Sisters car written off - other driver taking legal action.

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Sorry for long post any advice appreciated

Sisters car was written off recently (£4.5k received from her insurance)

she was T boned at a crossroads, but junction can be tricky as both sides have the dotted give way lines. From looking at junction sister would have travelled a lot further distance and almost completed the turn right when hit passenger side (about half way along car) with other car having front bumper impact (probably turning left, may haven been going straight on)

The other car had minor damage, minor scratches on front bumper which was a golf 17 plate with 18k miles (checked MOT history)

My sister has a 2 minute video just after accident where the other driver (women in her 70s) first says it might not need to go through insurance, then says not her fault, then says will go through insurance admitting 50/50.

The annoying thing is council CCTV is right on that junction and sister asked insurance multiple times to try get recordings (only kept for 28 days) but they didn’t get them.

Fine sister thought end of it, not ideal but would accept 50/50 and move on. Received £4.5k for her car.

Now sister is being taken to court to recover other drivers costs. £3700 for a scratched front bumper!

Below is other drivers claim, who is also asking for 8% on the balance too! 83p per day cheeky cow! Has she got any chance?

Sister a bit worried but told her even if it did go against, it would just increase her insurance claim from £4.5k to around 9k? Sister has video evidence of other driver clearly stating go through insurance 50/50 should be enough to “win”

This women was also in her 70s, barely drives 1000 miles per year (MOT history) and was also very rude. I wouldn’t normally attack via that route but if sister has to defend herself in court, if pushed I would play the “is she still safe to drive” card.


The Defendant was negligent in that they:-

(a)Drove too fast in the circumstances

(b)Failed to keep any or any proper lookout.

(c)Failed to proceed with care.

(d)Failed to have any or any proper consideration for other road users.

(e)Failed to give any or sufficient warning of his intentions.

(f)Failed to stop, brake, steer, swerve or otherwise to manoeuvre the Defendant’s vehicle so as to avoid the collision.

(g) Drove into collision with the Claimant’s vehicle.

(h)Failed to give way to the Claimant's vehicle.

(i)Drove onto the wrong part of the road and into the path of the Claimant's vehicle.


4.As a result of the accident, the Claimant has suffered loss and damage.



PARTICULARS OF SPECIAL DAMAGE


Repairs£3772.63

Hire (Bilate)£35.88



TOTAL £3808.51


5.Further, the Claimant claims interest pursuant to the provisions of the County Courts Act 1984 at the rate of 8.00% on the sum of £3808.51 from 26 May 2023 to 22 August 2023 in the sum of £73.04 and continuing thereafter at the rate of £0.83 per day.

AND the Claimant claims:

a)Damages in the sum of £3808.51 plus interest to 22 August 2023 of £73.04, making a total of £3881.55with interest continuing thereafter at the rate of £0.83per day.



Sisters response
The Claimant was negligent in that She:

a) Failed to keep any or any proper lookout;
b) Failed to brake in time or at all;
c) Failed to heed the presence of the Defendant’s vehicle which was correctly established on correct side of the road;
d) Failed to accord due precedence to the Defendant’s vehicle which was correctly established on his side of the road;
e) Failed to proceed with care;
f) Drove into collision with the Defendant’s correctly proceeding vehicle when by the exercise of a reasonable degree of driving skill and care this could have been avoided; and
g) Failed to give way to the Defendant’s vehicle.
 
Point them in the direction of your insurer.

Also get a decent cheap dashcam, it doesn’t need to be a 4K expensive thing that needs to read number plates. Just to determine fault in these exact situations. I have one that simply plugs into the 12v or USB outlet as I don’t care about parking mode etc.
 
Yes dash cam would have been massive help, I’ll treat her at Christmas.

Is already in insurance lawyers hands will probably just end up at civil court.

The 8% interest and £3700 for VW golf bumper honestly though is beyond cheeky
 
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What I learnt when someone sued me for an accident, was that a law firm will throw xxxx at the wall and see what sticks. Most of the accusations where out right lies/fabrications. (This is 'discovery' phase). Your lawyer/representation will strike off most of it.

I would first go with punting it to the insurance legal team who should be able to represent your sister.

Who is the representative for the plaintiff?

(In other news, my wife's 2022 car got sideswiped by an unlisted (so ininsured ) un-licensed kid of someone, so we had to end up paying our deductible on our insurance. Insurance world is a messed up place.
 
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Has the letter come from a solicitors / legal firm or directly from the woman?
Precisely, what is this letter? who is it from, and in which 'court' does the woman suppose she is taking the client, if they 50/50 and the insurances have sorted matters, thn it makes no sense at all for any further action.
Has the insurance company signed off on your sisters side of things, and agreed with the opposing insurer?
Do NOT reply, direct all to your insurer.
 
It will just end up at civil court
Has the letter come from a solicitors / legal firm or directly from the woman?
from solicitors,

Sister’s insurance solicitor dealing with it (response bottom of original post , just the negligence points)

My sister has received her payment from her insurer of 4.5k. Other driver trying to recoup her costs (see above 3.8k and rising 8% interest) saying 100% my sister fault and sister’s insurance should cover whole bill.

My sister was just going to accept 50/50 knock on knock and pay the excess and increased payment on future insurance premiums. Didn’t seem fair but that’s life.

Then the letter came from other drivers solicitors (presumably through other drivers insurers legal, possibly private?)

Would be interesting if any mechanics could chime in with cost to replace front bumper on golf 17 plate. There is no way in hell that bumper even needed replacing, literally few scratches bumper by front plate. No damage to lights/indicators or anything. £3700 no way.
 
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It will just end up at civil court
I can’t see how. Unless I’m mistaken, if the other woman has already accepted the insurance pay off she can’t then also raise a civil case against your sister. If she rejected the payout from the insurance it’s them she has to take action against.
 
It will just end up at civil court

from solicitors,

Sister’s insurance solicitor dealing with it (response bottom of original post , just the negligence points)

My sister has received her payment from her insurer of 4.5k. Other driver trying to recoup her costs (see above 3.8k and rising 8% interest) saying 100% my sister fault and sister’s insurance should cover whole bill.

My sister was just going to accept 50/50 knock on knock and pay the excess and increased payment on future insurance premiums. Didn’t seem fair but that’s life.

Then the letter came from other drivers solicitors (presumably through other drivers insurers legal, possibly private?)
Please say you just forwarded the letter on to your sisters insurer. It’s nothing to do with your sister now, her insurance company must deal with it.
 
I can’t see how. Unless I’m mistaken, if the other woman has already accepted the insurance pay off she can’t then also raise a civil case against your sister. If she rejected the payout from the insurance it’s them she has to take action against.
If it ends up anywhere near civil court it will be the insurance company that deals with it.
 
If it ends up anywhere near civil court it will be the insurance company that deals with it.
It is being dealt with by my sister’s insurance legal team.

However it asks will my sister be willing to attend court to defend, which she obviously will if needed.

I don’t know if other driver refused her insurers offer and taking private legal action or if it is via her insurers legal team.



Don’t want to put too much detail but seems below court?

IN THE NORTHAMPTON CCMCCClaim no:
District Judge

The Defendant



IN THE NORTHAMPTON CCMCC

Claim no:


Carpenters Limited
Leonard House, Scotts Quays, Birkenhead, Merseyside, CH41 1FB
 
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I can't see them getting much from this other than legal costs and a judge ruling it was still 50/50 at best. They can't prove what they are claiming.

But it should all be handled by the insurer. They tell people to forward this legal crap to them. Send them the camera footage if it's favourable.
 
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I don’t know if other driver refused her insurers offer and taking private legal action
What I’m saying though is that if she refuses the insurers offer it’s them she has to take private legal action against, not your sister. And if she has accepted, she equally can’t come after your sister in a private action afterwards.

Either way, as the others have said, let your sisters insurers deal with them. It’s what insurance is for. And tell her not to be stressing.
 
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She actually first said she didn’t hit her at all! (Massive dent annd written off!) Unfortunately sister wasn’t recording then.

already sent 2 minute video across to sister’s solicitor.

She goes from saying “we might not need to get insurers involved”

Sister then says she was clearly to blame then she says “it wasn’t my fault”

Then says “sister should contact her insurance and she will do same and thinks was 50/50”

Then the solicitor letter dropped.

Would love it to blow up in her face and sister maybe able to get excess back at least. Could she push for the increase in her premiums over the 5 years they will increase? Would be a nice bit of revenge, will charge 8% interest too!

Like I say sister was literally going to take the hit, wasn’t her fault but she couldn’t really prove it. Even though she had repeatedly tried to get insurer to get council CCTV which is right on crossroads.
 
What I’m saying though is that if she refuses the insurers offer it’s them she has to take private legal action against, not your sister. And if she has accepted, she equally can’t come after your sister in a private action afterwards.

Either way, as the others have said, let your sisters insurers deal with them. It’s what insurance is for. And tell her not to be stressing.
Sorry was probably my wording.

It is being fully handled by sister insurance solicitors. The only thing it will increase is my sister’s premiums for 5 years at least and cost her excess of £450.

I don’t know if the other party has rejected her insurance claim and using private solicitors to make a claim against my sister insurance.

Or

If it is other party’s insurance legal team trying to recoup their costs (ie other party accepted her offer but said it wasn’t her fault at all)
 
Similar thing happened with my wife. Was involved in a roundabout collision and the other driver (old guy) was a complete arse. Insurance wanted to go 50/50 but he was having none of it so we got similar legal type letters which we forwarded onto the insurance company, this dragged on for ages and was all set to go to court but got sorted at the last minute, not sure how it went in all honesty just that we got a letter from our insurance company saying it was now closed.
 
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