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I dont want my car to get written off

Poor way to end your holiday, but its a bit different being hit on a bike/moped than in a car.

Was this on a sharp bend?
Because if I saw the lights and moped in advance I would be anticipating them changing and be aware of the rider infront

Hope you get it sorted, it could have been alot worse
 
I'm not saying its not my fault... it clearly is since i'm the one who hit him in the back. And if i was stepping out into the road, i'd make sure that all vehicles that are approaching that light actually stop before crossing. :)

I was doing about 25mph at best... but when i slammed the brakes the car felt like it wasn't stopping the way i normally know it would... it was either skidding or the ABS was just overriding the full braking capacity, it just plowed right into him and there was nothing more i could do unfortunately. That road was quite icy i'd like to add though, and i'm so sure that in dry conditions i would've stopped in time, but thats just bad judgement on my part.

I'm at fault because i did make the assumption that he would continue through it, which he clearly didnt. But i was more concerned to see if he was ok, initially i was very relieved to see he got up and waved his hands at me in anger, but that quickly turned into pain and my heart sank. Its my first ever accident and i would've liked it to be a car rather than a guy on a bike... but such is life.
 
Maybe that's what some in London do, but not me and not most of the people driving around the part of London where I live.

Of course not, you live in the urbane west which is peopled by refined types wafting around in super saloons and the other sort in white vans. I've had the pleasure of living in N1, N16 and now SE25, its a jungle out there :D

Naturally, I have never jumped a red light in my life.


Ade
 
Of course not, you live in the urbane west which is peopled by refined types wafting around in super saloons and the other sort in white vans. I've had the pleasure of living in N1, N16 and now SE25, its a jungle out there :D

Hey, all those mums in their Chelsea tractors can make life on the road really hard you know. :D
 
Hey, all those mums in their Chelsea tractors can make life on the road really hard you know. :D

I know, one of them reversed over my bike once parked off the Kings Road. At least she had the decency to leave a note apologising with her contact details. I was so overcome by the milk of human kindness that I never sent her the bill for the new cylinder head and screen... she sounded quite old on the phone.

In crystal palace, they just picked up the bike and neatly piled the broken bits on the seat before driving off...


Ade
 
Hi

Totally of topic but in Ukraine the green light flashes on/off before the amber then the red giving extra warning that lights are going to turn to amber/red and supposedly giving extra time to motorists to adjust. I noticed the same in the south of Ireland a few times years ago, not sure if it is universally used in either though.

Neat idea i thought.

230k
 
So do I..

To the people saying that he will try to make a claim for no reason, I would often agree but for someone knocked to the ground from a lightweight moped and still managed to cause £2300 worth of damage I'd say he's probably pretty hurt.
People can get up from even horrific injuries due to the adrenalin rush and endorphins the brain produces to over-ride pain.

This is true.
25 years ago an elderley chap in an auto jag (not his car) got in a state and pressed the wrong pedal after filling the car at a petrol station.

The car lunged forward at speed.
I was walking towards the shop top pay for my fuel.
The car hit me (although I jumped into the air when I realised what was happening) and then carried on straight through the brick wall and aluminium windows into the shop.

I landed on the floor, got up and ran at some speed away from the incident.
A guy who witnessed the accident finally caught up with me and helped me back to the petrol station. I could hardly walk back, my legs were in an real mess. But I did manage to sprint away from the scene in pure shock, fuelled by a huge adrenalin surge.

For years you could see where the wall had been rebuilt.
It's a good job I jumped though, otherwise I'd have been sandwiched between a speeding jag and a brick wall;)
 
Firstly - glad no-one was seriously hurt or worse.

Right. Car. If they want to write it off come to some kind of cash settlement where you keep the car and get it fixed independantly. You're losing your NCD anyhow as moped man is most likely going to claim - his insurance company is likely to advise him to do so.
 
Not going to go into the rights and wrongs of it all - you've admitted fault and appear genuinely apologetic for it so that's that.

But, realistically you're better off getting the car written off and buying it back (you'll get it back for peanuts I would think), or letting the insurance company repair it (if they are willing to :))

No point paying out of your own pocket when the guy will be claiming for a new bike (or repairs), plus probably an injury claim.

Whether you claim or not, you'll still lose the appropriate amount of no-claims bonus and will have an accident recorded against your name. I'd just let the insurance sort it out.

Sorry to hear the holiday ended like that though, we've had some nasty weather recently and no doubt even some of the best of us have been or will be caught out :(

Will
 
deleted because I was wrong ............. sorry
 
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Dieselman raised this earlier - he is correct.

I said he would not have to pay an excess. AFAIK he would still lose some NCD at renewal unless he has protected discount, or am I mistaken.
 
Not 100% true. You will only lose your NCD if you claim for your car. 3rd party claims do not affect your NCD. Dieselman raised this earlier - he is correct.

You will get a loading next year for the claim - then the NCD will be applied to this.

And yes you do have to notify your insurers.

I think it is true :)

If you're involved in an accident, and deemed AT FAULT, I would think that due to your insurers paying out for a claim (to you or a third party), you would not be entitled to earn that year's NCD and would probably move down a tier for any NCD that you might already have. As well as (of course) the loading that would be applied for being (statistically) a more accident-prone driver.

And as you've pointed out - whether or not you or the other party were to claim, the insurers would obviously want to know about it.

Will
 
I said he would not have to pay an excess. AFAIK he would still lose some NCD at renewal unless he has protected discount, or am I mistaken.

My mistake - you would lose some NCD....just no excess to pay...apologies for mistake
 
Well its a non-fault claim for the moped as his was hit from the rear, and on that basis I would be very suprised if he didnt make a claim. And having back pain, he will most probably be entittled to compensation.

Its up to you, as you say the car is worth around £2500, so the insurance company will definatly deem it uneconomical to repair. So if its written off you will get around £2500 for it. And as a buy back figure id expect £300-500. So you may wish to make a claim, and buy the car back. Just an idea.
 
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He can stop any time he chooses.

Erm , NO !

That is not true . A driver MUST check behind before stopping or taking any action which might affect a following vehicle . Just slamming on the brakes for no reason at all or for a frivolous reason ( you stopped because you saw your friend at the roadside or to ask for directions or to answer your phone ) is not acceptable and if you caused an accident by making a sudden move which a following driver could not possibly anticipate then you would be held at least partially at fault .

Another time you should think twice before braking is if a dog or cat runs out in front of you : the normal advice is NOT to brake for one of these animals if doing so might cause a more serious accident than the one you would be trying to avoid . If you brake for a dog and someone rear ends you , chances are your insurer will hold you at least in part to blame !

It is NOT automatically the case that someone who runs into the back of someone else is ALWAYS held to blame .


It could be a child running into the road or another vehicle in front of him. If you hit him then it's your fault.

If you ended up stepping out into the road would you prefer an oncoming vehicle to check their mirror first and hit you - or hit the brake and stop in time.

Obviously , stopping in the case of a genuine emergency such as a child running out ( or even the classic case of the football coming out onto the road and there being the possibility of the as yet unseen child running after it ) has to be done regardless of whether the following driver can stop or not .

Similarly , if traffic in front has stopped/is stopping , you have little choice in the matter , but with forward observation you can anticipate these things and slow down earlier , perhaps brake earlier to give following traffic more warning , similarly with stopping in compliance with a red traffic signal - if the lights have been green since they came into view , you should anticipate a change and be ready .

Having said the above , we are all only human , and at the end of a long , hard day or a long period behind the wheel , we do get tired and that is when our reactions are sometimes slower and accidents like this can happen . It does not make us criminals or bad people ; if we can learn something from the experience then we can at least take something positive away from it .


Re the damage to the OP's W202 , the scrapyards around here are full of these cars - I'd hold off until I found one in the same colour as mine and then just buy a bonnet and a bumper to bolt on - no painting needed .

When I got my blue 190E a few years back it had some accident damage to the OSF corner - I got a headlamp and indicator from the scrappy for £25 , then I beat the wing more or less into shape and drove around like that for a couple of months until I found another Diamond Blue 190 in a breakers . The replacement wing cost me £15 and the paint matched perfectly . An hour or so of my own time to unbolt the old wing/bolt on the new was all it took .

Changing over a bonnet or bumper would be best done with an assistant , but just involves a few bolts here and there - as Neil mentioned , about £50 for a bonnet and I'd reckon about the same for a bumper . If your car is still driving and does not look too bad , I'd run around , visiting scrappys in my area , until a car in the right colour turns up - and save a few hundred on paintwork .
 
You must always be prepared to come to a dead stop at all times, this can't be argued, whether it be your fault or someone elses the fact wont change.

From what I understand you can choose where the car goes to, so if you take it somewhere and supply some parts yourself you can massively reduce the cost, it doesn't have to be at one of the insurance companies approved garages.

Dave!
 
My bad back took ten years to show up after i came off my bike and by that time it was to late to do anything about it, i manged to crush one of my kidneys and my liver and seriously damage my stomach, i still manged to stand up and walk over to my bike and turn it off before i had to sit down on the floor again, i had so much internal damage it was lucky i made it to hospital and they were having trouble keeping up with the blood loss, its amazing what you can do when your in shock.

No point any of us trying to apportion blame although my sympathies naturally tend to go with the biker.

As for your lisemce i wouldnt worry about it, they'll extend your time, no court is gonna bother trying to prosecute you for not having the paper part, its not worth the time and money, and the insurance company cant write your car off if you dont want them to unless its so badly damged its unfit for the road.
 
Erm , NO !

That is not true . A driver MUST check behind before stopping or taking any action which might affect a following vehicle .

Can I ask where that comes from?

The Highway Code says you must
Drive at a speed that will allow you to stop well within the distance you can see to be clear.

Which suggests that if you hit something in front of you, you were too close and/or going too fast and therefore (presumably) at fault.
 
As others have said, adrenaline can go a long way to hide an injury...

I came of a motorbike, rode home and only ended up in A&E 6 or 7 hours later. Similarly I broke an ankle (rolling down 5 flights of stairs in the process), and didn't go to hospital for half-a-day. I've had a bicycle handlebar go about 3-inches into my thigh and rip downwards. I stood up and thought I had a scratch, until my friend started screaming...

As for the accident itself, I can't really give an opinion on fault, I wasn't there, and I don't have enough information so I just wont give my opinion; BUT, it does raise the question... would winter/ice/snow tires have helped?

M.
 
If something runs out in your path, be it a dog, cat, kid, etc then surely your first and natural instict would be to break and break hard.

Looking in my mirrors, thinking is the car too close behind me to break could take a split second. A split secong too much between life or death.

Sorry I would break
 

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