Other party at fault or knock for knock?

[neil-c]

Clipped wing mirrors with another car driving in opposite direction. Road was a bit on the tight side but sufficient room for campers etc with care. Other driver didn’t stop and driver behind kindly sent me his dashcam footage. Now I felt I was as tight to verge as I’d dare, he looks to have his wheels on the centre line. How would my insurance view this if I pursued a claim? Would rather deal with it personally if it ended up knock for knock.

Edited by neil-c on Sunday 22 May 16:06

[Shaw Tarse]

Dash cam or courtroom artist?

[jjones]

Were you stopped?

[vikingaero]

You're fully in your lance. Jag driver is over the white line. Jag probably could have moved over an inch or two, but that would mean a 4x4 off roading, and that's not on.

[Sheepshanks]

I don't think the centre line means anything. The other car should have stopped but likely they'll claim they didn't know the cars clashed, although when I did it the noise was tremendous.

In my case I was gobsmacked the mirrors clashed as there was loads of room - woman stopped and said she'd swerved around a pothole at the edge of the road!

Wife didn't want me to pursue it - she had a go at me for not slowing down enough - and I got an exact replacement mirror (same colour, power, light underneath etc) from a breaker on eBay for 100 and replaced the broken parts - the actual attachment to the car was OK.

[neil-c]

Sorry both vehicles were moving at time.

They must have known, the noise, for me anyway was rather alarming. And I still have his/her mirror casing. Not sure why they wouldn’t stop. I was desperate to get out and have a look at my door (thankfully no visible damage).

Edited by neil-c on Sunday 22 May 16:18

[sherman]

50/50. Its a tight enough road.
The insurance company will only charge you up to your excess and as long as you have protected no claims and a courtesy car on your policy it will take half a day of your time to sort.

[CarCrazyDad]

50/50

Two wide cars (Jag seems wider?)
Narrow road.

Both cars should have slowed but appears neither did

Wouldn't worry about insurance. Find a suitable mirror on Ebay and re install yourself / have body shop do it.


Not worth having to announce a claim for what is a few hundred quid on Ebay and while you may have a claim with insurance is it really worth the aggro and hassle?
Protected no claims doesn't stop you from increasing costs due to a claim..

[sherman]

CarCrazyDad said:

50/50

Two wide cars (Jag seems wider?)
Narrow road.

Both cars should have slowed but appears neither did

Wouldn't worry about insurance. Find a suitable mirror on Ebay and re install yourself / have body shop do it.


Not worth having to announce a claim for what is a few hundred quid on Ebay and while you may have a claim with insurance is it really worth the aggro and hassle?

Depends how much your no claims is . Mine was £100 when I clipped mirrors in my volvo c30 so worth the aggro to hand it over and get it back as good as new.

[CarCrazyDad]

sherman said:

Depends how much your no claims is . Mine was 100 when I clipped mirrors in my volvo c30 so worth the aggro to hand it over and get it back as good as new.

Sure.

But when your renewal is 150 more next year, 112 more the year after, and 98 the year after (and so on, until 5 years).....?

For what is a forum of motoring enthusiasts is it so much effort to spend 5 minutes finding a mirror on line?

Of course if you're happy with potentially increased bills moving forwards by all means go ahead. Sometimes I fully appreciate that 5 minutes on Ebay may be very daunting if you are not interested in buying it and finding a local bodyshop or DIY guide etc.

[sherman]

CarCrazyDad said:

sherman said:

Depends how much your no claims is . Mine was 100 when I clipped mirrors in my volvo c30 so worth the aggro to hand it over and get it back as good as new.

Sure.

But when your renewal is 150 more next year, 112 more the year after, and 98 the year after (and so on, until 5 years).....?

For what is a forum of motoring enthusiasts is it so much effort to spend 5 minutes finding a mirror on line?

Of course if you're happy with potentially increased bills moving forwards by all means go ahead. Sometimes I fully appreciate that 5 minutes on Ebay may be very daunting if you are not interested in buying it and finding a local bodyshop or DIY guide etc.

Insurance was 15 more the following year due to protected no claims. Maybe I just live in a better area than you?
I also sold the car within the next year and bought a new car whos insurance was comparitively cheaper for the increased preformance.

Edited by sherman on Sunday 22 May 16:45

[neil-c]

CarCrazyDad said:

Both cars should have slowed but appears neither did

Not sure how you could know that detail?

[CarCrazyDad]

neil-c said:

CarCrazyDad said:

Both cars should have slowed but appears neither did

Not sure how you could know that detail?

The Audi does not have brake lights on.

These are all automatic so would need to be on brakes to be stationary?

The OP is in the Audi and his wife "moaned at him for not slowing down enough" or words to that affect (although maybe it was another poster?)

Edit- my mistake - got posters confused.

Clearly the Jag didn't stop or slow down enough as there was a collision

It's a 5050.

Edit: you're the OP Neil -

Were you stopped?
Could you upload the dashcam video?

[2 GKC]

neil-c said:

Sorry both vehicles were moving at time.

They must have known, the noise, for me anyway was rather alarming. And I still have his/her mirror casing. Not sure why they wouldn’t stop. I was desperate to get out and have a look at my door (thankfully no visible damage).

Edited by neil-c on Sunday 22 May 16:18

Why would you need to claim if there’s no visible damage?

[neil-c]

2 GKC said:

neil-c said:

Sorry both vehicles were moving at time.

They must have known, the noise, for me anyway was rather alarming. And I still have his/her mirror casing. Not sure why they wouldn’t stop. I was desperate to get out and have a look at my door (thankfully no visible damage).

Edited by neil-c on Sunday 22 May 16:18

Why would you need to claim if there’s no visible damage?

Sorry no damage to the door I meant. All the damage to the mirror. I’ve had a quick search and only a mirror would still appear to equate to a chunk of change. That’s kinda why I posed the question.

[anonymous-user]

50/50

[Glenn63]

Jag at fault he’s on your side of the road with loads room on the left. It’s amazing how many people have zero perception for how much room they have on the near side.

[anonymous-user]

Mirrors on modern vehicles can be eye-wateringly expensive, get a price to repair and then see if it is worth arguing the toss with insurer.

Last time this happened to me, the mirror surround & mirror was broken but the mirror on the other car was ripped clean out of the door judging by the complete mirror assembly with cables lying on the road. The other car just drove off.

[Wills2]

I drive on narrow roads like this all the time and I slow down and fold my mirrors in, the Jag is doing what many people do, riding the white line it's dreadful driving but so many cars do it.

I'd just get it fixed and move on as it's going to be 50/50.

[neil-c]

Wills2 said:

I drive on narrow roads like this all the time and I slow down and fold my mirrors in, the Jag is doing what many people do, riding the white line it's dreadful driving but so many cars do it.

I'd just get it fixed and move on as it's going to be 50/50.

I was driving slowly, and do on occasion fold mirrors in. Though never really had to on this particular road. I’m never sure how legal this is either. I was resigned to just taking it on the chin but the dashcam owners view was the other party was definitely in the wrong.