accident

[furioboi]

even tho though the accident wasnt my fault (he went into the back of me) will their insurance check with my insurance them ods etc..? we rang my insurance and they didnt want to knwo anything seen as it wasnt my fault.

[Clouds_mate]

are you the guy that crashed at the roundabout?

[furioboi]

so im woundering if they will void my insurance becuase i didnt declare it was lowerd 40mm and got some 15" alloys. i cud act dumb saying it was like it when i bought it (which it was) but ive been told because it wasnt my fault my insirance wont want to no about my mods. but what you think?

[scook]

my mate had an accident when the cars was lowered and he didnt declare it (it was his fault) , made hime pay an extra 500 excess on top of his 400 , if the guy that you crahsed into contests it you may have to pay something out (could be the fact that your insurance is invallid, depends what company you are with), you should always declare your mods

[Chris]

The garage will fix your car but will probably only replace the parts with standard parts as the aftermarket parts weren't declared!

If they do void it then that's a bit harsh........ but as already said YOU SHOULD ALWAYS DECLARE YOUR MODS regardless of if they were already on the car when you bought it.

My car already had a HKS front bumper, HKS Induction kit, Scorpion exhaust and Core Sport rear spoiler, but I made sure the insurance company knew everything!

Chris smileys/happy.gif

[furioboi]

the thing is its at my dads best mates garage who will repair it. but we think its a rite off.
well i bought the car im 17 and to be honest i didnt no to declare that or anything as it was liek it when i bought. ive only realised now. thanks mate

[furioboi]

but will my insurance even want to see my car? becuase it wasnt my fault? like i said my mum rang our insurance and they didint wanna no what hapend because it wasnt my fault. so why would my insurance void it or wateva if they dont find out

[evisu]

If the crash wasnt your fault then they wont check as its not your insurance paying out

[furioboi]

thoguht that too mate.

[Clouds_mate]

but wont the over company want to see the car if they are paying out?

Sounds to me like, 17 year old, driving like a dick on mums insurance to cut cost and didnt declare mods to save more money

[furioboi]

no its not liek that at all. im only on here asking for advice ffs.. yes and their insurance assessor are coming out to check the damage, but the guy whos garage its at who will be repairing says its a rite off.so..

but even if their assesor says its rote off or repairable or wot, why would my insurance get invold with checking mods on my car

[Chris]

Can't the garage quickly change your alloys for some steelies or are the wheels all mangled up in the wreckage?

Leckie - No need for that really mate, he was only asking for advice, not to be slated.

Chris smileys/happy.gif

[Reef]

BE ON THE SAFE SIDE.... DECLARE MODS.

[saxx]

no chris that mod list has shortened from the last post that got closed. there were tints and other bits too

sorry but the assesor is instructed by the insurance company. has nothing to do with your dads mate

the assesor will write down everythin and then this will be produced before a claim is sorted

as ive said before insurance companies play dirty askin alot of quesions to try and prove it was someone elses fault

if the other kid mentions your a modded car owner who over took dangerously causing him to slam his brakes on dont instantly belive its going to be his fault it could quite easily turn into a 50/50 claim if proven you driving like a TWAT!


also i believe the other company have the right to view your policy, therefore they could refuse to pay out as your policy doesnt cover you due to the mods the assesor will take note of!

[Clouds_mate]

Sorry Chris, but the guy started a thread the other day about it and that was locked for asking the same question,

If it was me i would of spent the last two days putting my car to standard instead of asking for advise on the net. Hes got the same answers as the other day.

Yeh i feel sorry for him because when i first passed i didnt no about telling the insurance. But i would put the car back to standard to cover my own ass.

[furioboi]

but i wasnt driving like a twat. he had plenty of room, hes even taken blame saying he was looknig in the back etc...and he didnt break until he hit me. so theres that. thats not what im bothered about, its the mods and if theyll void me

[saxx]

Sorry Chris, but the guy started a thread the other day about it and that was locked for asking the same question,

If it was me i would of spent the last two days putting my car to standard instead of asking for advise on the net. Hes got the same answers as the other day.

Yeh i feel sorry for him because when i first passed i didnt no about telling the insurance. But i would put the car back to standard to cover my own ass.



tbh the other kid could be doing the same thing. but he could also have come across the post by this guy sayin his mods arent declared and tellin the story.

email link to insurance company and theres ya details for reduced claim!

[saxx]

but i wasnt driving like a twat. he had plenty of room, hes even taken blame saying he was looknig in the back etc...and he didnt break until he hit me. so theres that. thats not what im bothered about, its the mods and if theyll void me

uh hello!! overtaking 300 yards from a roundabout = TWAT!

companies dont except 'its my fault' very easily. they keep going at u. i know, ive been there!

[Clouds_mate]

mate dont talk to me about people crashing into the back of people, count yourself lucky, when it happended to me the wanker drove off

[Clouds_mate]

http://www.teamwoah.co.uk/fileupload/uploads/image046.jpg
http://www.teamwoah.co.uk/fileupload/uploads/image048.jpg
http://www.teamwoah.co.uk/fileupload/uploads/image051.jpg

[furioboi]

wel i went ddown the road last nite, i no it was a easy 100 metre gap. and liek i said its not that which im bothered about. his insurace have gave me a hire car yesterday too.

its just the mods, but i take it ill just have to find out eh. thanks anyway.

[saxx]

no offence but do u think that makes it any betteR?

[furioboi]

and chris he wont b doing the same mate, hes got a 200quid knackerd seat. and hes sorted that out already.he just didnt give a fuk. plus he drove off after..but he did get out and say dnt worry il sort it, rign me when you get home. i was so shocked i jus flipped out

[furioboi]

yes i do because its his fault, anyone with that amount of room would not carry on speeding when he can see me stopped

[al_VTR]

its been said plenty of times that you should've declared your mods, and its pretty clear when you take out a policy. they specifically ask you questions about whether the car is standard or modded in any way.

i would be suprised if both insurance companies didn't try to get out of payment because of the invalid policy. saying that, you may have to pay extra excess to cover the undeclared mods

[Clouds_mate]

well if he was speeding? and you was over taking that makes you speeding? and in the police's eyes that would be racing. Just be careful what you say mate. Things have been aired on forums and they have later been fucked for it..

[al_VTR]

yes i do because its his fault, anyone with that amount of room would not carry on speeding when he can see me stopped

but you must have been speeding to overtake him, then have to brake pretty hard afterwards if it was only a 100m gap ?

[saxx]

and chris he wont b doing the same mate, hes got a 200quid knackerd seat. and hes sorted that out already.he just didnt give a fuk. plus he drove off after..but he did get out and say dnt worry il sort it, rign me when you get home. i was so shocked i jus flipped out

he drove off but he got out?

right!

and its his fault u sped past him with 100m to go?

right!

ever heard of a braking distance?

[Clouds_mate]

this topic is going same place as the other one,


Lets just leave. People learn from there mistakes


[/rant over]

[furioboi]

rite...we first turned a corner...he was pissing about slowing down etc...so i dropd to second overtook. when i overtook i carried on going (ok i was speeding 10mph or so) i made sure ther was a big gap. then at the round about i did have to slam on, as their was a car on the right, but no locking up. seconds afetr id come to a full stop, BANG.

But when i overtook and got a distance from him their was 100metres until the roudn about.

right iv said it all, thats it just leave it. if i get fukd for it its my fault for overtaking, but from me i personally think its because he hit me up the rear.

[al_VTR]

i agree Leckie, lets just leave it now. sure he won't make the same mistake again

[Barry123]

If you havent declared your mods then your insurance is INVALID which means you're breaking the law.

If you both have the same insurance company you might be screwed, but i doubt otherwise.

From your other post is does sound like you were driving like a nonce. tut tut

[Adam_K]

i'd just like to add that you sound like a prick.

that is all.

[Yates]

adam k that is totally out of order, did you see the other thread? he admitted his mistakes and accepted what was said.

if it was me i would be puttin the car back to standard mate, your fault or not.

well 100m isnt the best gap, and yes you shouldnt of over took him, but that is enough room to get infront and slowly break without slamming on, how fast were you going?

if hes admitted he wasnt looking when you started breaking and only breaked once he hit you then hopefully should all go through ok, but i would seriously consider putting steelies on and taking tints out the window

[Dan]

No need for that Adam! If you have nothing useful to contribute then dont at all.

So your mates with this other guy then if he has your number yes? Sounds to me like you were both driving stupidly, and I honestly think you deserve what you get as does the other guy.

Even if you act dumb and tell them you were not aware of the mods, thats not there problem and they will not see it the same way you do.

[saxx]

i think the comment is perfectly called for.

dan you were banned for doing a less idiotic thing than that!

[Jimbo]

sounds like you need to go and make your car look at standard as poss m8!

if i were you take all your ice out the back and maybe take the spare wheels out too jsut to make it look that little bit higher at the back... put steelies on too and rip out the tints

I'm never treating my beloved furio like a racing car lol

[furioboi]

wel all gone ok. thansk for help of the people that gave it me. assessor came to day and said has it been modded, i was liek its how a furio comes. he thoguht nothnig of it nd said yep its a rite off.. and ill get my money bak for it plus woteva iv spent onit with receipts. plus i get my car back to sel to scrap yard

[Yates]

an assessor didnt realise it was lowered and had different wheels??

mods have spoke and said it was out of order, and it was.

[jaybiss]

agree out of order comment

ur lucky mate but if i was you id pretend that you didnt know the other person just to cover your back about the racing issue (even though you wasnt)

[Barry123]

Not to sound like a parent or a teacher but...
After all thats happened, are you gonna drive like that again in the future???

[addictedtosax]

you are one lucky soanbitch smileys/smiley17.gif hope you've learned mate, im not giving you a lecture here, but just be more careful next time, and as kanye west says
"drive slow homey" smileys/smiley16.gif

[pug_boe]

When i first bought my saxo i didnt declare all the mods and at the time it had alloys and an induction kit and i was 21 when i bought it, i didnt declare them because it was how i bought it and i didnt actually like saxos at the time either ... just in future you know now to declare yout mods smileys/smiley14.gif

[boz]

i think some people on here should think about what they are saying and hold their tongues before they rant and slag people off! smileys/smiley4.gif

even if someone is in the wrong, so what. does it effect you??

they didnt post a thread and say 'opinions of weather im a twat or not please' he didnt deserve to have things said about him like that. as for declaring your mods, its up to you, if you do you pay the price, if not you pay the price when your caurght out!

as for speeding, everyone does it! you want to call me a twat for doing it??

if someone crashes into the back of your car, its their fault, regardless in 99% of accidents and its hard to prove otherwise, as the person should be alert and consentrating on driving and the road ahead and not driving like a twat, as some of you kindly said.

end of rant smileys/smiley17.gif

[saxx]

i think some people on here should think about what they are saying and hold their tongues before they rant and slag people off! smileys/smiley4.gif

even if someone is in the wrong, so what. does it effect you??

they didnt post a thread and say 'opinions of weather im a twat or not please' he didnt deserve to have things said about him like that. as for declaring your mods, its up to you, if you do you pay the price, if not you pay the price when your caurght out!

as for speeding, everyone does it! you want to call me a twat for doing it??

if someone crashes into the back of your car, its their fault, regardless in 99% of accidents and its hard to prove otherwise, as the person should be alert and consentrating on driving and the road ahead and not driving like a twat, as some of you kindly said.

end of rant smileys/smiley17.gif

if someone slams there car infront of u in this kind of weather, especially a new driver, everyone can see that it isnt the person going into the backs fault.

heard of a response time? braking distance?

if that kid had a witness he wouldnt be blamed for that accident.

if the kids insurance company had a clue they'd screw him over - i know mine did theyre best to find a clause to remove blame from me.

as for sayin no one has the right to call him a twat?

think of your insurance premium boz and how much they have/are. take a look at who posted the accident. theres ya reason as to why!

i think the more zero tolerance people take instead of tip toeing around the subject the better!!

that is how young drivers get bad names and i can safelt say new or old driver i never play games like that!!

[boz]

if someone goes into the back of you, no matter whos in front or what they were doing, 99% of the time its the person who has gone into the back of you who is to blame. fact smileys/smiley4.gif

[boz]

SAXX: i have herd of braking distance responce time!

20
MPH
6 metres6 metres = 12 metres
(40 feet)
or 3 car lengths

30
MPH
9 metres14 metres = 23 metres
(75 feet)
or 6 car lengths

40
MPH
12 metres24 metres = 36 metres
(120 feet)
or 9 car lengths

50
MPH
15 metres 38 metres = 53 metres
(175 feet)
or 13 car lengths

60
MPH
18 metres 55 metres = 73 metres
(240 feet)
or 18 car lengths

70
MPH
21 metres 75 metres = 96 metres
(315 feet)
or 24 car lengths

Thinking Distance
Braking Distance
average car length = 4 metres



if he had 100m left before a roundabout, plenty of space, even if you were doing 70mph 80mph smileys/smiley2.gif

[Yates]

boz your a twat for speeding

[saxx]

if someone goes into the back of you, no matter whos in front or what they were doing, 99% of the time its the person who has gone into the back of you who is to blame. fact smileys/smiley4.gif

proven wrong by my mate who had a witness to the person in front of her driving like a prick.

no claim for her the other persons insurance had to pay out!

if u have a witness that puts the person in front at fault that rule means nothing.

[saxx]

SAXX: i have herd of braking distance responce time!

20
MPH
6 metres6 metres = 12 metres
(40 feet)
or 3 car lengths

30
MPH
9 metres14 metres = 23 metres
(75 feet)
or 6 car lengths

40
MPH
12 metres24 metres = 36 metres
(120 feet)
or 9 car lengths

50
MPH
15 metres 38 metres = 53 metres
(175 feet)
or 13 car lengths

60
MPH
18 metres 55 metres = 73 metres
(240 feet)
or 18 car lengths

70
MPH
21 metres 75 metres = 96 metres
(315 feet)
or 24 car lengths

Thinking Distance
Braking Distance
average car length = 4 metres



if he had 100m left before a roundabout, plenty of space, even if you were doing 70mph 80mph smileys/smiley2.gif

so thats the person in front now add on the guy behind and how much space between him and pleb who overtook

doesnt wrk as simple as oh ive 100m to a roundabout ive plenty of room

[Yates]

as boz said 99%

100m away from the road is plenty of room

[Barry123]

depends what speed tho.

? ? ?

[Yates]

even 70mph is enough room to break

[saxx]

not for 2 cars