Just been in a minor RTA. Who's fault is it?

MooMoo444 · 2 Dec 2016 at 11:48

lol @ the H imprint

Yes, the blue merc was a div for almost stopping but perhaps the car at the sides intentions were not clear. You did nothing wrong here.

robj20 · 2 Dec 2016 at 11:54

Dav4 said:
How's your neck OP?

Stupid thing to encourage. OP only claim for injuries if you have to not because its an easy money making scam.

Housey · 2 Dec 2016 at 11:56

Simple, as has been stated. If the car behind had allowed enough space and braking distance, he/she would not have hit you. They didn't so it's their fault. What the car in front of you did is irrelevant in this situation. You stopped fine, the car behind didn't as it was too close or not observant enough to see you braking.

MooMoo444 · 2 Dec 2016 at 11:58

Is the other driver trying to pass blame? Just wondering why you needed the second opinion

james_2k · 2 Dec 2016 at 12:08

know that road well. and yeah their fault (car behind)

Howard · 2 Dec 2016 at 12:14

You could have easily avoided that accident by not leaving your house :rolleyes:

It makes a change for the 'dashcam car' to be completely not at fault! You followed a good distance from the car in front, and slowed down in a sensible fashion when required to do so and yet the berk behind you wasn't looking at where they were going, so yeah, you're in the clear

.

Dav4 · 2 Dec 2016 at 12:15

robj20 said:
Stupid thing to encourage. OP only claim for injuries if you have to not because its an easy money making scam.

I was joking hence the smiley face next to the question :rolleyes:

Although you never can tell. I got rear ended at about 30mph a few years ago and what seems like just a minor sore neck for a few weeks still affects me now years later when weight training or working long hours etc all because some idiot woman was on her phone paying no attention to what's in front of her :mad:

manjuice · 2 Dec 2016 at 13:18

Hi all. I've notified my car insurance company regarding the accident.
I don't want to claim on my own policy so do I contact the third party's insurance company? I've called the third party's insurance and they say I have to make a non fault claim with my own insurance. Is that correct?

Nasher · 2 Dec 2016 at 13:24

You claim off theirs afaik. But you will have to tell your own insurer whats going on.

wedrum · 2 Dec 2016 at 13:33

and watch you premium go up.

robj20 · 2 Dec 2016 at 14:03

wedrum said:
and watch you premium go up.

And rightly so.

Maccy · 2 Dec 2016 at 14:06

robj20 said:
And rightly so.

Why? Yes it's all to do with "statistics" but I think this is massively unfair.

shifty_uk · 2 Dec 2016 at 14:13

I don't understand what the hell the Merc was doing? :confused:

That road doesn't merge, nor did they indicate to go into the left lane?

Edit: just watched the clip again. Seems they were too cautious about going through the gap.

Uther · 2 Dec 2016 at 15:41

wedrum said:
and watch you premium go up.

robj20 said:
And rightly so.

Wut? None fault claims that put your premium up are a complete scam by insurance companies.

wedrum · 2 Dec 2016 at 15:43

unfortunately it still goes against you.
not rightly so its just the way insurance companies work.

my wife had the same, collision to her car at the rear, used their insurance company for all repairs, notified hers and still had a none fault claim against her.

load of ********.

i guess that's where all the whiplash claims come from.

robj20 · 2 Dec 2016 at 15:47

Uther said:
Wut? None fault claims that put your premium up are a complete scam by insurance companies.

How so? You are statistically more likely to have more accidents, there for a higher risk. It really is very simple.

Don't get me wrong i would be all for a full overhaul of the system but it requires people to stop taking the mickey which includes garages overcharging for work, people claiming injuries they dont have, and a clamp down on intentional crashes.
All cars should come with cctv you cant turn off would stop people pulling in front and slamming on in one go i'm sure iv been party to this but i drive like a granny so it didnt work, but i can see how it does work.

Pants · 2 Dec 2016 at 16:04

robj20 said:
How so? You are statistically more likely to have more accidents, there for a higher risk. It really is very simple.

Don't get me wrong i would be all for a full overhaul of the system but it requires people to stop taking the mickey which includes garages overcharging for work, people claiming injuries they dont have, and a clamp down on intentional crashes.
All cars should come with cctv you cant turn off would stop people pulling in front and slamming on in one go i'm sure iv been party to this but i drive like a granny so it didnt work, but i can see how it does work.

BS. You can bake statistics to suit your agenda.

If you have a non-fault accident, that wasn't avoidable or provoked by your driving style, then no you are not a higher risk and no in a fair world your insurance wouldn't go up.

So it's not "rightly so" is it?

It does make business sense for insurance companies obviously, but that doesn't make it right unless you're a shareholder.

tom_e · 2 Dec 2016 at 16:24

Pants said:
BS. You can bake statistics to suit your agenda.

If you have a non-fault accident, that wasn't avoidable or provoked by your driving style, then no you are not a higher risk and no in a fair world your insurance wouldn't go up.

So it's not "rightly so" is it?

It does make business sense for insurance companies obviously, but that doesn't make it right unless you're a shareholder.

Of course you're statistically more likely to have another non fault accident as you've already had one when millions of others haven't by that very fact alone you're more of a risk rightly or wrongly.

robj20 · 2 Dec 2016 at 18:20

tom_e said:
Of course you're statistically more likely to have another non fault accident as you've already had one when millions of others haven't by that very fact alone you're more of a risk rightly or wrongly.

Don't even try. Some people just can't grasp statistics.

Slam62 · 2 Dec 2016 at 18:23

tom_e said:
Of course you're statistically more likely to have another non fault accident as you've already had one when millions of others haven't by that very fact alone you're more of a risk rightly or wrongly.

Is that actually true though.

I mean is there a data sample somewhere showing this or is it just a nice little scam by the insurance companies?