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I do intend to go the insurance route, as I think it's going to be pretty expensive (on my side anyway, the other guy looks like he just need his bumper resprayed) and that's what I pay my premiums for every year! Yep, got legal protection as well, and protected no claim discount. I thought it might just help my case contacting the insurance straight away and taking it from there.
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Almost certainly it will be deemed your fault I think. The indicator, or lack thereof, is not particularly relevant.
At what angle was your car at the time of impact ? Would it be more correct to say that you cut across him giving him no chance to avoid or that you were on your course and he turned into you ?
By the way, this thread will move to Discussion later on. {Done. DD}
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I honestly don't think I cut across him (I'm a nice girl, I don't do things like that, I'd rather wait a few seconds than have a crash). Not sure about the angle of impact.
Sorry if I posted in the wrong section...
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Not certain of company you are with. But make sure you contact legal protection as an aside to insurance co..They dont always work together. I had this problem and lost my NCD for a month..It was re`enstated after letter from DLP to insurance co clarified result hence got my NCD back.
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Steve
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I'm with Liverpool Victoria, and thanks for the tip, I will check with them tomorrow.
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I had a minor accident in a remote single track country lane last year. I was approaching a blind bend at about 10 mph (yes 10 mph, I drive this way twice a day) when around the bend came a kid in a Cavalier at what must have been 30 mph. He had no chance and tore lightly down the side of my vehicle, which was stopped before he hit it. Absoloutely not my fault. Had some walkers on the lane who'd seen the cavalier speeding, had the cops there as well. It was a knock for knock and I could do nothing about it. btw he'd only passed his test the day before!
Seems to me unless you have solid witnesses and no ambiguity, no one wants to pay out and it goes knock for knock every time.
It's a right rip off and I ended up repairing myself rather than lose no claims and excess.
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Make sure explanation to insurance co. is the same to DLP if it is different you may lose the case. Good luck wish you well. Steve
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Steve
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Thanks... plan for tomorrow:
1) Go to Boots and drop off disposable camera to get pics developed - 3 sets needed I think (I always have one in the glove box, first time I've had to use it though)
2) Call the guy's brother to get insurance details off him (I'm going to do this from the office, on speakerphone with a couple of colleagues as witnesses, just in case he tells me to get lost...)
3) Call insurance co and give them other party's insurance details & check re informing DLP
4) Get pics back, go to police station to drop form off including set of pics
5) If the repair people haven't contacted me yet, give them a call & arrange for them to assess the damage.
Anything else I might have forgotten?
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This one is close to my heart.
Had a 7.5t lorry do to me exactly what you appear to have done to him i.e. go from inside of roundabout to exit. The only difference was that I was taking the same exit and it was one lane onto slip off roundabout.
I was shaken up as I had watched the wheel nuts tear down the offside of the car and it had lifted the car onto 2 wheels momentarily
Guy gets out of lorry (Courier service!) and admits to me and my passenger that it was his fault as he didn't see me in his mirror. We exchage details and off we go.
It was a company car so filled in forms etc, got car repaired and thought no more about it.
3 months later made redundant, handed back company car and bought a car of my own.
I went to arrange insurance and asked employers for confirmation that I had a clean driving record and was told I hadn't!
The lorry driver had changed his story and sed that I had tried to apss him on the inside. The insurance companies had agreed on a knock for knock and no-one had informed me.
This all happened in 1999 so I am just about to get full NCB back this year (touch wood)
Moral - Always get independant witnesses if you can and a written admission of guilt if appropriate and possible
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That is scary - but as you said, the difference is in the number of lanes exiting - in my case, if there'd been only one lane, I would have been on the left without any questions but as there were two lanes and I needed to take the one on the right...
What I am trying to work out is what the other guy was trying to do. He was going very slowly when I passed him (I would say about 10mph, but then it's hard to judge), so I'm wondering if he was trying to find his way, thought he would need the exit he was in lane for, saw the signposts, realised it wasn't the exit he wanted, and therefore wasn't paying as much attention to what was happening around him as he should have. Or he could have been looking at a map, or I don't know... It's all becoming too confusing...
I think I'm just going to go to bed and hope I can make some progress tomorrow. All I want is to have my car fixed as quickly as possible.
It would really bother me if I was found to be 100% responsible, simply because it would imply a major lack of judgement on my part... never had anything like that happen to me before and I'm always as courteous as I can to other road users.
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DO me a favour, do a forum search for "knock for knock".
It is nothing to do with fault. It never had been, it never will be. It doesn't apply the blame was 50:50, it doesn't imply that one or other was at fault. Its not connected, not relevant, not related.
It is simply an agreement which has been in place for the last 30 odd years between major insurers that irrespective of the fault each will pay their own accidental damage and not sue o seek to recover their money from each other.
It is partly an admin & cost thing and partly to stop them being able to attack a motor insurer they don't like - as has happened before - Vehicle and General, I think.
Recovery of uninsured losses is what normally determines how fault is deemed to have lain and who, if anyone, retains or loses their NCD.
Let them agree K4K, it doesn't matter. Recover your XS from the other person and your bonus will be unaffected.
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