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Accident On The Road

#1 User is offline   Crazy Craig 

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Posted 11 May 2018 - 08:17 PM

Hi all,

After a little bit of advice if you don't mind. Was out driving this morning with the other half, she hasn't passed her test yet so L plates on the car, all insured & roadworthy as it should be & me in the passenger seat. Coming up to a roundabout and we are stopped, an artic in the right hand lane pulls away without checking his mirrors and hits the car. Luckily no injuries and the only damage is a dent on the front wing which will need popping out & paint touching up. The lorry driver gave all his details, he said he would send the info through to his boss but after a quick bit of Googling it looks like he is self-employed as he is director of the company. The car is a '05 Focus, only on 70k and 2 owners from new, otherwise mint. Question is would it be best to try and settle between us rather than involving insurance companies, the thinking behind it is why put a write-off marker on a mint car and possibly increase insurance for a driver not even fully passed yet? We also have details of a kind chap who was behind and stopped to offer his details as a witness should it be needed.

Thanks in advance :thumbup:

CC.

"I know someone who used to have a Capri..."

#2 User is offline   BigJ 

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Posted 12 May 2018 - 12:23 AM

View PostCrazy Craig, on 11 May 2018 - 08:17 PM, said:

Hi all,

After a little bit of advice if you don't mind. Was out driving this morning with the other half, she hasn't passed her test yet so L plates on the car, all insured & roadworthy as it should be & me in the passenger seat. Coming up to a roundabout and we are stopped, an artic in the right hand lane pulls away without checking his mirrors and hits the car. Luckily no injuries and the only damage is a dent on the front wing which will need popping out & paint touching up. The lorry driver gave all his details, he said he would send the info through to his boss but after a quick bit of Googling it looks like he is self-employed as he is director of the company. The car is a '05 Focus, only on 70k and 2 owners from new, otherwise mint. Question is would it be best to try and settle between us rather than involving insurance companies, the thinking behind it is why put a write-off marker on a mint car and possibly increase insurance for a driver not even fully passed yet? We also have details of a kind chap who was behind and stopped to offer his details as a witness should it be needed.

Thanks in advance :thumbup:

CC.


Hmmm....why would a dent on a wing result in a write off of the vehicle even if it is an 05 plate? If your car was stationary and the HGV collided with you then it’s down to the other party. If the guy offers to pay for the damage then there’s no legal requirement to claim through either insurance company although there might be a requirement to disclose any ‘previous incidents’ at the time of renewal.

That said it sounds like the guy is a bit dodgy to start with so how confident can you be that he will honour any commitment to reimburse you for the damage to your vehicle? At least if you go through your insurance company they will (should) handle the claim on your behalf including any legal fees incurred in the event the guy was uninsured.

This post has been edited by BigJ: 12 May 2018 - 12:24 AM


#3 User is offline   Crash & Burn 

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Posted 12 May 2018 - 01:08 AM

View PostBigJ, on 12 May 2018 - 12:23 AM, said:

Hmmm....why would a dent on a wing result in a write off of the vehicle even if it is an 05 plate? If your car was stationary and the HGV collided with you then it’s down to the other party. If the guy offers to pay for the damage then there’s no legal requirement to claim through either insurance company although there might be a requirement to disclose any ‘previous incidents’ at the time of renewal.

That said it sounds like the guy is a bit dodgy to start with so how confident can you be that he will honour any commitment to reimburse you for the damage to your vehicle? At least if you go through your insurance company they will (should) handle the claim on your behalf including any legal fees incurred in the event the guy was uninsured.



Sound advice - I'm also suspect of the person who offered himself as a witness. Perhaps I'm cynical by profession and habit, but they could just as easy be his friend or relative. In any case, their statement is best taken by experienced professionals. People get insurance for the purpose of resolving accident issues. It can only make limited sense to circumvent it when the time comes to reap the benefit of premiums paid.
Anyway, has it led you to buy a dash cam yet? :snack:


#4 User is offline   Crazy Craig 

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Posted 14 May 2018 - 08:45 PM

Thanks guys. Have spoken to the truck company today and turns out theres another guy there who is the owner, they just happen to have the same first name but definitely a different person. They have agreed to pay the damage direct to a reasonably priced bodyshop rather than argue through insurance so hopefully things will all work out :)

And yes think I might have to look for a dashcam. Certainly makes you think about things on the road more too!

"I know someone who used to have a Capri..."

#5 User is offline   wullie 

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Posted 15 May 2018 - 12:02 PM

If its a small company it can be cheaper for them to fix the rather than go through ins.as there excess is alot more than you think.


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