Insurance Liability

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Fri 24 Feb 2006 21:22
Insurance Liability - Periscope Tam
I was pulling up to an address and overshot by one house. I reversed back along the kerb to the correct house, which was on the corner of the street and was hit on my back right side bumper by a car that came around the corner. According to my insurer I am liable even though there was no car when I looked in my rear-view mirror. Does anyone think I can get them to change their mind and if so, how?
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Fri 24 Feb 2006 21:25
Insurance Liability - Falkirk Bairn
No, you were reversing and it is your duty to keep a look out for others
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Fri 24 Feb 2006 21:29
Insurance Liability - mare
I was pulling up to an address and overshot by one
house. I reversed back along the kerb to the correct house,
which was on the corner of the street and was hit
on my back right side bumper by a car that came
around the corner.


Put yourself in the other driver's position: you turn into a street and a car is reversing towards you!

According to my insurer I am liable even
though there was no car when I looked in my rear-view
mirror.


Did you only look in your mirror the once, were you looking through the rear window or what?

Does anyone think I can get them to change their
mind and if so, how?


Can't see any obivous way of changing their mind. Someone who knows more than me will be along shortly with the relevant bit of the Highway Code.
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Fri 24 Feb 2006 22:22
Insurance Liability - Clanger
HC rule 178 starts "Look carefully before you start reversing..."
and continues "look mainly through the rear window ..."

I agree with your insurer, you are definitely in to bat.



Hawkeye
-----------------------------
Stranger in a strange land
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Sat 25 Feb 2006 00:46
Insurance Liability - Avant
I agree - your insurance co.is right - but I do sympathise. It's an example of the appalling current trend of reducing rearward visiblity in the name of style.
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Sat 25 Feb 2006 06:44
Insurance Liability - L'escargot
According to my insurer I am liable


Provided that they pay for the repair, is it really a problem?
--
L\'escargot.
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Sat 25 Feb 2006 09:31
Insurance Liability - Bromptonaut
Circs not 100% clear, was the car that came round the corner emerging from a side road? . If OP (A) was creeping forwards along the kerb and car (B) pulled out into his path B would be liable. Does it make any difference if A was reversing?
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Sat 25 Feb 2006 11:50
Insurance Liability - Bill Payer
This reads as though you looked in your mirror, saw it was clear, then reversed without looking again - is that correct?

You ought to have been keeping a look out for anything else at all times so you could stop immediately. I think a crucial thing here is, where you moving when the crash occured? Ideally (for you) you should have been stopped. I imagine that the other driver would have come to the junction, glanced right, and then driven around the corner straight into you - a common accident, especially serious where someone is overtaking on the 'main' road.

What's the legality of parking on the corner anyway - it's clearly unwise, but it is only illegal at night when parked without lights?
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