Crashed my car...

Le Clandestin Brun said:
Yeh my neck and back hurt too, you did mention to them I was sitting in the back seat, didn't you?
Click to expand...
Neck and back pain is pretty much guaranteed trying to fit in the back of a TT :p

Op: didn't you say you only hit them at about 10MPH? Not sure how those injuries line up with that...
 
NoNameNoNumber said:
The insurance company have been on the phone to my Mrs. Pushing for her to go to the Dr's and get checked over.
She has had discomfort in her jaw and down into her neck and shoulder since. I'm of the mindset she should get checked and bang a claim in. She feels like a fraud and doesn't want to. What say you guys?

Also, it's a modified car, all declared ofc. No I wasn't chasing the Golf, it was only a gti.
How does that work with the insurance?
If they write the car off, and I was to get fair market value for the car. I can get another mk2 tts on 80k for around £9k. But to buy one that is 380bhp or to tune the next one to that level will be substantially more.

Any experiences with modified car insurance?
Click to expand...

Your wife should get checked out at the doctor's and make the insurance company aware. Hopefully it will heal quickly, but in the unlikely event that it's something more serious, if a serious injury was suddenly declared way down the line with nothing being reported around the time of the accident, this could look dodgy.

Regarding mods, it's my understanding that my own modified car insurance with declared mods allows the mods and will honour a claim, but the car is insured at market value only.
 
Unless you have a specific policy which states modifications are covered on like for like (only your insurance company can tell you this) it's unlikely that they will fork out any extra than the market price of a standard MK2 TT.
 
NoNameNoNumber said:
Moving into the outside lane of a dual carriage way kinda sweeping bend, behind a golf. We were doing around 40 accelerating up to 70.

Golf pulled away from us, a mondeo pulled out in the gap, (didnt cut me up) but then the golf came to a stop, queuing traffic ahead obviously neither me nor the mondeo saw.

Mondeo hit the golf I guess around 20-30 mph, I hit the mondeo maybe doing 10mph

Busy dual carriageway. I got out and said to both drivers, turn left at the roundabout (1/4 mile ahead) and pull over we'll deal with it there...

The mondeo disappeared into the traffic never to be seen again.

I spoke to the golf guy, we exchanged details, I gave him the reg of the mondeo.

So I am yet to speak to my insurance, but I cba to try and fix my car up myself. No idea if or how the mondeo guy would claim off me, I suspect he may not be insured.
Mine needs a bonnet, bumper, grills, and headlight
(Audi TTS)
Either way it'll be an insurance job.

Gah.
Click to expand...

If you hit the mondeo and the mondeo drove off then count yourself lucky since you hit from behind its your fault.
You didnt have to give any of your details to the golf driver since you didnt hit him.
 
XeNoN89 said:
Shows what I know then! Probably because I've never actually been in a crash
Click to expand...

It is quite amazing just what forces are involved with even low speed crashes. I was rear ended once at low speed and the two young girls couldnt even open their car doors and my towbar had crumpled up their bonnet and they had a smashed headlight and bumper. Peugeot 106 vs Isuzu Trooper :)
 
Wouldn't your insurance company be asking you/themselves for the money if you are the one claiming for injuries when you hit the car in front? Surely if you were a sensible distance away from the car in front then you wouldn't have hit him. 'Only a fool breaks the two second rule'.

I would have thought that there would be very little chance of claiming and succeeding for damages when you are the one responsible for the crash.
 
the insurance will pay out and if declared your fault then your no claims takes a hit with your excess, father in law had a fault accident and the airbag injured his wife (broke a bone in her chest) they paid out no problem.

i would get your wife checked out asap, i once had a friend who ran into a vehicle that had stopped at a empty pedestrian crossing similar 10/15 mph, he never bothered with insurance as there was no real damage (towbar/bumper) several months later he was paying for a back specialist out of his own pocket even after months he still had pain.
 
Cyber-Mav said:
If you hit the mondeo and the mondeo drove off then count yourself lucky since you hit from behind its your fault.
You didnt have to give any of your details to the golf driver since you didnt hit him.
Click to expand...

Yes it seems the Mondeo fled any resposibilty to the Golf - relieving you of your responsibility.
 
The OP has reported it and will be claiming off his own insurance anyway so it makes little to no difference whether the Mondeo's damage was added to the claim or not when it comes to premium increases.
 
gailjon said:
Wouldn't your insurance company be asking you/themselves for the money if you are the one claiming for injuries when you hit the car in front? Surely if you were a sensible distance away from the car in front then you wouldn't have hit him. 'Only a fool breaks the two second rule'.

I would have thought that there would be very little chance of claiming and succeeding for damages when you are the one responsible for the crash.
Click to expand...

You realise that's the whole point of fully comp. insurance? That it pays for your own damage when you are at fault?
 
Don't inurance companies have a pooled fund (we all pay into) for settling claims on unidentified/uninsured/stolen vehicles in crashes ?
so once they have connected the two incidents from the time/location, and common unidentified mondeo, won't they attribute costs/blaim to golf between that and OP.
 
Cyber-Mav said:
If you hit the mondeo and the mondeo drove off then count yourself lucky since you hit from behind its your fault.
You didnt have to give any of your details to the golf driver since you didnt hit him.
Click to expand...

Yep, i'd be peeved if i was the Golf driver as he's basically the victim of a hit and run.
 
Semple said:
I don't think the OPs insurance would even accept the claim from the Golf driver.
Click to expand...
It depends whether the OP hitting the Modeo pushed it further into the Golf causing more damage. e.g. small tap by the Modeo driver but large whack by the OP. I can see a reason there for the Golf's insurance company to go after the OP's.
 
Hades said:
It depends whether the OP hitting the Modeo pushed it further into the Golf causing more damage. e.g. small tap by the Modeo driver but large whack by the OP. I can see a reason there for the Golf's insurance company to go after the OP's.
Click to expand...

Ehhh I dunno. Maybe if they were both stationary and the OP went into the back of the mondeo. At any speed and onus would be on the Mondeo to have left a sufficient gap.
 
You must log in or register to reply here.
Back
Top Bottom