Car accident

koolpc · 27 Sep 2021 at 09:39

Had call sat morning from police. A guy had crashed his car into mine and another while mine was parked in the street in a parking bay.

Went to see it. Guy and police there. Back of my car smashed on right hand side, light, bumper torn off partially, underside squashed, side panel dented.

Now, guy was driving a mobility vehicle and he said he blacked out.

Police took breath test, negative. No charges etc.

Took all details.

I rang his insurance and they said if he had a blackout he not / they not liable!!

They said i may have to claim through my insurance!!!! Cant believe that.

Have to wait now to see what his insurance say as he not contacted them yet about the incident.

Anyone been through this type of incident?

koolpc · 27 Sep 2021 at 10:17

Cheers

koolpc · 27 Sep 2021 at 12:11

Cheers guys. I have done what you said. My insurance is now dealing with it. They waived my excess too!

koolpc · 27 Sep 2021 at 12:24

Yea, just uploaded lots of pics to my insurer as requested. Car driveable but i can see that chassis is a bit crumpled at the rear behind the wheel arch / bumper area!

koolpc · 27 Sep 2021 at 12:27

koolpc · 27 Sep 2021 at 16:21

Been a sufferer of anxiety / depression for 18 years. On meds whole time.

Anxiety is utterly horrible to live with. Debilitating.

Anyway, back on topic...

koolpc · 27 Sep 2021 at 20:13

Lopéz said:
Get a grip m8

Go boil your head

koolpc · 27 Sep 2021 at 21:48

Thanks guys.

I was just miffed when his insurance told me liability may not be declared in the matter. Whats the point of insurance then? Why should i suffer because of that?

My insurance told me in all likelihood his insurance would realise that liability falls on them as they would have to cover the individual getting numerous tests etc etc....which may happen anyway!

I still 'think' he was in all probability on his mobile when he swerved into my car and the other next to me. I should have mentioned it to the copper. He could have searched his car. He just seemed to side with what the guy told him. He even gave him a lift home! Lol

koolpc · 27 Sep 2021 at 22:09

dLockers said:
The fact that whichever way this goes you won't be paying a cent more than your excess.

Until it comes to renewing....

Also, the representative said on the phone today that they waived my excess thank goodness..

koolpc · 27 Sep 2021 at 22:20

dLockers said:
Right, but the alternative is you pay to fix your own car. How much have you paid on insurance to-date and how much does this single repair cost? Do the maths and see if you still think it is poor value...

I dont disagree with you at all. I just believe my insurance will go up yet again even though this accident was no fault of my own.

koolpc · 27 Sep 2021 at 23:33

amigafan2003 said:
Even if they admit liability, your insurance will still go up.

Thats what i said

koolpc · 28 Sep 2021 at 09:35

hurfdurf said:
Searched him for what? The Police act on evidence, unless you’ve got evidence that proves your thoughts?. Poor bloke just had a nasty crash, I’m glad the police were supporting him.

Poor bloke? Lol...do you know him?

koolpc · 28 Sep 2021 at 12:51

hurfdurf said:
I don’t need to know someone to feel sorry for them.

So, how do you know he wasnt on his phone etc?

I saw the guy. I spoke with him. Did you?

koolpc · 28 Sep 2021 at 16:10

Rids said:
Lolwut

They're liable, they're just being awkward.

I agree. Anyway, my car going in on thursday to be assessed and hopefully repaired. Having a courtesy car. All through my insurance of which, they will get back from his.

koolpc · 28 Sep 2021 at 16:31

hurfdurf said:
how do you know he was?

You weren’t even on scene when the crash happened, you came out after he crashed. The dudes claiming he had a blackout, do you think he lied? Why?

If someone genuinely had a blackout and crashes into several cars dont you think they would be taken to hospital for check up etc? Wouldnt you be concerned if you had a blackout of which you never had before?

I saw and spoke to the guy. He didnt look like he had just blacked out! He seemed very coy too.

koolpc · 28 Sep 2021 at 23:59

hurfdurf said:
I’d be very concerned, how do you know he wasn’t taken home to be given a lift by someone to a hospital?

What were you expecting, a guy walking, conscious and breathing to be air lifted on a cat 1 ambulance to the nearest ER? Have you seen ambulance response times these days?

Coy? He’s just had a car accident. Pray tell, how was he supposed to be ‘acting?’ How does someone who has just blacked out act?

I just hope that if you ever have something unfortunate happen to you, your dealt with respect and kindness by officers.

Or at the very least, who ever does deal with you, doesn’t have the stones to actually start throwing around accusations and instead just sits back and let’s what ever happened happen instead of kicking up a fuss despite them thinking some foul play had occurred despite no evidence of it.

Sorry, i didnt realise you were related to him... :rolleyes:

koolpc · 29 Sep 2021 at 23:57

hurfdurf said:
The idea that someone can only care about someone they are related to speaks volumes about you.

Lol, you are so funny!!

I will tell the guy you were asking about him!

koolpc · 30 Sep 2021 at 16:37

Update:

His insurance rang me earlier to say they have done some investigating and they are accepting liability.

My car is in the repair place now and i have a courtesy car. Got to see what they decide regarding repairs to mine...

koolpc · 30 Sep 2021 at 22:42

Vanquish-Storm said:
Have they just told you that or your insurance company?

I would just point them to your insurance.

His insurance rang me this morning. They said they will now wait for communication from my insurance company.

koolpc · 2 Oct 2021 at 06:29

Semple said:
Parking on the road will always have an increased risk element. The fact that someone has now crashed into your car parked on the road could be argued that there's an increased risk of it happening again - road may be poorly lit, or be more challenging to navigate, or a myriad of other reasons.

Or, he was on his phone...