Who's fault is it??

[Golfmmad]

My wife had a little prang today, nothing serious, nobody hurt. Although she is complaining of a bit of whiplash injury.

We live in a cul-de-sac, in the top corner. Wife was reversing on to our drive, and next door neighbour was reversing out of hers. It was a case of rear ends colliding, not too much damage.

My wife has already been to the local bodyshop repairers and it's going to cost £400. Similar damage to neighbours car, but don't know what her costs will be yet.

But who's fault is it? Our neighbour did say that she didn't think she looked as was rushing up to hospital, wife said she didn't see her.

I said to just sort each others own repair, although we haven't yet spoken to her as she's not back from hospital.

What do you guys think, 'cos I aint got a clue.

Any thoughts appreciated.

Golfmmad.

 

[0]

Tough one - without any witnesses its one persons word against another. If its ammicable agree to take care of your own damage. Get insurance companies involved and you could both lose your no CLAIM (an not no blame as some people think) bonuses while they ar gue about it for months and or years.

 

[Imurg]

Technically I think as your Missus was on the road then she had the priority of manoeuvre.
But as neither saw each other then they're probably equally a fault.

 

[PhilTheFragger]

if you get Insurance companies in they will probably view it as "Knock for Knock"

id keep the insurance companies out of it if you can afford it, each pays for their own damage

Depends how much your no claims discount is worth and if it is protected.

Also shop around body shops, play one off against another

Haggle a bit

Fragger

 

[jammag]

Let your insurers know that there was an accident because if you dont then they will wonder at renewal why it hasnt been reported and how fussy insurers are getting at the moment they dont want people who lie about anything. Sounds as if they both wasnt paying 100% attention as I would imagine most of the time there is never anything to think other wise. Insurers would settle knock for knock which would mean you would both have a claim against yourselves. How ever if you sort this out yourself then still let insurers know but they can put the incident down and it will show as no claim made, which means they will be more keen to insure you in the future as you like repairing your own car and this is no cost to insurer.

I do work for an insurance company and any incident that is sorted between the 2 partys privately never has an effect on the premiums you just have to declare any accidents or claims

 

[viscount17]

it'll be knock-for-knock, both will lose no claims.

find someone to do it privately, it'll be lots cheaper in the long run

 

[andycap]

thats not what i have experienced .
last year i went to add my wife to my policy and they wanted £200 more, when i queried this as she has never had any claims , i was told that it was because she had 'notified them of an incident' . Basically some numpty tailgating her did not stop in time when she gave way to oncoming traffic. After notifying the insurance and being told she would have to pay £300 excess and they would 'endeavour' to claim it back , she decided to not make a claim. When i asked the insurance company how she can be more of a risk after someone ran into her, or how a premium can be loaded for not making a claim they just cited the ' notifying of an incident ' .

 

[jammag]

thats ridiculous if you have and shouldve shopped round. You havent cost the insurance company anything and shouldnt of raised premium because of that. I would imagine the person on the phone may of chickened outon telling you premiums have gone up in general and used that as an excuse.

I mean if you have about 5 of these incidents then yeah I can see why they may be unsure but I bet on there premium calculations an accident load would not of been on there.

 

[Golfmmad]

Thanks guys, as ever Golf Monthly Forum comes up trumps again.

Some interesting replies.

Will speak with neighbour tomorrow and see what she has to say.

Jammag, if we sort it ourselves, how will insurance co. know about it, and why do they need to know if we've made no claim.

Golfmmad.

 

[goldenbare]

.
It was a case of rear ends colliding, not too much damage.

Golfmmad.

surprised there was any, the're normally well padded

 

[Golfmmad]

.
It was a case of rear ends colliding, not too much damage.

Golfmmad.

surprised there was any, the're normally well padded

Oi, this is a serious thread mate.

Knob.



Golfmmad.

 

[jammag]

Reason being if the worst happens and you have a much worse accident and damage is caused to the vehicle and it has a full check and they spot other damage to the vehicle, they will query it straight away and will cause delay in paying out. If they know about an incident they can check records and say yeah accident happened a year ago so thats what that is no need to worry.

Plus if the 3rd party suddenly claim for injuries in a months time then insurers again wont be happy having to chase you for the details which would then more than likely result in the 3rd partys claim being paid out as they have notified it and wont have any details from yourself to back your side up. Just protect yourself really incase they try and pull a sneaky personal injury claim


editted to add : you wont believe how much information the insurers can get about you. facebook, google maps street view etc. We have a specialist team that go through just our web business to try and get rid of people trying to lie about details crazy how much they find out and people think they will get away with it

 

[Herbie]

Don't really know without seeing what happened and also not knowing the layout of the scene I can't really say.

If you are talking about a shared driveway that's one thing.If you have the type of property where there is a double driveway between houses and no separation you could look at who strayed from one property to another.(You do have property boundaries)

I cannot understand why there should be a problem for anyone reversing up their own driveway if that is all they are using. It's when people stray that a collision may be the result.

I say again, "I don't know simply because I didn't see" so this is all speculation.

But two women reversing is always good for a laugh, even more so when in close proximity and oposite directions. (For every woman that can do it well, there are 20 who simply can't)

Try suing for trespass or just accept that your wife and neighbour may be equally affected by spacial awareness and therefor equally responsible and suck it up.

I can't help but titter at the imaginary scene I have conjoured up. lol