Crash/Claim advice needed

[Hooded_Eskimo]

Hi

Just had a crash last monday about 10 at night, what happend was i pulled out left out of a junction in first gear changed second at 10mph was going 10 mph down this road towards a mini round which was about 20 metres away at this time a car opposite turning left stopped at the junction i sped up to 15 and ask my gf for directions (because we where going to tescos to get ice cream) at this point the car was still stationary nothing was coming from her right, because road was dead i thought she was letting me though so i sped up to 18 she still didnt go i went over the round about and she decided to pull out on me when i was already over 3/4 the way over and i went into her left head light and left corner bumper, we pulled up in a convience spot, and the old ladies son( she was about 70 who was driving) got out and demanded an apoligy, when the reason for the colision was because she came out when i was already on the round about. We exchanged details but not insurance information i havnt got picks at the moment but i know where she lives so will get some.

what do u people think my mates reckon i should claim but ive read some of the other threads where they have lost when it wasnt their fault but then some poeple say that if you go into them then its your fault but it was her recklass driving and her not so ability to judge distance and speed. She or her son have not contacted me yet and having an engerneer coming round tonight to see the damage.

help greatly apprieciated.

[Pat_Vts]

i thought you had to inform the insurance within 24 hours if you want a claim to go through?

[laura_g]

no it can be up to 6 months to report a an accident, id put the claim in as it looks like its goin to be disputed

[Paul]

Sounds knock for knock tbh

But if you was already on the round about, it should be her fault. But you have no independant witnesses.

Knock for knock if you ask me

[Hooded_Eskimo]

but should i claim, and also the insurance is in my dads name and is third party which might not do me good

[vidal]

Hi

Just had a crash last monday about 10 at night, what happend was i pulled out left out of a junction in first gear changed second at 10mph was going 10 mph down this road towards a mini round which was about 20 metres away at this time a car opposite turning left stopped at the junction i sped up to 15 and ask my gf for directions (because we where going to tescos to get ice cream) at this point the car was still stationary nothing was coming from her right, because road was dead i thought she was letting me though so i sped up to 18 she still didnt go i went over the round about and she decided to pull out on me when i was already over 3/4 the way over and i went into her left head light and left corner bumper, we pulled up in a convience spot, and the old ladies son( she was about 70 who was driving) got out and demanded an apoligy, when the reason for the colision was because she came out when i was already on the round about. We exchanged details but not insurance information i havnt got picks at the moment but i know where she lives so will get some.

what do u people think my mates reckon i should claim but ive read some of the other threads where they have lost when it wasnt their fault but then some poeple say that if you go into them then its your fault but it was her recklass driving and her not so ability to judge distance and speed. She or her son have not contacted me yet and having an engerneer coming round tonight to see the damage.

help greatly apprieciated.

Firstly, welcome to Sax-P.

Now, Vidal's legendary caustic comments.

Please use punctuation and proper sentence construction, trying to make sense of the accident is rather difficult.

Can you draw a picture of the road layout and the position and relative directions of the vehicles? Link to it via photobucket or some such hosting outfit.

I note you said


i thought she was letting me though so i sped up It's your responsibility to ensure the road is clear, it may be that a 50/50 is going to come into play here. Unlucky.

V.

[Hooded_Eskimo]

Thanks for the welcome and sorry for my bad punctuation, i will try to get pictures and road layouts but at the moment im at school, but the old women could have turned right well before she did because there was alot of distance between me and the round about.

[baker556]

unlucky dan get some pics up but on the first commnet you said you drove into her? so was it your fault? but as i said earlier claim !!! what insurance company are you with?

[xxxvickxxx]

but should i claim, and also the insurance is in my dads name and is third party which might not do me good

should think it be cheaper not to go through insurance wouldnt it

[Hooded_Eskimo]

Im with direct line at the moment chris, but if i claim she will find out then she will claim, and then who are they going to belive an 18 year old boy in a saxo, or an old women in a 07 ford focus, but it was her fault i crashed into the side of her, and my car is only worth 450 they might write it off and ive just registed to photo bucket so pics will be up soon.

[Marcos]

it depends on damage really and it sounds like it would come out knock for knock

[rey]

just out of curiosity, what mini roundabout was this on?

[Hooded_Eskimo]

At the bottom of barton hill near dreadnaught avenue, the next morning after the acident my girlfreind said the glass from my front lights was no where to be seen, lol thinking the old women went back there and clear'd it up.

[rey]

was there tonight lol

how bads the damage on yours?

[Pat_Vts]

dont claim if its only worth 450 unless she claims then put in a claim and dispute it.

[Pat_Vts]

sounds 50/50 to me really...

[baker556]

matt have you passed now?? but dan coming back from Lauras house tonight went over the roundabout and if you say what happend is true it would be her fault its actually quite a big roundabout how much is your car insured for 450? or more? as if you were wanting to sell it any way why dont you just go through the insurance and say it was a rite off your sorted then....your neck hurts....etc also claire was in your car so at the end of the day shes a witness just get alot of pictures of the damage to your car and the drive over roundabout send them an e-mail fully explaining whats happend and then i think the balls in your corner dont you think direct line will be a bit suppicous that she hasnt claimed saying it was you? (if it was in her eyes) they will then say well if it was dans fault why didnt you claim? and then again you have full advantage....in other words i think you should claim in conclusion your in the rite as you say it was her fault you have a witness she hasnt claimed you want a new car.......

[Quick]

Witness involved in accidents rarely count in the eyes of insurance companies!

[Hooded_Eskimo]

But she has her son to give a witness account, and also if i claim its a write off the insurance company will inspect the car rite.

[Paul]

When i asked if there was any witnesses, i meant 'independant' witnesses.

[Paul]

Im with direct line at the moment chris, but if i claim she will find out then she will claim, and then who are they going to belive an 18 year old boy in a saxo, or an old women in a 07 ford focus, but it was her fault i crashed into the side of her, and my car is only worth 450 they might write it off and ive just registed to photo bucket so pics will be up soon.

Do you realise what you just said?

Lol.

[Hooded_Eskimo]

thats what im thinking tprice, their were no independent witnesses, and yea i drove into her passenger front light and side bumper, because she just pulled out on me so sudden. I was over 3/4 over the round about, and she was in the corner of my eye when she pulled out, and must of cut the corner to get infront of me.

[shooorn94]

How the insurance company shall see this:
You were approaching the junction not looking to slow down, you saw the car approaching/at the roundabout yet still travelled across. Experience has taught me that you should wait for the car to move. The elderly take their time at junctions, they like to stop at every junction...

However you have stated you were on the roundabout and she then pulled out? if it is a mini roundabout this is bound to swing in the ladies favour. However if it is a little larger it could swing in your favour as she should of noticed you.

Personally I say Claim. And why is your saxo only worth 450? 1.1 N reg? I bought my old N reg for 1700 (from a garage, was perfect and alot replaced though)

It may not swing your way but claim anyway, how do you know the son hasnt made a claim for her yet? Go for the claim, and good luck if you win.

[Hooded_Eskimo]

i bought my saxo for £450. The engine had done 60k when bought, now done 70k, but the thing is, there was soo much distance between me and the roundabout that about 3 cars could have turned right, so her ability to judge distance was poor. Also the ability to judge speed, as she knew i sped up to go over the roundabout, as she said "you sped up" after the crash, so why did she pull out if she noticed?

[snowley]

its jst typical old people rele isnt it. wen are they meant to have a retest or do they not have to

[Hooded_Eskimo]

Dont know mate, but im rally p**sed off

[kcsaxo]

claim mate, judging from the damage on her vehicle the engineer or inspector can confirm that you were already on the roundabout when the accident took place.

[kcsaxo]

how did you manage to hit her left hand side when you always approach people from their right? sort some pics out and will discuss.

[Hooded_Eskimo]

Cheers mate, there is a little dent in her bumper and some scratches underneath her drivers front light, uplaoding my pics now

[Hooded_Eskimo]

Here is the main damage.

http://i255.photobucket.com/albums/hh124/Hooded_eskimo/car3.jpg

And here is the whole bumper.

http://i255.photobucket.com/albums/hh124/Hooded_eskimo/car4.jpg

there is a samll bit of damage on the passenger side but hard to see.

[Hooded_Eskimo]

how did you manage to hit her left hand side when you always approach people from their right? sort some pics out and will discuss.

yea, i messed up i typed left instead of right, sorry, she was on my right, i went over the roundabout then she cut the round about, thats how i went into her drivers front light.

[MrBirdPoo]

You have to check beneath the panels but new bumper, grill and headlight from scrappy could save you alot rather than goin through insurance.

[rey]

matt have you passed now??

not yet mate, test is next week though :panic:

[Hooded_Eskimo]

heres the route, and sketchy drawings, im red, shes blue, ive put where i was when she stopped, and the roundabout but had to draw it as the map is old.

http://i255.photobucket.com/albums/hh124/Hooded_eskimo/map.jpg

[xxxvickxxx]

well the way youve drawn that she was goin round the roudabout the wrong way or am i looking at it wrong

[rey]

she went round/over it, its a mini roundabout, just painted on!

[kcsaxo]

sounds like a decent case:

positive side - she drove OVER the roundabout therefore didnt follow the rules of the road which would give you a good chance of winning, plus you were already on the round about when she decided to maneouvre.

negative side - her son decides to play funny and say that she was on the roundabout first and you went out afterwards. this can be argued since it is your offside that has been damaged and not hers indicating that it could have been you who pulled out and she collided into you if you get what i mean.

[baker556]

well the way youve drawn that she was goin round the roudabout the wrong way or am i looking at it wrong

your looking at it wrong.....

[xxxvickxxx]

your looking at it wrong.....

the way he has drawn it, he saying the lady went the wrong way :P you go left round roundabouts drawing says right

[baker556]

Basically what Dan has told me a million times at school i will sum it up as he gets confused easily lol..

anyway...

Driving toward a mini drive over roundabout slowed down the car oppisite didnt go across so he decided to go across as he was 3/4 over the mini roundabout as he was going straight ahead the women who was older decided to pull out but did not judge the speed/distance between them therefore the women pulled out cutting the roundabout big time which made her car swerve in front of Dans so therefore Dan could not stop in time in which he then hit the car, as he stated 'i hit the car' this is what he means here as he could not stop his car as it was so unexpected and she was in front of him

Basically he is with Direct Line on his dads name which means he is entitled to a no claims bonus

i think this wraps the whole story up so any suggestions on what he should do

i.e claim to win or leave it buy the parts back.

[baker556]

Dan correct me on any of the above that maybe wrong...and google maps does show it clearly i will do a diagram bare with me....

[baker556]

This shows where Dan was intending to go he was driving from the left of that map towards the right so Dan is the red line

http://http://img230.imageshack.us/img230/6594/82080914xl4.th.jpg (http://img230.imageshack.us/my.php?image=82080914xl4.jpg)

Again this photo shows Dan as the red line and the focus as the blue line and the focus taking the wrong route cutting the roundabout not seeing Dan maybe their view was blocked by the pillar?

http://http://img518.imageshack.us/img518/7602/26376428xy2.th.jpg (http://img518.imageshack.us/my.php?image=26376428xy2.jpg)

and basically the crash

http://http://img139.imageshack.us/img139/7029/71763442nz0.th.jpg (http://img139.imageshack.us/my.php?image=71763442nz0.jpg)

hope this gives a better idea to everyone i edited quite a few times as spun out why pictures wouldnt show but got it sorted now ...again Dan correct me if im wrong i wasnt there......

[phudson]

hi
im new to this but thought i would comment on the experience i had about 5 year ago.
I was driving up towards a set of traffic lights at 20mph cos one you cant go any faster on that road cos of parked cars and 2 the lights were still on red i was in the first lane of two lanes and before the lights there is a keep clear marking on the road (which is entry to a car park) the outer lane was full of stationary cars and my lane was clear, on the other side of the road was a woman wanting to pull into the car park ie crossing two lanes of traffic blind, and guess what she didnt see me and writ of my car and hers. Everyone we talked to said it werent my fault includin the insurance (direct line) and she was with direct line to, the only difference she was fully comp and i was named third party. She said it was not her fault, so it went to court a year later and guess what she won cos she had an independant witness that lied through her teeth (and worked in the same building as her) that apparently saw everything from a third floor window half way down the road. I was classed as boy racer and she was not faulted at all, in the end it ended up 75% my fault and 25% her fault and she got money for saying she had whiplash and even got paid for having the day of work i also had to pay the independant witness for having the day of as well.
In my opinion you will lose either way. also forgot to say i was 18 at the time as well.

[Hooded_Eskimo]

Yep thats totally right baker, cheers for summing it up better then i can, i have not got a way with words as people know at school lol. so any advice will be much appreciated!

[Hooded_Eskimo]

wow thats bad phudson, thats why i dont want to claim because of somthing like that.