK....more like GKY I think !)
I'm generally sticking to lane 2 over the roundabouts when there were 2 lanes like this ( and not hanging about), I think they massively overestimate their abilities to pull out and are less likely to do so when they can see a car making good progress and in the furthest lane.
Similar thing happened to me recently in the Golf. Country road, someone in a Kia crossover coming towards me, crossed the centre line, whacked my door mirror hard enough to disassemble it.
I stopped, they didn’t. I have a dash cam with clear footage.
For the sake of £120 parts (coloured mirror cap and indicator strip) I managed to repair it myself and eventually calmed down.
Obviously unfair, but filed under “nothing I can really do about it”. I just hope it cost them more to fix their mirror.
I stopped, they didn’t. I have a dash cam with clear footage.
For the sake of £120 parts (coloured mirror cap and indicator strip) I managed to repair it myself and eventually calmed down.
Obviously unfair, but filed under “nothing I can really do about it”. I just hope it cost them more to fix their mirror.
Foss62 said:
If the tyre came from Halfords you can get it replaced under their guarantee (less a payment for estimated wear). They did this for me without any quibbles when a similar incident resulted in a big lump out of a sidewall.
I can't see where the OP mentioned that he'd bought the tyre from Halfords.OddCat said:
Foss62 said:
If the tyre came from Halfords you can get it replaced under their guarantee (less a payment for estimated wear). They did this for me without any quibbles when a similar incident resulted in a big lump out of a sidewall.
I can't see where the OP mentioned that he'd bought the tyre from Halfords.I had a similar incident back in the day (the 90's) but mine involved me being given two options either crash into the oncoming car or put my car into the side of a dry stone wall) I was halfway down a line of parked cars when a car decided to try and force their way through (cars on their side)
They left the scene without stopping, but I had a independent witness and a partial number plate plus car make model, I went to the police station (in these days you could speak to someone on the desk) at first were not remotely interested, telling me it wasn't an accident, however I persisted and they came out to look at the car and then agreed yes that's an accident (every panel on the passenger side smashed in).
They managed to find the driver with the details I gave and prosecuted him, it went to court and he changed his plea on the day to guilty.
To OP's situation if you've burst your tyre then you could have also buckled your wheel, if you wheel is buckled then your suspension could be bent so the damage could be thousands depending on the car that's an accident...
mkd73 said:
I think my post was far from clear. So just to confirm, I'm not worried about the tyre. It is annoying but even if we had exchanged details, I wouldn't have made a insurance claim as my excess and that would be more than the tyre cost. I just was under the impression that in a situation like that we were required to exchange information.
The reason I've tried to check what I'm meant to do, is because years ago I was involved in an accident and the other person completely changed what they told their insurance company about had happened and been said. It was a right mess to sort out. So I just wanted to check if I'm required to report this current incident to the police as we never exchanged details. But the opinion I've had so far seems to be that it isn't required.
Even if I try to report it on the local police website, unless I click the button to say there has been a collision, then it won't let me file a road traffic incident report. Gives me options for reporting bad driving etc, but not a road traffic incident. So my uncertainty was if mounting a kerb counted as a collision. Which again the general opinion seems to be it isn't. Although the AI chats think it is.
Also unsure if I do need to report this to my insurance company or not. When I said in my original post, I called my insurance's company legal helpline, I meant the 24 hour helpline that is included in my policy but I believe is ran by a third party legal company on their behalf. They also never actually took any of my personal details. Just asked what it was in regards to and then the person I spoke to, went and checked with a manager and came back saying I didn't need to report it to the police or the insurance company as tyre damage wasn't required to be reported to the insurance company. While the RAC legal advice line, said I didn't need to report it to the police, but did need to report it to my insurance company. I should state that I'm in the UK and that is where this happened.
I purely want to make sure I've done what is required and covered myself if anything further comes of it. As said, I do have dashcam footage of them pulling out and me having to mount the kerb to avoid them. And do have the telephone number of a person who was walking past on the other side of the road and they stated that the other driver didn't even look before pulling out.
Apologies if I’m being a bit dense here but I’m still failing to understand what exactly there is to report. There was no incident. The reason I've tried to check what I'm meant to do, is because years ago I was involved in an accident and the other person completely changed what they told their insurance company about had happened and been said. It was a right mess to sort out. So I just wanted to check if I'm required to report this current incident to the police as we never exchanged details. But the opinion I've had so far seems to be that it isn't required.
Even if I try to report it on the local police website, unless I click the button to say there has been a collision, then it won't let me file a road traffic incident report. Gives me options for reporting bad driving etc, but not a road traffic incident. So my uncertainty was if mounting a kerb counted as a collision. Which again the general opinion seems to be it isn't. Although the AI chats think it is.
Also unsure if I do need to report this to my insurance company or not. When I said in my original post, I called my insurance's company legal helpline, I meant the 24 hour helpline that is included in my policy but I believe is ran by a third party legal company on their behalf. They also never actually took any of my personal details. Just asked what it was in regards to and then the person I spoke to, went and checked with a manager and came back saying I didn't need to report it to the police or the insurance company as tyre damage wasn't required to be reported to the insurance company. While the RAC legal advice line, said I didn't need to report it to the police, but did need to report it to my insurance company. I should state that I'm in the UK and that is where this happened.
I purely want to make sure I've done what is required and covered myself if anything further comes of it. As said, I do have dashcam footage of them pulling out and me having to mount the kerb to avoid them. And do have the telephone number of a person who was walking past on the other side of the road and they stated that the other driver didn't even look before pulling out.
Edited by mkd73 on Monday 15th June 09:31
Let’s just imagine for one second that a badger with poor road sense jumped out from a hedge, and you damaged a tyre trying to avoid him/her/them. Would you try to report that?
Nobody has been hurt, no car dented or dinged or scratched. There’s NOTHING to report.
I’m confused.
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