non-fault accident... helphire involved by my insurance co..

Man of Honour
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18 Oct 2002
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Northallerton/Harrogate
On saturday some woman drove into the rear/side of my car (hit the nearside rear wheel) on a roundabout. Result = dented wheel arch, smashed in bumper and the wheel itself has been pushed in at the top (got camber, yo!)

Anyway, didn't seem quite safe to drive, due to the angle of the rear wheel, was definitely rubbing on either the suspension thing or something and don't know what damage was caused behind it. I drove it around the corner from
where the accident happened and parked it up. Damage to her car was smashed in front bumper and grille. Her car seemed to drive fine.

Totally her fault, although she claimed to not see me. Quite how I was invisible when I was right in front of her... anyway got her details and everything.

Then called my parents to come pick me up and went home. Called my insurance company (not quite sure if that was the right thing to do now, but...)
Anyway, they put me through to Helphire who seem to be processing some kind of claim for me.
My car has been taken away on the back of a lorry to a bodyshop, and I'm supposed to be getting a replacement car provided via helphire delivered to work at lunchtime.

I've read a couple of threads mentioning helphire and kinda getting a bit worried now, but should I be?
They (helphire) said all costs should be recovered from 3rd party's insurance and all I had to worry about was not damaging the hire car or getting speeding tickets in it.

I doubt the car would be a write off, if it wasn't for the back wheel being at a funny angle it would probably be just cosmetic damage, but since it's undrivable and I need to do a 70 mile round trip to work I thought getting helphire involved wouldn't be so bad.

I've also just sort of let my insurance co. and helphire get the ball rolling as it were... but now I don't want to be left with any problems, or costs.

I'm trying not to stress out about this, but it doesn't seem to be working. Anyone had a GOOD experience with helphire recently in a non-fault accident?
 
Cant help with helphire stuff...

However, if she drove into your right rear on a roundabout, it sounds like you failed to give way to someone already on the round-about, and caused the accident! This might make it costly if they go against you....

No she drove into the passenger side rear wheel.
I was coming from the opposite direction she was, turning right, so I had right of way. She just didn't stop or something and crashed into me as I was coming off said roundabout.

roundabout.jpg


Like so, Me blue.??
 
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trouble is we all pay for it in the end with higher insurance premiums.

They're only ever going to go up, anyway. But I appreciate the sentiment.
I don't know if I'd have chosen to get HH involved; it didn't even cross my mind until they said "we're going to refer your case to..."

Mind you, if people didn't crash into each other and as has been said (osc89er) if no one dragged their feet then this sort of service/industry probably wouldn't exist.
 
The plot thickens?

Received a letter from the 3rd party's insurance co today. Had a phone call from them on monday pm too, but when I spoke to them then I informed them that HH were involved.

Anyway, letter's basically offering me a replacement car etc, listing charges etc for hire (payable by them, not me) - but at the end it says something like:
If you refuse this offer, we reserve the right to refuse to pay for any charges for hire cars incurred by you or on your behalf.

HH is closed, 3rd party insurance is closed. I'm royally ****ed off.

I guess i just have to wait until the morning to call HH? Sooooo stressed.
 
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