advice on accident ive just had.
Discussion
ok, driving home from picking my OH up from work, diving along the a41 (as i do twice every day)
get to a roundabout and am waiting behind a small black hatchback waiting to move out onto the roundabout. they start moving forward, over the give way line so i instinctively start looking right to see if it is safe to follow her out. it is completely clear so i start to move out.
next thing i know, i have hit her.
basically, she has moved out onto the roundabout about 8 ft then stopped for no apparent reason, as i'm checking to see if its safe for me to follow, moving forward at walking pace i didnt see her stop on the roundabout.
so i pull in, get out, look at the damage (tiny crack in my bumper from the towing eye on her car) 2 small cracks in her bumper. i take pictures of both cars and as i am doing all of this, the woman has got out of her car immediately going on about how she has her 86 year old mother in the car, her other passenger starts holding her neck.
noone else bothered to stop so there are no witnesses. she starts a very patronising speech about how "its a roundabout sweetie, i can stop if i need to".
after opening her boot 3 times, she then decides that it cannot be opened. eventually we get to the point where she has given up on the broken boot idea and keeps mentioning that she "wouldnt want to go through insurance as the damage to her car is very minor.
i just get the feeling that i'm going to get turned over for this.
i have no problem paying for a new bumper, there was no other damage but i'm not prepared to lose 13yrs no claims over this.
so...
what are the rules on stopping on a roundabout after you have left the give way line?
should i warn my ins company or just wait for her call?
any opinions/advice greatly recieved.
Dave.
get to a roundabout and am waiting behind a small black hatchback waiting to move out onto the roundabout. they start moving forward, over the give way line so i instinctively start looking right to see if it is safe to follow her out. it is completely clear so i start to move out.
next thing i know, i have hit her.
basically, she has moved out onto the roundabout about 8 ft then stopped for no apparent reason, as i'm checking to see if its safe for me to follow, moving forward at walking pace i didnt see her stop on the roundabout.
so i pull in, get out, look at the damage (tiny crack in my bumper from the towing eye on her car) 2 small cracks in her bumper. i take pictures of both cars and as i am doing all of this, the woman has got out of her car immediately going on about how she has her 86 year old mother in the car, her other passenger starts holding her neck.
noone else bothered to stop so there are no witnesses. she starts a very patronising speech about how "its a roundabout sweetie, i can stop if i need to".
after opening her boot 3 times, she then decides that it cannot be opened. eventually we get to the point where she has given up on the broken boot idea and keeps mentioning that she "wouldnt want to go through insurance as the damage to her car is very minor.
i just get the feeling that i'm going to get turned over for this.
i have no problem paying for a new bumper, there was no other damage but i'm not prepared to lose 13yrs no claims over this.
so...
what are the rules on stopping on a roundabout after you have left the give way line?
should i warn my ins company or just wait for her call?
any opinions/advice greatly recieved.
Dave.
This happened to one of my work colleagues, except at a junction (no cars around) collision was about 5-8mph, there was a scratch on the other guys bumper (my colleague rolled into the back of this guy in front who stopped for no reason).
The guy in front was trying to claim for whiplash etc, as far as i'm aware he was told to foxtrot oscar!
The guy in front was trying to claim for whiplash etc, as far as i'm aware he was told to foxtrot oscar!
Presuming the car in front has moved away at a roundabout and then hitting it is a lesson a lot of us learn the hard way. I did it about a year after I passed my test but now I don't even look to see if I can pull out onto a roundabout without first making sure the car in front has gone.
As for the insurance, well the fact that her mother got out complaining about neck pains would make me nervous. I think I'd be reporting this to my insurance company for that reason. Nothing worse than in 6 months you receive a letter from a solicitor saying you're being claimed against for an injury claim. If it's done through your insurance company now, then all you would have to do it pass the letter onto them and then they would sort it all out.
As for the insurance, well the fact that her mother got out complaining about neck pains would make me nervous. I think I'd be reporting this to my insurance company for that reason. Nothing worse than in 6 months you receive a letter from a solicitor saying you're being claimed against for an injury claim. If it's done through your insurance company now, then all you would have to do it pass the letter onto them and then they would sort it all out.
Sorry to say but you are at fault. I did it myself many years ago, old guy in a Skoda Rapid (we are talking 20 years ago) moved onto a big deserted roundabout, I looked briefly to my right, although I already knew it was clear, & he had stopped dead for no reason at all. Still, I hit him so it was my fault. Never did it again though, & hopefully neither will you.
Zed Ed said:
Surely the little damage done kind makes it difficult to claim for whiplash?
As much as we would all like to believe this... This country is full of f
king workshy cocktards, and scumbag legal people that will just take the absolute pish.Sorry OP, but it was your fault, let us hope that the lady you rearended, is an honest decent citizen of this country, and acts accordingly.
That is all.
£500 fitted and sprayed sounds about right. Sure it can be done for less but thats what I'd expect from Honda.
You do need to tell the insurance company if there is any chance of a whiplash claim, your company would want you to. Remember its a no-claims bonus, not a no accident bonus. If you tell them and then pay the bill yourself I believe you retain your no claims.
However when you come to answer the question "Have you had an accidents in the last 5 years regardless of fault", you then need to say yes, which will take the premium up slightly.
You do need to tell the insurance company if there is any chance of a whiplash claim, your company would want you to. Remember its a no-claims bonus, not a no accident bonus. If you tell them and then pay the bill yourself I believe you retain your no claims.
However when you come to answer the question "Have you had an accidents in the last 5 years regardless of fault", you then need to say yes, which will take the premium up slightly.
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