Accident advice - double ended!

Maz

Maz

Maz

Soldato
Joined
18 Oct 2002
Posts
7,387
Location
Newcastle.
Just had an accident, I was travelling along a dual carriageway doing less than the speed limit 40mph.

Car in front braked heaviliy, I braked heavily and car behind braked heaviliy.....

Car behind (Ford Ka) went into my car (Audi A4) went into car in front (Audi A3).

My insurance company is hopelessly useless and take forever to do anything, I suspect my car may be a write off due to damage on both ends and the fact that it's a 51 plate car and a decent quality repair (Bonnet replacement, front bumper replacement, rear bumper replacement, tailgate replacement, tow bar replacement) is going to be a lot of money.

The problem I have is now I have a car which was worth £3k to me sold, is now not sellable (I'm a motor trader) so do I go through a accident management company and let them claim from people behind or do I speak to my insurance company due to the fact that I went into someone?

Thanks
 
Now is the time to speak to that fella you know in the body shop that painted the Alfa :)

Sorry to hear about the bump.
 
I think it's a bit too ambitious for him as there is bent metal involved!

Think I'll give Helphire a call tomorrow to see if they can repair this car pronto!
 
Problem if you are trying to avoid a writeoff is by the time Helphire have added £4k of hire car costs onto the bill it'll get written off anyway.

Plus presumably if its just a car for stock you dont need a replacement vehicle anyway?

Dont you have a TT TDI?
 
I remember reading somewhere you shouldn't need to get your insurance company involved because it's all the Ford Ka's fault so their insurance should cover damage to all 3 cars.
 
I thought the golden rule for a traders policy was never claim for anything, unless it was an epic disaster.
 
the guy at the front will claim off his insurance, then his insurance will claim off the Ka, to be fair it may not work like that because you must have been too close to the car infront to hit it, unless the ka was doing some silly speed
 
TT hasn't been delivered yet - that's another rant though.

I was curious as to who takes the fault seeing as effectively I caused the damage to the car in front, ideally I'd like the car repaired but don't want to be without it for weeks on end as it's a depreciating asset and I've just advertised it - not as if I don't have another car to drive, or I'd like the car written off and settlement paid quick.
 
acemastr said:
the guy at the front will claim off his insurance, then his insurance will claim off the Ka, to be fair it may not work like that because you must have been too close to the car infront to hit it, unless the ka was doing some silly speed
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It's raining pretty heavy up here and the road where the accident happened is on a hill with the rain running down the road, I was the car in the middle and the car in front stopped very sharp and I'd have just about stopped right behind the car (ABS going mad) I'm assuming the Ka didn't have ABS which is why she smashed into me!
 
Maz said:
TT hasn't been delivered yet - that's another rant though.

I was curious as to who takes the fault seeing as effectively I caused the damage to the car in front, ideally I'd like the car repaired but don't want to be without it for weeks on end as it's a depreciating asset and I've just advertised it - not as if I don't have another car to drive, or I'd like the car written off and settlement paid quick.
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Don't quote me but I'm pretty sure that each person claims from the person who hit them - only your claim will be for the cost of your damage and the cost of meetnig the other persons claim, so once its all finished, your insurers net payout is £0 and you keep your NCB.
 
edit: mis-understood, I thought you went into the back of the car infront and then you were hit, not you were hit resulting in you hitting the car infront of you.
 
[TW]Fox;17223333 said:
Don't quote me but I'm pretty sure that each person claims from the person who hit them - only your claim will be for the cost of your damage and the cost of meetnig the other persons claim, so once its all finished, your insurers net payout is £0 and you keep your NCB.
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Thanks, that does make a lot of sense.

Now next question, do I get an accident management company involved to repair / write off my car?
 
Maz said:
Thanks, that does make a lot of sense.

Now next question, do I get an accident management company involved to repair / write off my car?
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Get one involved and hire car costs will almost certainly write the car off and stretch the whole event out.

Thinking about it though I'd be amazed if one party or insurance company doesn't try and mess you about and you'll end up losing NCB till the truth all comes out and everything gets sorted.
 
Peerzy said:
Get one involved and hire car costs will almost certainly write the car off and stretch the whole event out.

Thinking about it though I'd be amazed if one party or insurance company doesn't try and mess you about and you'll end up losing NCB till the truth all comes out and everything gets sorted.
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I don't have any NCB anyway, because this is a new policy which was started in December 2009 - before which I had company cars or named on other trade policies.
 
Maz said:
I don't have any NCB anyway, because this is a new policy which was started in December 2009 - before which I had company cars or named on other trade policies.
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In which case they won't issue you with a NCB at the end of the year until this is all cleared up. Doesn't seem like too much of an issue but it happened to my Grandad, so he had to get next years quote without an NCB, then he got his NCB back 9 months into the policy and had to chase for a refund for the right amount and so on.

Was so much extra work for him.
 
A Friend was recently faced with the same situation in the snow, he was rear ended, and subsequently smashed into the car in front of him.

Like Fox said, his insurance paid out the person he hit, and then his insurance company claimed his repairs and the cost of the person he hit from the person that rear ended him.
 
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