hoff Posted March 14, 2008 Share Posted March 14, 2008 Another non fault accident. Im really sorry to hear this Daryl. At least you are ok mate:) Quote Link to comment Share on other sites More sharing options...
Homer Posted March 14, 2008 Author Share Posted March 14, 2008 Thanks again folks Got the hire car sorted for one week, so should have transport until next Friday. Unfortunatly as it's very likely the car will be written off I will have to hand the car back as soon as they send a cheque. This means I will be without a car for the easter weekend.. the time when I'm suposed to be visiting my sister and father in hospital (and also hopefully seeing my new niece) I was going to suggest you could have borrowed the NA I just brought as it seems like I am collecting cars at the moment, glad they have come up with a hire car so quick Now thats what I call club spirit! Is she insured with highway? as that is extremelly quick for a 3rd party insurance company. Glad they are sorting it and you dont have to claim through your insurance. She's with Direct Line, they have been superb so far. Very professional on the phone and sorted out a courtesy car in an hour of contacting me. NIG (through Sky) were helpful at the beginning getting the car recovered but today were absolutely shocking on the phone. One person I spoke to was possibly the rudest person I've ever encountered at a call centre Yes but whiplash (aka stiff neck) = £3000 Thants what insurance is for Sorry mate, but this sort of thing really gets on nerves. Frivolous injury claims are one of the reasons we're having to pay more for car insurance now than ever. Apart from a couple of bruises I wasn't hurt at all. What was amazing today was that everyone I spoke to said I should make a claim for personal injury (3 people at the hire car company and even one at NIG - presumably because it was the other company paying). Even the Direct Line person seemed surprised when I said I was fine. OK now they've admitted fault they will probably come to take your car away. Give them the supra then tell them you've changed your mind and you want it fixing now haha "The engine just flew out the bonnet, couldn't find it anywhere!" Quote Link to comment Share on other sites More sharing options...
Kranz Posted March 14, 2008 Share Posted March 14, 2008 )Sorry mate, but this sort of thing really gets on nerves. Frivously injury claims are one of the reasons we're having to pay more for car insurance now than ever. Apart from a couple of bruises I wasn't hurt at all. What was amazing today was that everyone I spoke to said I should make a claim for personal injury (3 people at the hire car company and even one at NIG - presumably because it was the other company paying). Even the Direct Line person seemed surprised when I said I was fine. Sorry to hear this mate. But never say never on the compo front. It can take up to 6 months for the full extent of any whiplash or more serious injuries to come out. Only the initial stiffness is an indication that there may be further problems in that area. Tell the insurance company that you had pains and where they were, also tell them that you will see if there are any long term effects. You don't want to be in my position with permenant (although its luckily low level) pain and no recourse to compensation Quote Link to comment Share on other sites More sharing options...
Homer Posted March 14, 2008 Author Share Posted March 14, 2008 Thats a valid point Steve The impact wasn't a hard one, I glanced off the front of her car so there was no 'sudden stop' involved. The airbag didn't even go off. I doubt I was doing much more than 20mph when it happened. My neck was a little stiff last night, but that was probably more due to adrenaline after the crash and standing in the cold for an hour. I felt absolutely fine this morning and the rest of the day, just a little pain in my knee and elbow from the bruises. I've had much worse after a weekend working on the supra Quote Link to comment Share on other sites More sharing options...
gaz1 Posted March 14, 2008 Share Posted March 14, 2008 crikey the cops and the mods are jumping on the band wagon:innocent: Quote Link to comment Share on other sites More sharing options...
tooquicktostop Posted March 14, 2008 Share Posted March 14, 2008 The NA is here if you need it, It has Tax and MOT, you just need to insure and she is yours as long as you need Quote Link to comment Share on other sites More sharing options...
marbleapple Posted March 15, 2008 Share Posted March 15, 2008 Sorry mate, but this sort of thing really gets on nerves. Frivolous injury claims are one of the reasons we're having to pay more for car insurance now than ever. Apart from a couple of bruises I wasn't hurt at all. What was amazing today was that everyone I spoke to said I should make a claim for personal injury (3 people at the hire car company and even one at NIG - presumably because it was the other company paying). Even the Direct Line person seemed surprised when I said I was fine. I'm glad to see you are ok mate. I know I am biased in this area but sueing the woman for negligent driving isn't just an injury claim. You are claiming for the inconvenience, the bruises, (her stupid driving), and the bruised neck. Her insurance is there for a reason and any award you would be given would match the injuries and problems you have suffered as a result so if you are honest you are not ripping any one off. I.e. if it isn't a lot of damage then it won't be a lot of money. At the end of the day if the law didn't think your claim was valid then you wouldn't be able to sue. If you can sue then you should on principle. Quote Link to comment Share on other sites More sharing options...
Carl_S Posted March 15, 2008 Share Posted March 15, 2008 Can't believe it, my sensible low mileage BMW is wrecked I was driving steadily along the road when a car on the side road on my left jumps out of the road right in front of me! Couldn't have had even a second to react, so only managed to turn the wheel right a little before hitting her. She was turning right out the side road so crossing the road in front of me, the entire front of her car is caved in so I'm pretty sure it's her fault... even though she tried to blame me! Thats rich considering her first words were "I didn't even see you" Thankfully no one hurt, I've just got a stiff neck and for some reason a bruised knee. Hopefully no aches tomorrow. Insured through Sky so hopefully they'll be able to sort me out a hire car before the weekend (sister is due to give birth in a few days and my father goes into hospital for a major op, so need a car in the next two weeks). Some pics below... Sad, hope you get a quick reply from your insurance and thats its positive. Quote Link to comment Share on other sites More sharing options...
jevansio Posted March 15, 2008 Share Posted March 15, 2008 Ouch, just seen this, glad you're mostly OK Quote Link to comment Share on other sites More sharing options...
Lbm Posted March 15, 2008 Share Posted March 15, 2008 I'm glad to see you are ok mate. I know I am biased in this area but sueing the woman for negligent driving isn't just an injury claim. You are claiming for the inconvenience, the bruises, (her stupid driving), and the bruised neck. Her insurance is there for a reason and any award you would be given would match the injuries and problems you have suffered as a result so if you are honest you are not ripping any one off. I.e. if it isn't a lot of damage then it won't be a lot of money. At the end of the day if the law didn't think your claim was valid then you wouldn't be able to sue. If you can sue then you should on principle. Rubbish! Quote Link to comment Share on other sites More sharing options...
marbleapple Posted March 15, 2008 Share Posted March 15, 2008 Rubbish! What is? - Explain what is rubbish and why. Quote Link to comment Share on other sites More sharing options...
Lbm Posted March 15, 2008 Share Posted March 15, 2008 What is? - Explain what is rubbish and why. I'm glad to see you are ok mate. I know I am biased in this area but sueing the woman for negligent driving isn't just an injury claim. You are claiming for the inconvenience, the bruises, (her stupid driving), and the bruised neck. Her insurance is there for a reason and any award you would be given would match the injuries and problems you have suffered as a result so if you are honest you are not ripping any one off. I.e. if it isn't a lot of damage then it won't be a lot of money. At the end of the day if the law didn't think your claim was valid then you wouldn't be able to sue. If you can sue then you should on principle. How old are you? Quote Link to comment Share on other sites More sharing options...
marbleapple Posted March 15, 2008 Share Posted March 15, 2008 How old are you? If you have an opinion why not express it other than just make a 1 word statement without any evidence/grounding?I have no problem with people disagreeing with me but I at least would like to know why. What has age got to do with anything? If I told you I was 12 (which I am not) what difference would it make? Quote Link to comment Share on other sites More sharing options...
Lbm Posted March 15, 2008 Share Posted March 15, 2008 If you have an opinion why not express it other than just make a 1 word statement without any evidence/grounding?I have no problem with people disagreeing with me but I at least would like to know why. What has age got to do with anything? If I told you I was 12 (which I am not) what difference would it make? You don't just sue on principle-that makes you a tosser. Quote Link to comment Share on other sites More sharing options...
Class One Posted March 15, 2008 Share Posted March 15, 2008 Righto before this gets out of hand with the insults, lets just nip this one in the bud now shall we. Anymore insulting comments like that and you'll be taking a break. Discuss things like adults or not at all. Quote Link to comment Share on other sites More sharing options...
Lbm Posted March 15, 2008 Share Posted March 15, 2008 Apologies to you marbleapple and Class one- Let me rephrase that- I feel it makes the people unneccesarily sueing people complete t****rs Quote Link to comment Share on other sites More sharing options...
marbleapple Posted March 15, 2008 Share Posted March 15, 2008 You don't just sue on principle-that makes you a tosser. Lol. It just so happens that I am a trainee solicitor at the UK's leading personal injury/medical negligence firms so I would be slightly biased. I am against people who claim for injuries and fake the amount of damage to obtain a higher pay out. Saying that though if Homer has incurred expenses and injuries as a result of the accident, why should he not claim and how would it be unnecessary? In reality, any claim that gets to court would have had to use the pre action protocols and the CPR and these would root out most unnecessary/weak claims. My point is therefore that any action taken against another would never be unnecessary as otherwise the CPR would prevent it from taking place. The law and the judges are not total idiots. Since the Police take no action to punish the woman driver, sueing her might just achieve this aim and make her more careful. Anyway, Homers thread isn't about our difference of opinions so I won't reply any further on here. If we want to argue with me about it then start a new thread. - glad you are ok Homer. Righto before this gets out of hand with the insults, lets just nip this one in the bud now shall we. Anymore insulting comments like that and you'll be taking a break. Discuss things like adults or not at all. Thanks Quote Link to comment Share on other sites More sharing options...
snake Posted March 15, 2008 Share Posted March 15, 2008 I agree with homer, my car was written off a car crashed into the rear of my car when stationary. Although my neck was stiff for a week it was ok.my sister was in an accident and off work for months for whipplash so made a claim.There is a difference, all it will do is put up our premiums if you claim when not injured. Quote Link to comment Share on other sites More sharing options...
Lbm Posted March 15, 2008 Share Posted March 15, 2008 Lol. It just so happens that I am a trainee solicitor at the UK's leading personal injury/medical negligence firms so I would be slightly biased. To be fair, you probably are biased, myself less so. I am against people who claim for injuries and fake the amount of damage to obtain a higher pay out. Saying that though if Homer has incurred expenses and injuries as a result of the accident, why should he not claim and how would it be unnecessary? The law and the judges are not total idiots. This can always be debated. Since the Police take no action to punish the woman driver, sueing her might just achieve this aim and make her more careful. Do you honestly believe this? She needs Punishment? There was also some about a 6 year old...but that's been changed- me too slow again Hopefully no harm done to you m.a I agree with homer, my car was written off a car crashed into the rear of my car when stationary. Although my neck was stiff for a week it was ok.my sister was in an accident and off work for months for whipplash so made a claim.There is a difference, all it will do is put up our premiums if you claim when not injured. Basically Snake said it much more politley than me. Quote Link to comment Share on other sites More sharing options...
Homer Posted March 20, 2008 Author Share Posted March 20, 2008 Bringing this back on topic.. Had a call today to say the car will be written off, the repair cost was estimated at £4k! The other parties insurance company has been very good so far, they've extended my hire car cover for another week and upgraded it to a larger car (I mentioned I had planned to pick up some large car parts this weekend - which is true!) The assessor seemed quite a reasonable chap when I was speaking to him but he did say he has to use Glass's to provide a valuation He said that the car was in excellent condition and much lower mileage than is normal for these, so provided a 'favourable' valuation... I paid £1450 for the car 5 months ago. I cannot find similar spec/age car with low mileage anywhere to compare it to.. there are some larger engine ones for sale on auto trader, but with massive mileage for £1.5-£2k... What would be fair to accept as an offer for the car? I would be satisfied with getting back what I paid... Quote Link to comment Share on other sites More sharing options...
Pig Posted March 20, 2008 Share Posted March 20, 2008 Your in a position to not be without a car until you receieve a cheque (then you have 5 days) so be picky about your valuation! Quote Link to comment Share on other sites More sharing options...
Homer Posted March 20, 2008 Author Share Posted March 20, 2008 Your in a position to not be without a car until you receieve a cheque (then you have 5 days) so be picky about your valuation! Thanks Jon If I reject their first offer (which I expect to be a p*ss take), do they still have to provide the hire car until we reach an agreement? Quote Link to comment Share on other sites More sharing options...
marbleapple Posted March 20, 2008 Share Posted March 20, 2008 Your in a position to not be without a car until you receieve a cheque (then you have 5 days) so be picky about your valuation! Yer I would go for what you can get. I would be wanting a cheque which would enable me to be put back in the same position I was before the accident. Quote Link to comment Share on other sites More sharing options...
Pig Posted March 20, 2008 Share Posted March 20, 2008 Thanks Jon If I reject their first offer (which I expect to be a p*ss take), do they still have to provide the hire car until we reach an agreement? As far as i am aware, you can wait until a reasonable offer e.g what you find on autotrader would be fine. You have the right to a hire car until you have had the cheque for 5 days. Quote Link to comment Share on other sites More sharing options...
Homer Posted March 20, 2008 Author Share Posted March 20, 2008 Just did a check on Glass's: Trade-in - excellent: £641.00 Trade-in - average: £550.00 Dealer Retail price £1,570.00 Private Sale price: £1,470.00 Hmmm.... lets see what they offer Thanks Jon Quote Link to comment Share on other sites More sharing options...
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