Accident advice

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29 Aug 2003
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Guys

Looking for advice! Was driving through town earlier tonight driving down a four lane one way street, left hand lane was stationary at red lights turning left filter lane, I was in second lane straight ahead filter light green, two remaining lanes to my o/s were turning right stationary at red.

As I proceed down my lane through the channel of stationary traffic on either side the passanger of a stationary ford fiesta in my right hand side lane of stationary traffic decides to open his door fully into my lane as I'm doing speed limit of around 30 burying his door into my o/s wing bringing the coupe to a halt there and then pretty much. The timing was perfect, instantaneous, as I came passed his rear quarter pannel I couldn't even really go for the brake before it had swung open and made contact with my indicator and we bang together. Traffic infront of him pulled away so I swung out and cut in across in front of him. As I go to get out he starts to reverse clumsily, looking rather annoyed, so I shouted something telling him not to bother (assuming he was about to try and do one) and he waved and said he was pulling in. Passanger who opened the door was looking dazed to the point of unconciousness, it must have been like an explosion in his face. He's very lucky he didn't lose his arm or head. I check on my passanger, she's ok but I think we're all a bit shocked.

Indicator ripped out entirely, wing crumpled down badly onto wheel arch which was depressing onto the tyre, front bumper clipped and distorted, little plastic bit under the headlight poking out, headlight amazingly unscathed as was the bonnet. Wheel and tyre ok, a small bit of scrubbing on tyre surface. Only thing on the fiesta was the door which was pretty mashed.

Seeing how drunk the dip**** passanger was - and also thinking he had come by some damage while seeing bottles of drink in the footwell - and that I also suspected the driver to be under the influence once he had popped out I said I was going to call the police due to the nature of what had happened and where it had; the city centre.

I call the police, he checks on his passanger. Finish the call and go over speak to driver again, he's quite apologetic and initially admitted fault, explains his passanger was drunk and shouldn't have opened the door when he did. Said it was alright, we both get passanger out of fiesta. I leave them and go to car for better look, call greenflag who won't come as I only have breakdown. Call insurance for recovery and get what seemed to be some out of hours cover company, phoned died before I could finish call. Back to their car, passanger's ok but holding his head a fair bit and talking drunken mince. Driver says he's covered, asking me what do I think will happen, I say that even though it's a rough deal I suspect that it will be his policy since it was the actions of his passanger. He is a bit down about this, and his car, and his mate, console him a bit and he is very sorry about my motor he says.

Mrs comes back with a hot chocolate, and the police arrive and take statements. Give an account of the above to the man, the woman pc deals with them. This takes a while, so in between times I've started to jack the car up and take the wheel off. He looks angry at points, I'm not sure if its at me because I got the police.

Get given incident number card, PC tells me other driver is insured and we can swap details but insurance can do it through them. Speak to guy again when he's finished his statement, back to nice again, we're all chatty and he's waiting on someone coming with his insurance documents. WPC finishes with passanger, who's now protesting his role in the matter somewhat, and do a breath test on me and the driver. We both blow nill. His friend appears around the time the police go, and driver and I swap insurance details names etc. Friend, and older guy more my age, starts to ask what has happened. I explain, and from the off he's giving it all 'well it's no his fault' etc. I'm just playing it easy. He can't get recovery, and I've not even tried to phone mine again with phone charging in car. Some cognative dissonance later on my behalf, and we all go over to fiesta which for some reason police had instructed driver to move to other side of the street (the first, left hand filter lane). His door is bashed pretty well, tell him to get rope which amazingly they had some, and tied it 'shut'. They leave and I go back to mine, luckily got cutters in the boot so go about cutting away the borked bits of liner away, find the disc heatshield has also snapped off at the top bolt, then set about wellying absolute lumps out of the inside of the wing with my boot as the metal I had on me was doing nothing. Eventually get lots of tyre clearance, and remove remains of indicator bulb that I found arching away inside the arch, wheel back on and back on the ground. Go to start it, two and a half hours after initial prang, and starter solenoid won't even click. Sit for half an hour for greenflag quite fed up now, quality guy arrives gives me a boost. Starts in a jiffy, sounds ok, his multimeter shows a varying 10~v charge. Give it fifteen minutes, while we're both having a look around the wing which is quite nice of the guy since it's in no way his remit, and we conclude that perhaps some loom has been clipped by the nasty kinks in the wing. Alternator still not producing enough charge, so I drive off, and get to my destination. There is a bit of steering play, but suprisingly ok other than that.

I'll add pictures shortly and I do apologise for the wall of text, but I would like to hear your opinion on the best way to approach this. Through my insurance in the first instance or theirs? I've never been in a claim accident before. Fully comp with a £200 excess. Car's an 02 e46 318Ci.

It's fixable by my hands, it's just not my fault! Tired, sore-ish foot and a sad looking car. :(
 
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Sorry to hear of your misfortunes Biohazard! I had very nearly the same situation last year, except this was a police car! Luckily I managed to emergency stop and get into my boxing stance. The officer apologised and admitted they hadn't looked and we went on our separate ways.

Realistically, with them opening the door "into" the area of your lane it is their fault. I've not been in an accident so probably not the best person to give advise, but I would contact both insurance companies personally to get the ball rolling and to get my insurance company to get push and get it sorted asap.
 
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Sad panda.
 
I'm no expert on this, but I think you are meant to let your insurance deal with it, it should be fairly straightforward as they have the police statements and so on.

At least you're okay, car looks a bit sorry for itself though! :(
 
Yeah I'm fine, thanks. Just a shock, was very quick but I clearly saw what happened, it was the abruptness of coming to a stop I think their door bounced off the guys head and hand with the impact. I came to stop pretty much staring at them thinking 'wtf'.

I should have probably got the insurance to pick it up, but honestly they won't be able to tell the difference between what my left boot did and his door. I just didn't want to be recovered home, I wasn't ready to go home yet. Plus if I can't move it I've failed. :D I'll phone them in the morning, I'm just suprised the police weren't interested in the guy drinking in the car. I thought that was an offense.

Yeah it does look sad. The whole time I'm checking the passanger that's all the mrs was saying!

The worst bit of it really is the structure under the wing, it would re-shape but it's going to be a serious PITA to get that crumpled mess off.

Be interesting to see what the insurance make of it. Still drives well otherwise.
 
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Having a peek;

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Nice. I pulled a lot of that ****e out so I could gain access to the bent arm under the wing. And kicked at it for a minute or so until i could see a bit more of a wheel shape;

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And the offending door;

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An "open and shut" case you say..
 
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Just phone your insurance and let them handle it. That's what I've done in both cases where some ****er has driven into me.
 
Well, turns out my insurers are lazy and largely incompetent. Tried for a week to get hold of them and continually got 'too busy, we'll call you back'. Never did. Phoned today because I still hadn't heard and another call back, so I phoned the repair garage to try and work out from there what was happening;

Repair ETA 27/03

1 x front bumper
2 x wheel arch (!!! I didn't even look at the other side)
1 x wing
1 x indicator
1 x headlight
1 x headlight trim
1 x inner bumper

£1710.00 inc VAT so far but the girl did say, obviously, that would be subject to change should they find anything else. Which I bloody hope they do because the steering was away to ****, but I'll wait keenly for the final repair.

So I'm thinking, what's going on. So I phone insurer again and same stuff, so I spam through to another department and eventually manage to speak to someone who isn't a human voicemail machine.


I ask for an update on liability and it's gone no where was the response, nothing heard from other party. I made clear the car was going to be ready soon and I expect a little bit better effort from my insurers in rectifying my situation. He phoned back a few minutes later and informed me that they were essentially going to drop the 3rd party claim because I didn't have the reg number of the other vehicle - didn't come up in photos and realised after - even though I had police incident number, his name address insurer and policy number... None of which he seemed to be aware of even though it was all explicitly stated in my claim conversation initially.

Not even ten minutes later I had the registration number from Lothian & Borders police, very helpful, and told the insurance I expected much better effort from them. We'll wait and see.
So only now are they away getting the statements and so forth, using the excuse of being unable to interface with anyone because of lack of registration details.

Right, now to the question... once you've put in a claim does the insurer have to seek permission before repair works take place?
 
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No, the insurer does not need to seek permission from you to commence repairs.

I'm confused as to why you are dealing with your insurer for this repair if its somebody elses fault? It just leads to messy annoying situations like this - btw, your NCB is currently missing in action until they receive settlement in full from the third party, as well. It's basically being treated as a fault claim until they get the money.
 
Thanks. Yes I know fault 50/50 I knew before I called, that's not my concern as they have admitted liability it's the absurd laziness of my own insurer that's been the issue until today. The reason I went through mine was, perhaps wrongly, I assumed it would be easier in case it went into a protracted dispute which I certainly don't have time for during normal office hours. That the other insurer hasn't replied to a correspondence, and mine hasn't bothered much up until today, then citing lack of reg details as the likely reason for no response, it's been a good lesson into shifting insurer on renewal and avoiding ninja-doors!

NCB is with another car and policy anyway.
 
You lucky git.

I say lucky as its pretty obvious that they opened the door on you.

I had a muppet open his door on me. It hit half way down my wing, put a hole in my A pillar and the ins settled 50:50 as the other driver said his door was already open an I just drove into it.

Glad your ok.
 
Who is your insurer?

Privilege. They were cheap but not very good when you need them it would seem.

Nothing worse than paying someone to do something and having to constantly chase them up or worse having to do it for them.

I'm not going to even bother writing in to complain, waste of my time frankly I'll just talk with my feet come renewal.
 
You lucky git.

I say lucky as its pretty obvious that they opened the door on you.

I had a muppet open his door on me. It hit half way down my wing, put a hole in my A pillar and the ins settled 50:50 as the other driver said his door was already open an I just drove into it.

Glad your ok.

I would imagine so too. I offered to email the pictures above to the claims handler today. "We don't have email here".

What, outter mongolia? Fax copy resolution is the evidence they crave. Which seems mental to me, but clearly that's how you run an insurance firm.
 
I had a recovery vehicle reverse into me 2 weekends ago, my insurance company have been brilliant, all dealt with same day, car booked in, hire car on its way.

No email ??? Sounds shoddy.
 
Privilege. They were cheap but not very good when you need them it would seem.

Nothing worse than paying someone to do something and having to constantly chase them up or worse having to do it for them.

I'm not going to even bother writing in to complain, waste of my time frankly I'll just talk with my feet come renewal.

This is a big issue with insurance companies you never find out how good they are till you actually have to use them and you hope you never do.
 
When I had a non-fault accident I let my insurance company Admiral start the ball rolling. They got liability from the other party (Zurich) within a few days. Quicker than I was expecting!

Then i promptly dumped Admiral in dealing with it and phoned Zurich myself with the policy number. Few hours later I had the assessor ring and book a time to view the damage. After that I took the car to a garage of my choice.

Think this is the best way to handle it, as it doesn't mean I have to pay my compulsory excess and get my insurance to claim the money back.
 
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