Had an Accident

[buster651]

I was tail ended when stationary by van doing 50 wrote off me and car in front it took 3 days for whip lash to develope and 8 months to be pain free not all claims are fake

 

[AMGeed]

1 more thing I wanted to ask
if this matter does not solve in next 3 months and my insurance renew is due
I will not get NCB so what will I tell in next insurance.
Should I stick with Allianz for my next Insurance, even they are costlier than others on
compare websites?

Whoever you decide to insure with, you will have to declare the accident and that will be taken into account when calculating your premium.

 

[MancMike]

Either way you will end up out of pocket over this, regardless of fault. Go and fill in insurance quotes and add a non-fault accident, it'll add considerable amounts to the quotes.

 

[AMGeed]

Either way you will end up out of pocket over this, regardless of fault.

Not necessarily. I had a non fault accident in 2013 and my premium went down. The 3rd party owned up to his own insurance company on the spot and they dealt with my claim totally. I just advised my insurance and paid no extra.

 

[MancMike]

Not necessarily. I had a non fault accident in 2013 and my premium went down. The 3rd party owned up to his own insurance company on the spot and they dealt with my claim totally. I just advised my insurance and paid no extra.

So then the owner's vehicle gets returned fully repaired, but now has an accident repair on record, so will affect the value.

You're very lucky if it doesn't cost you one way or another.

 

[John]

1 more thing I wanted to ask
if this matter does not solve in next 3 months and my insurance renew is due
I will not get NCB so what will I tell in next insurance.
Should I stick with Allianz for my next Insurance, even they are costlier than others on
compare websites?

The current year NCB will be suspended until this matter is resolved.

So if you would have had 40% at the end of this insurance year, you will carry 30%. The other 10% will be regained once the matter is resolved and no claim is made against you ultimately.

The other driver can't claim for his injuries as it was his fault..

I'd love to live in your world!

 

[MercedesDriver]

Would it make any difference if:
driver was a white guy was in ocado van, was going to deliver groceries to a mansion on that street, he had accidents before, I spoke to his boss (waitrose branch manager), Cockney guy, he said don't worry, we will sort this out etc.etc.
Is there any difference?
You've had an accident and that's the fact. Give as much information as possible to your insurer and if it's not your fault there's nothing to worry about.
Are you sure that it's not your fault?

 

[E55BOF]

You've had an accident and that's the fact. Give as much information as possible to your insurer and if it's not your fault there's nothing to worry about.

Sadly, not necessarily true. In the absence of an independent witness, even if you are totally blameless it will depend on the other party's statements to his insurers.

Even with an independent witness, the other side may very well prolong it as long as possible, in the hope that you will die/lose interest and give up/settle for less than you are entitled to. Many apparently open-and-shut cases are not finally settled until not long before the scheduled court hearing.

 

[219]

Sadly, not necessarily true. In the absence of an independent witness, even if you are totally blameless it will depend on the other party's statements to his insurers.

Even with an independent witness, the other side may very well prolong it as long as possible, in the hope that you will die/lose interest and give up/settle for less than you are entitled to. Many apparently open-and-shut cases are not finally settled until not long before the scheduled court hearing.

That is quite true : many years ago , not long after I had started driving , I was turning right at a traffic light controlled crossroads ; I had stopped in the correct position on my own side of the road and an oncoming driver , too impatient to wait for the car in front of him to turn left , overtook and clipped the o/s/f corner of my car only breaking the indicator lens on my mum's Mk 1 Ford Granada but doing more damage to his own car .

Alas there were no witnesses , and I recall the letter from his insurer saying something like "we respectfully acknowledge your driver's claim that he was stopped in the correct position , but our driver's account differs from this and we see no reason not to believe him" . Back then ( 1970's ) the claim was settled on the old 'knock for knock' basis with each insurer paying the damage to 'their own' vehicle - not quite the same as the newer 50:50 - and since I only needed an indicator lens , my mum's insurer allowed me to replace it myself as it was less than the excess on the policy .

 

[NDFR]

So then the owner's vehicle gets returned fully repaired, but now has an accident repair on record, so will affect the value.

You're very lucky if it doesn't cost you one way or another.

I'm pretty sure that's not accurate.

My mother reversed into my car at quite a speed a few years ago causing quite a lot of damage. Her insurance repaired that.

When time came to change the car the dealer we bought the next car from did the HPI check and nothing was recorded.

I was thinking only write offs are recorded.

 

[MercedesDriver]

Sadly, not necessarily true. In the absence of an independent witness, even if you are totally blameless it will depend on the other party's statements to his insurers....

That is quite true...

Luckily OP's wife was in a car with him and his best man with his wife was in a car behind when accident happened and will testify that the event was exactly as he described. I am quite positive that some of OP's ex-colleagues (they haven't been in contact for ages since he left company and actually don't know each other) was also on the road crossing and have seen what have happened as described by OP.

 

[AMGeed]

I'm pretty sure that's not accurate.

My mother reversed into my car at quite a speed a few years ago causing quite a lot of damage. Her insurance repaired that.

When time came to change the car the dealer we bought the next car from did the HPI check and nothing was recorded.

I was thinking only write offs are recorded.

It isn't accurate. I've since done an HPI on my car and no accidents are recorded.
Whether anything shows on an insurance database that HPI are not privy to I can't say.

 

[Deleted member 6183]

Luckily OP's wife was in a car with him and his best man with his wife was in a car behind when accident happened and will testify that the event was exactly as he described. I am quite positive that some of OP's ex-colleagues (they haven't been in contact for ages since he left company and actually don't know each other) was also on the road crossing and have seen what have happened as described by OP.

So lies then?

 

[AMGeed]

So lies then?

Yep. Poor advise given there.That is the wrong path to take IMO.
Tell the truth to your insurers and leave them to apportion blame.

Telling porkies will get you found out and a possible criminal conviction.

 

[renault12ts]

So lies then?

Yep. Poor advise given there.That is the wrong path to take IMO.
Tell the truth to your insurers and leave them to apportion blame.

Telling porkies will get you found out and a possible criminal conviction.

Why do we not have a tongue in cheek emoticon?

 

[Deleted member 6183]

Why do we not have a tongue in cheek emoticon?

Is that a trick question?

 

[219]

Yep. Poor advise given there.That is the wrong path to take IMO.
Tell the truth to your insurers and leave them to apportion blame.

Telling porkies will get you found out and a possible criminal conviction.

To do so would be to defraud an insurer , and possibly to pervert the course of justice if charges were pending .

 

[MercedesDriver]

Sadly, not necessarily true. In the absence of an independent witness, even if you are totally blameless it will depend on the other party's statements to his insurers.

Even with an independent witness, the other side may very well prolong it as long as possible, in the hope that you will die/lose interest and give up/settle for less than you are entitled to. Many apparently open-and-shut cases are not finally settled until not long before the scheduled court hearing.

So lies then?

Yep. Poor advise given there.That is the wrong path to take IMO.
Tell the truth to your insurers and leave them to apportion blame.

Telling porkies will get you found out and a possible criminal conviction.

Porkies for porkies.

But I would stick with :

Give as much information as possible to your insurer and if it's not your fault there's nothing to worry about.
Are you sure that it's not your fault?

 

[johnsco]

A forensic examination of the two vehicles will provide a great deal of information in support of the OP's description of the accident.
Accident damage will provide very clear evidence of the relative positions of the two vehicles at the moment of collision.
It will provide evidence of relative motion, as the damage will provide directional information, and probably evidence of relative velocity.
You will need to push your insurers on this, as they will prefer to procrastinate and will often be happy to settle for a 50/50 disputed claim, if there are no independent witnesses.
My experience of total lack of support from my insurer in an accident that was clearly not my fault (and the boy-racer legged it !) was a bitter experience ... I lost my excess and I am still suffering a reduced no-claims discount as a result.

Try to ensure that you get them to consider a full engineer's report on both vehicles ... and don't hold your breath for an outcome in your favour.

 

[ajayjain]

Thank you all,
good news, claim has gone in my favour
will get my access back, I paid for repair
his claim for loss of work and injury has been rejected by my insurance company