Accident management for multi car pile up
Discussion
The OH was involved in a multi-car pileup on the motorway yesterday.
Car in front slammed his brakes on to a complete stop. She stopped in time, but the 3 cars behind did not.
She was pushed into the car in front but he was unphased, claimed he had no damage and left without exchanging details.
Given the potential for complications in establishing liability where multiple cars are involved, I’m concerned about insurance companies deciding equal liability and having to pay up excess etc.
Car is almost certainly written off and both my OH and daughter are pretty sore afterwards.
Before I call an AMC on Monday morning, does anyone have any experience of situations like this?
Car in front slammed his brakes on to a complete stop. She stopped in time, but the 3 cars behind did not.
She was pushed into the car in front but he was unphased, claimed he had no damage and left without exchanging details.
Given the potential for complications in establishing liability where multiple cars are involved, I’m concerned about insurance companies deciding equal liability and having to pay up excess etc.
Car is almost certainly written off and both my OH and daughter are pretty sore afterwards.
Before I call an AMC on Monday morning, does anyone have any experience of situations like this?
mpit said:
The OH was involved in a multi-car pileup on the motorway yesterday.
Car in front slammed his brakes on to a complete stop. She stopped in time, but the 3 cars behind did not.
She was pushed into the car in front but he was unphased, claimed he had no damage and left without exchanging details.
Given the potential for complications in establishing liability where multiple cars are involved, I’m concerned about insurance companies deciding equal liability and having to pay up excess etc.
Car is almost certainly written off and both my OH and daughter are pretty sore afterwards.
Before I call an AMC on Monday morning, does anyone have any experience of situations like this?
Firstly hope your OH and daughter are ok. Car in front slammed his brakes on to a complete stop. She stopped in time, but the 3 cars behind did not.
She was pushed into the car in front but he was unphased, claimed he had no damage and left without exchanging details.
Given the potential for complications in establishing liability where multiple cars are involved, I’m concerned about insurance companies deciding equal liability and having to pay up excess etc.
Car is almost certainly written off and both my OH and daughter are pretty sore afterwards.
Before I call an AMC on Monday morning, does anyone have any experience of situations like this?
Secondly you might want to move this to SP&L.
But I would be getting in touch with my own Insurers now and let them do their job and hopefully resolve it all for you. That’s why you bought the policy.
Vasco said:
He left without exchanging details......?
I wonder why.
Ive been in a crash where we didnt exchange details, I didnt care about my car as it was worth fI wonder why.
k all and they didnt care because they didnt want an insurance claim on their record.We both just got out, had a look and drove our seperate ways.
alscar said:
mpit said:
The OH was involved in a multi-car pileup on the motorway yesterday.
Car in front slammed his brakes on to a complete stop. She stopped in time, but the 3 cars behind did not.
She was pushed into the car in front but he was unphased, claimed he had no damage and left without exchanging details.
Given the potential for complications in establishing liability where multiple cars are involved, I’m concerned about insurance companies deciding equal liability and having to pay up excess etc.
Car is almost certainly written off and both my OH and daughter are pretty sore afterwards.
Before I call an AMC on Monday morning, does anyone have any experience of situations like this?
Firstly hope your OH and daughter are ok. Car in front slammed his brakes on to a complete stop. She stopped in time, but the 3 cars behind did not.
She was pushed into the car in front but he was unphased, claimed he had no damage and left without exchanging details.
Given the potential for complications in establishing liability where multiple cars are involved, I’m concerned about insurance companies deciding equal liability and having to pay up excess etc.
Car is almost certainly written off and both my OH and daughter are pretty sore afterwards.
Before I call an AMC on Monday morning, does anyone have any experience of situations like this?
Secondly you might want to move this to SP&L.
But I would be getting in touch with my own Insurers now and let them do their job and hopefully resolve it all for you. That’s why you bought the policy.
mpit said:
The OH was involved in a multi-car pileup on the motorway yesterday.
Car in front slammed his brakes on to a complete stop. She stopped in time, but the 3 cars behind did not.
She was pushed into the car in front
Did your OH feel one impact or two? If one, then I doubt the car who hit her is to blame, as they were probably pushed into your OH by the car behind them. If your OH felt 2 impacts, then she was hit in the rear by the car behind, who was then hit by the car behind them. Either way, let your insurers sort it. establishing liability of the responsible car behind her may be tricky, but your OH definitely isn't liable and will not be held to be. Car in front slammed his brakes on to a complete stop. She stopped in time, but the 3 cars behind did not.
She was pushed into the car in front
kiethton said:
Vasco said:
He left without exchanging details......?
I wonder why.
If his car wasn't damaged I'd likely do the same and save me being linked and my insurance going up for a non-fault, no damage claim...I wonder why.
kiethton said:
If his car wasn't damaged I'd likely do the same and save me being linked and my insurance going up for a non-fault, no damage claim...
Depends why he stopped, presumably? It's against the highway code to stop in an active lane on the motorway unless in an emergency, so some fault could still lie with the driver in front. Noyzboy said:
Your OH was hit from the rear. Don't get involved with giving an opinion as to who behind was to blame for the accident.
The cause of your OH's damage was the guy directly behind her who hit her from the rear.
Stick to that. Keep it simple.
But if the driver behind stopped in time, and was hit in the rear and pushed into OP's partner, then they aren't negligent and you can't claim from them. Just as the OP's partner wasn't responsible for being pushed into the car in front of her. The claim needs to be directed back up the chain of cars involved. The cause of your OH's damage was the guy directly behind her who hit her from the rear.
Stick to that. Keep it simple.
Insurance will sort it all out.
Advising to let the insurance company deal with it is absolutely terrible advice.
They have no idea where they recovered the car to, wrote the car off without seeing it and two weeks later have still not paid out or arranged a hire car because it's a total loss.
I've always used an accident management company in the past and it has always been a beautiful, service driven experience.
They have no idea where they recovered the car to, wrote the car off without seeing it and two weeks later have still not paid out or arranged a hire car because it's a total loss.
I've always used an accident management company in the past and it has always been a beautiful, service driven experience.
mpit said:
Advising to let the insurance company deal with it is absolutely terrible advice.
They have no idea where they recovered the car to, wrote the car off without seeing it and two weeks later have still not paid out or arranged a hire car because it's a total loss.
I've always used an accident management company in the past and it has always been a beautiful, service driven experience.
No, it's good advice, you just have a terrible insurance company. They have no idea where they recovered the car to, wrote the car off without seeing it and two weeks later have still not paid out or arranged a hire car because it's a total loss.
I've always used an accident management company in the past and it has always been a beautiful, service driven experience.
mpit said:
Advising to let the insurance company deal with it is absolutely terrible advice.
They have no idea where they recovered the car to, wrote the car off without seeing it and two weeks later have still not paid out or arranged a hire car because it's a total loss.
I've always used an accident management company in the past and it has always been a beautiful, service driven experience.
How many accidents have you been involved in? They have no idea where they recovered the car to, wrote the car off without seeing it and two weeks later have still not paid out or arranged a hire car because it's a total loss.
I've always used an accident management company in the past and it has always been a beautiful, service driven experience.
Accident management companies have extortionate and unnecessary fees. They just drive up the cost of claims and policies.
Driver101 said:
How many accidents have you been involved in?
Accident management companies have extortionate and unnecessary fees. They just drive up the cost of claims and policies.
This is the fourth. All the others were while stationary, which must make me fairly unlucky.Accident management companies have extortionate and unnecessary fees. They just drive up the cost of claims and policies.
From what I’ve seen, the most unreasonable cost is that of body shops. Hire cars used to be ridiculous but are capped these days.
Frankly, if accident management costs are necessary to minimise disruption for non-fault drivers then so be it. Fortunately insurance companies seem reasonably good at attributing risk.
All insurance companies use accident management companies when liability is clear cut anyway. It’s not like you’re saving everyone’s premiums by going to your insurer.
On the plus side, my insurer have now offered a pretty decent settlement for my car. I just need to hope I can get the excess back.
mpit said:
TwigtheWonderkid said:
No, it's good advice, you just have a terrible insurance company.
Who would you recommend and can you share your experience with them dealing with a non-fault claim?By and large, the bigger established companies, Aviva, Zurich, and the like, will provide better service more often than Cheapquote Insurance, Bargain Discount Insurance company, etc. But they can all be brilliant and rubbish, often on the same day!
mpit said:
Advising to let the insurance company deal with it is absolutely terrible advice.
They have no idea where they recovered the car to, wrote the car off without seeing it and two weeks later have still not paid out or arranged a hire car because it's a total loss.
I've always used an accident management company in the past and it has always been a beautiful, service driven experience.
Credit hire car?They have no idea where they recovered the car to, wrote the car off without seeing it and two weeks later have still not paid out or arranged a hire car because it's a total loss.
I've always used an accident management company in the past and it has always been a beautiful, service driven experience.
If so...
Were you impecunious?
Were you offered any side promises that you weren't really on the hook for the credit hire charges they were going to present to the third party?
Did you understand or care what you were supporting?
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