Soldato
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Are you not statistically more likely to have an accident if you have never had one before seeing as millions of people have accidents?
Just been in a minor RTA. Who's fault is it?
- Thread starter manjuice
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Are you not statistically more likely to have an accident if you have never had one before seeing as millions of people have accidents?
My girlfriend had a non-fault accident in 2012. She then had another one earlier this year. So I'd say there's probably some truth in it.
Soldato
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Used to drive that road every day, slightly faster than you by looks of it.... The merc could be cautious because cars often do come from the joining slip straight across to the 3rd lane there.
Either way it's the car behinds fault 100%.
Either way it's the car behinds fault 100%.
No idea but its the insurance companies view and unfortunately that's the only one that matters.
It's just another legal way to rob us, the same as being penalised if you've ever had a claim against another licence but ncd and experience isn't taken into account.
Soldato
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My dad had an accident where he was crashed into whilst leaving a roundabout. My dad being naive just took a mobile number that was made up. I ended up buying a door and swapping it over.
Even just having it as no claim at all has had an effect on his insurance for the last few years.
Even just having it as no claim at all has had an effect on his insurance for the last few years.
Yes. And I'm more likely to roll another 6 than my mate who just rolled a 3.
voodoo init.
Whilst I disagree with (all) non fault accidents increasing your premium, this is a very poor analogy.
Seems pretty analogous to what I was responding to to me.
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this is such poor quality driving. The OP was on the brakes for a LONG time for me at least. His brake lights would have been visible for AGES. The person behind must have been an absolute moron.
Is that always the case? Didn't see anything happening with my insurance but saying that i had no-claims protection
Soldato
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It's always the driver behind that's at fault, with the exception of what happened to me once.
I stopped.
The driver behind stopped.
The driver behind him didn't and pushed him into the back of my car.
I stopped.
The driver behind stopped.
The driver behind him didn't and pushed him into the back of my car.
fact is, if it was a TRUE non fault accident then it would be a great analogy.
in the real world though, many peoples driving styles are not conducive to safe driving, and whist any accidents may be deemed non fault. The manner of driving including but not limited to; late, hard braking, consideration (letting people merge etc) and just general situational awareness will all increase the chances of an accident.
Shame there's no way to tell the totally random accidents to the ones potentially 'helped' by the 'non fault' driver
basically, someone who leaves it to the last minute before slamming on when coming up to junctions, queues, lights etc. will have more 'non fault' accidents than someone who doesnt.
No. Some companies don't take them into account.
Associate
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The one behind you - I would claim straight off them and not bother your own insurer. I would also report the blue car to Police for careless driving.
Not your fault at all, he went into the back so 100% his fault.
I recently had an non-fault accident. Other driver pulled into the side of my vehicle and wrote it off.
Put my premium up by £70 pound with my new insurer :/
I have to declare the accident when searching for insurance and state it wasnt my fault and that its considered "settled" by my own insurance company as I claimed through other drivers insurance.
So every accident will be taken into account, regardless of fault which will put the premium up :/ (Nothing I can do about someone driving into the side of me but oh well)
I recently had an non-fault accident. Other driver pulled into the side of my vehicle and wrote it off.
Put my premium up by £70 pound with my new insurer :/
I have to declare the accident when searching for insurance and state it wasnt my fault and that its considered "settled" by my own insurance company as I claimed through other drivers insurance.
So every accident will be taken into account, regardless of fault which will put the premium up :/ (Nothing I can do about someone driving into the side of me but oh well)
It is. Anyone who understands probability knows this.
The chances of someone running in to you (assuming you do nothing to cause confusion yourself) remains the same. Only the one at fault is more of a risk.
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