hemmjonny Posted December 20, 2011 Share Posted December 20, 2011 Hi all, My girlfriend had a very minor accident (so minor her car does not have a mark on it) a few weeks ago. she pulled out of a very blind junction and was almost completely on her side of the road and a lady came fast round the corner from the right and hit my girlfriends car on the front left hand side of the bumper. Like i said there was not damage to my girlfriend’s car but it had knocked the trim off the ladys car. Now I had a call from the insurance company today and they say as there are no witnesses and my girlfriend was pulling out of/pulled out of the junction it’s her fault and she will lose her no claims bonus as she is only 20 that’s a big deal as next year her insurance will be nuts. Is there anything I can do??? Pics of roughly what happened below Thanks Jonathan [ATTACH=CONFIG]143205[/ATTACH] [ATTACH=CONFIG]143206[/ATTACH] [ATTACH=CONFIG]143207[/ATTACH] Quote Link to comment Share on other sites More sharing options...
Swampy442 Posted December 20, 2011 Share Posted December 20, 2011 She pulled out in front of an oncoming car, seems pretty cut and dried to me dude. Quote Link to comment Share on other sites More sharing options...
Mario Posted December 20, 2011 Share Posted December 20, 2011 I should have a chat with the lady, and pay her trim myself if that is reasonable. Beceause if the no claim bonus is worth more then a trim, then it's an easy call imo. Quote Link to comment Share on other sites More sharing options...
Guigsy Posted December 20, 2011 Share Posted December 20, 2011 the excess is probably more than the trim as above. the persons fault who was pulling out of the junction unfortunately. Quote Link to comment Share on other sites More sharing options...
hemmjonny Posted December 20, 2011 Author Share Posted December 20, 2011 I should have a chat with the lady, and pay her trim myself if that is reasonable. Beceause if the no claim bonus is worth more then a trim, then it's an easy call imo. I would do that in a hart beat but we do not have the ladys details. Even if it cost me £1000 would be cheaper in the long run. Quote Link to comment Share on other sites More sharing options...
hemmjonny Posted December 20, 2011 Author Share Posted December 20, 2011 the excess is probably more than the trim as above. the persons fault who was pulling out of the junction unfortunately. She pulled out in front of an oncoming car, seems pretty cut and dried to me dude. Yeah thats what i thought . it is a very bad place to pull out of. feel sorry for her. Quote Link to comment Share on other sites More sharing options...
Swampy442 Posted December 20, 2011 Share Posted December 20, 2011 Not having much driving luck as a couple are you? Its a shame they couldnt have sorted it out at the time without involving the insurance companies. Quote Link to comment Share on other sites More sharing options...
barneybrendan Posted December 20, 2011 Share Posted December 20, 2011 was anybody drinking. Quote Link to comment Share on other sites More sharing options...
Abz Posted December 20, 2011 Share Posted December 20, 2011 Tell her she needs to be quicker on the accelerator pulling out! On a serious note it is going to be difficult to prove it wasn't her fault as she pulled out of a junction I am afraid. Did your girlfriend not exchange details? How did the other lady get her details or did she just take the reg. Quote Link to comment Share on other sites More sharing options...
hemmjonny Posted December 20, 2011 Author Share Posted December 20, 2011 Not having much driving luck as a couple are you? Its a shame they couldnt have sorted it out at the time without involving the insurance companies. lol no lucky in some was un lucky in others. yeah i would have if i was there. kicking myself that i didnt go with her that day Quote Link to comment Share on other sites More sharing options...
hemmjonny Posted December 20, 2011 Author Share Posted December 20, 2011 was anybody drinking. lol na not this time my girlfriend is an angel. Quote Link to comment Share on other sites More sharing options...
hemmjonny Posted December 20, 2011 Author Share Posted December 20, 2011 Tell her she needs to be quicker on the accelerator pulling out! On a serious note it is going to be difficult to prove it wasn't her fault as she pulled out of a junction I am afraid. Did your girlfriend not exchange details? How did the other lady get her details or did she just take the reg. lol yeah will tell her. my girlfriend gave her details and said she would call later that day but never did then we got a letter Quote Link to comment Share on other sites More sharing options...
Abz Posted December 20, 2011 Share Posted December 20, 2011 lol yeah will tell her. my girlfriend gave her details and said she would call later that day but never did then we got a letter Hope she learns from this, remind her always to EXCHANGE details. Quote Link to comment Share on other sites More sharing options...
hemmjonny Posted December 20, 2011 Author Share Posted December 20, 2011 If i called her accident management company do you think they would put me in contact or pass on a message? Quote Link to comment Share on other sites More sharing options...
Havard Posted December 20, 2011 Share Posted December 20, 2011 If i called her accident management company do you think they would put me in contact or pass on a message? I would ask either her insurer or yours to sort out the damage privately. I am not sure if they will do this as they can sting you for higher premiums next year, although I doubt your would stay with them if they did that. Looking at the diagrams it is obviously your girlfriends fault as she was pulling out. I had a similar accident in 1995 where a woman pulled out in front of me, I swerved to avoid her and ended up hitting her side on the opposite side of the road. If I would have gone the other way I would have avoided the accident but I didn't know at which point the old bint was going to realise I was hurtling towards her and hit the brake. H. Quote Link to comment Share on other sites More sharing options...
merckx Posted December 20, 2011 Share Posted December 20, 2011 How can anyone be proved to be at fault if there are no witnesses? What if for instance the other car was 50% over the speed limit and driving with no lights on a dark night and just because his girlfriend pulled out of the junction and there were no witnesses would she still be found to be at fault? You need some professional advice, I wouldn't necessarily rely on what us lot say. Aren't there are a few members that are Police Officers? Quote Link to comment Share on other sites More sharing options...
dangerous brain Posted December 20, 2011 Share Posted December 20, 2011 I'm not seeing a 30 0r 40 sign in your incoming village shots. I am seeing a relatively big junction space with what appears to be very good visibility of traffic coming from the right when sitting in that junction trying to turn right (if you are following the road lines). From the lines you have drawn on the first picture I would surmise that the other driver approached and clearly saw your Mrs pulling out across her and tried to avoid her in the natural direction most drivers would take ie away from them to their right when seeing a car coming from their left. If the offending vehicle came to a stop in the space of that picture you've put up and there aren't massive skid marks then the other car was hardly hacking along. FWIW it looks like a lack of road awareness on both parties sides that your Mrs is going to end up paying for. Quote Link to comment Share on other sites More sharing options...
hemmjonny Posted December 20, 2011 Author Share Posted December 20, 2011 it does look a lot clear in the google images but i do that same road 2 times a week you can only see to the over side of the junction. Quote Link to comment Share on other sites More sharing options...
stevie_b Posted December 21, 2011 Share Posted December 21, 2011 Tricky one. Take photos of the junction showing the view of the road your girlfriend would have had when she was trying to pull out, and send them to your insurer. Not necessarily talking about the OP's case, but I know of a few junctions where you really can't see far enough along the main road (in these cases, fast-ish roads) to see if anything's approaching or not. It's a leap of faith. People saying, "Don't pull out unless you can see" doesn't really cut it in those situations if you can't see more than a few yards along the main road. It turns into a gamble: roll the dice and see if you get unlucky. Quote Link to comment Share on other sites More sharing options...
hemmjonny Posted December 21, 2011 Author Share Posted December 21, 2011 Cheers mate will give it a go. Quote Link to comment Share on other sites More sharing options...
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