5 car pile up.

mOdO · 6 Dec 2012 at 10:24

So, after creating this thread last night http://forums.overclockers.co.uk/showthread.php?t=18466729

I ended up in a 5 car accident at 7:25am this morning and I was second from the front.

Vehicle 1:

Vehicle 2 (Me)

Vehicle 3

Vehicle 4:

Vehicle 5:

Corsa did break suddenly and stopped, myself and Seat were stationary, Mercedes went into the Van and then the domino effect.
However, there was an old women standing on the pavement, shining a blue neon light for what ever reason . As we all pulled over, she walked off past the field...
Everyone was fine, police turned up at 8:45am - toes were frozen :rolleyes:

Day off work, result

How does the insurance process work?

paradigm · 6 Dec 2012 at 10:28

Assuming you had come to a stop (without hitting the car in front) before the accident, you are not at fault. The guy in front will however claim off you, but then you'll claim off the guy behind, who will claim off the guy behind, who will... etc

You should get away excess-free and blame-free, but your insurance premium will likely rise anyway.

mOdO · 6 Dec 2012 at 10:33

paradigm said:
Assuming you had come to a stop (without hitting the car in front) before the accident, you are not at fault. The guy in front will however claim off you, but then you'll claim off the guy behind, who will claim off the guy behind, who will... etc

You should get away excess-free and blame-free, but your insurance premium will likely rise anyway.

Thanks for that. Yes I was stationary. Great Christmas present

4T5 · 6 Dec 2012 at 10:39

Made a right mess of that Silver Mercedes, Well done for getting pics & glad you're Ok.

sneakypenguin · 6 Dec 2012 at 11:05

4T5 said:
Made a right mess of that Silver Mercedes, Well done for getting pics & glad you're Ok.

+1

I'm guessing it'll be a write off

grimm · 6 Dec 2012 at 11:22

That merc driver was obviously still snoozing.

Scania · 6 Dec 2012 at 11:24

I wonder how fast the Merc was going?

Either way, it did its job of absorbing the impact....

Just out of curiosity, did anybody else stop as a witness? - as per your somewhat fate tempting (with hindsight!) thread....

mOdO · 6 Dec 2012 at 11:30

It was a 40mph road.

No one stopped! They all kind of stared...

However, a yummy mummy with 3 kids in a nice Mercedes offered to help

iamtheoneneo · 6 Dec 2012 at 11:31

what on earth was the last car doing? that looks like a pretty hard impact , looks like all the other cars got away lightly.

DAIR · 6 Dec 2012 at 11:32

iamtheoneneo said:
what on earth was the last car doing? that looks like a pretty hard impact , looks like all the other cars got away lightly.

Hmm. Thats what I was thinking.

Insurance fraud. How many people were in the Merc?

LiE · 6 Dec 2012 at 11:33

Curious, did you have your handbrake on?

mOdO · 6 Dec 2012 at 11:35

Mercedes driver was an old lady, no passengers in any vehicle.

I had my foot brake.

Lowe · 6 Dec 2012 at 11:51

paradigm said:
Assuming you had come to a stop (without hitting the car in front) before the accident, you are not at fault. The guy in front will however claim off you, but then you'll claim off the guy behind, who will claim off the guy behind, who will... etc

You should get away excess-free and blame-free, but your insurance premium will likely rise anyway.

Not how it works - at least not in my experience. Similar thing happened to me, I was stationary, as was car behind. Someone hit the car behind who then hit me. The claim was with the driver who caused the accident in the first place, not the one who actually hit me.

mOdO · 6 Dec 2012 at 11:58

Just got off the phone with Admiral, they said the Mercedes will be at fault and I will not have to pay the excess. It should not affect my no claims and premium.... it better not!

LiE · 6 Dec 2012 at 11:59

They say that, but you will still need to include the accident in your insurance details which may increase the price slightly.

apeksdiver · 6 Dec 2012 at 12:01

Good job the transit took most of the impact! That would have made quite a mess of a smaller vehicle.

Morba · 6 Dec 2012 at 12:02

DAIR said:
Hmm. Thats what I was thinking.

Insurance fraud. How many people were in the Merc?

How would it be insurance fraud when it will all go back to the owner of the merc?

alexthecheese · 6 Dec 2012 at 12:06

apeksdiver said:
Good job the transit took most of the impact! That would have made quite a mess of a smaller vehicle.

Indeed... he must've had quite a surprise though when that thumped him from behind! I'll have a flake with that Whippy, please.

ZXSpectrum · 6 Dec 2012 at 12:59

Morba said:
How would it be insurance fraud when it will all go back to the owner of the merc?

The detail is the questioning of how many people were in the merc. Basically the driver causes the accident and then the passengers claim whiplash etc.. He isnt bothered about his premium/no claims etc as he will get a decent share of the compo payout. :rolleyes:

Morba · 6 Dec 2012 at 13:05

Skyline said:
The detail is the questioning of how many people were in the merc. Basically the driver causes the accident and then the passengers claim whiplash etc.. He isnt bothered about his premium/no claims etc as he will get a decent share of the compo payout.

Surely the traditional way would be to be hit rather than hit something, otherwise you might as well hit a wall or a tree, or a parked car without risking other peoples lives?