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Had a car accident this weekend - Need advice...

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veeeffarr
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PostPosted: 01:01 - 21 Aug 2006    Post subject: Had a car accident this weekend - Need advice... Reply with quote

Basically, on a 3 lane carriageway heading towards Southport (Queens Drive West Derby if anyone knows it)

We (Me and my GF) were in the middle lane, left lane was clear, right lane was full of traffic but going at speed, our lane was absolutely chocka, moving at about 15 MPH.

There was a junction to our left, and as we were level with it a car pulled out at about 10-15 mph and headed STRAIGHT TOWARDS us.

I'm pretty sure his intention was to hit us, as he didn't stop.

We swerved right to avoid the impact, and ended up going into the back of a Landrover.

Only problem is is that the driver that made us crash in the first place didn't stop, and just drove round the back of us afterwards and turned right onto the carriageway flowing in the other direction.

Is there anything we can do? We can't remember the full VRM of the driver (I'm going back just incase he lives down that junction to get the full one)

But my gf's going to have to pay for all of this on her fully comp insurance, it's her first few months of driving and I really want to do something to help.

Pics of damage:

https://i66.photobucket.com/albums/h277/th0r0n/Yaris1.jpg

https://i66.photobucket.com/albums/h277/th0r0n/Yaris2.jpg

Sketch of what happened:
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rocket_richie
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PostPosted: 01:15 - 21 Aug 2006    Post subject: Reply with quote

i got that cross bow still mate lets go on a hunt Thumbs Up Very Happy Thumbs Up
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yambabe
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PostPosted: 01:16 - 21 Aug 2006    Post subject: Reply with quote

Anyone else stop? Any witnesses?
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veeeffarr
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PostPosted: 01:20 - 21 Aug 2006    Post subject: Reply with quote

babyyam wrote:
Anyone else stop? Any witnesses?


4x4 driver stopped.

My main concern was getting my GF and the car off of the road into a carpark.

He didn't see what happened but his kids did I think.

We cracked his RHS brake light, he wasn't bothered, really nice guy.

There's CCTV I think but I don't think they'll look at it with only a partial VRM
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Ste
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PostPosted: 01:22 - 21 Aug 2006    Post subject: Reply with quote

Assume you've reported the accident to the police already?

Any insurance claim should go to the Motor Insurers' Bureau rather than your GF needing to claim against her own insurance. Thumbs Up
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Rookie
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PostPosted: 01:30 - 21 Aug 2006    Post subject: Reply with quote

You did all that to the Yaris, and only cracked his brake light? Shocked I need a Land Rover! Laughing

Bad luck though Toby, I'd say try and get some CCTV evidence, though if they didn't stop there's a good chance they're not insured anyway. Sad
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veeeffarr
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PostPosted: 01:32 - 21 Aug 2006    Post subject: Reply with quote

Rookie wrote:
You did all that to the Yaris, and only cracked his brake light? Shocked I need a Land Rover! Laughing

Bad luck though Toby, I'd say try and get some CCTV evidence, though if they didn't stop there's a good chance they're not insured anyway. Sad


Aye, didn't get a good description as my memory is fucked...

I'll pass the MIB details onto her but her car has already been recovered to her house by the insuance and she's started the motions of a claim on her fully comp

It's been reported yes.

There was no physical contact with the driver that went to hit us.

Couldn't get a good description, asian in a silver car was the best guess.
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sickpup
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PostPosted: 01:38 - 21 Aug 2006    Post subject: Reply with quote

Rookie wrote:
You did all that to the Yaris, and only cracked his brake light? Shocked I need a Land Rover! Laughing



Written off two cars in mine and didn't even scratch my tow hook. Both drove into the back of me while I wasn't moving.
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veeeffarr
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PostPosted: 01:42 - 21 Aug 2006    Post subject: Reply with quote

it wasn't even a 5mph impact i don't think. She'd just about finished hauling the car up and it looked almost stopped when I saw the bonnet pop up and thought "Oh my shit"
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Shaun
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PostPosted: 08:09 - 21 Aug 2006    Post subject: Re: Had a car accident this weekend - Need advice... Reply with quote

Toby R wrote:
headed STRAIGHT TOWARDS us.

I'm pretty sure his intention was to hit us, as he didn't stop.

We swerved right to avoid the impact, and ended up going into the back of a Landrover.


So, he was getting ready to pull out, you panicked, swerved with no real reason, hit the landrover, guy who was getting ready to pull out goes ooh, my chance to pull out and leaves.
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Whosthedaddy
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PostPosted: 09:49 - 21 Aug 2006    Post subject: Re: Had a car accident this weekend - Need advice... Reply with quote

Shaun wrote:
Toby R wrote:
headed STRAIGHT TOWARDS us.

I'm pretty sure his intention was to hit us, as he didn't stop.

We swerved right to avoid the impact, and ended up going into the back of a Landrover.


So, he was getting ready to pull out, you panicked, swerved with no real reason, hit the landrover, guy who was getting ready to pull out goes ooh, my chance to pull out and leaves.


Wording is crucial when writing insurance statements, only the facts no maybes, ifs or whatevers.

Its a tough one.
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veeeffarr
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PostPosted: 10:04 - 21 Aug 2006    Post subject: Re: Had a car accident this weekend - Need advice... Reply with quote

Shaun wrote:
Toby R wrote:
headed STRAIGHT TOWARDS us.

I'm pretty sure his intention was to hit us, as he didn't stop.

We swerved right to avoid the impact, and ended up going into the back of a Landrover.


So, he was getting ready to pull out, you panicked, swerved with no real reason, hit the landrover, guy who was getting ready to pull out goes ooh, my chance to pull out and leaves.


No,

He pulled out and covered the entire left lane of the carriageway horizontally towards his car and kept moving towards us.
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Keir
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PostPosted: 10:08 - 21 Aug 2006    Post subject: Reply with quote

shes going through her insurance for what appears to be a bonnet and 2 headlights?!
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veeeffarr
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PostPosted: 10:27 - 21 Aug 2006    Post subject: Reply with quote

Keir_K3 wrote:
shes going through her insurance for what appears to be a bonnet and 2 headlights?!


Plus the engine bay inside is crumple as well...

Yes she is.
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Annabella
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PostPosted: 10:49 - 21 Aug 2006    Post subject: Re: Had a car accident this weekend - Need advice... Reply with quote

Whosthedaddy wrote:

Wording is crucial when writing insurance statements, only the facts no maybes, ifs or whatevers.

Its a tough one.



Completely agree, it would be very easy for the insurance company to 'read' what Shaun posted - make sure there is no mistaking what you saw.
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veeeffarr
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PostPosted: 11:12 - 21 Aug 2006    Post subject: Re: Had a car accident this weekend - Need advice... Reply with quote

Annabella wrote:
Whosthedaddy wrote:

Wording is crucial when writing insurance statements, only the facts no maybes, ifs or whatevers.

Its a tough one.



Completely agree, it would be very easy for the insurance company to 'read' what Shaun posted - make sure there is no mistaking what you saw.


I agree, I've told her to phone her insurance and go back over her statement
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queen of string
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PostPosted: 13:55 - 21 Aug 2006    Post subject: Reply with quote

Have you been to A+E to log your neck pain?? You could probably claim off her insurance, it would make little difference to her furture insurance and you could split the cash with her. I'm sure some bits of you are a little bit stiff from the crash ? You dont need to lie, just ensure any aches, pains and discomforts are recorded now.
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veeeffarr
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PostPosted: 15:16 - 21 Aug 2006    Post subject: Reply with quote

queen of string wrote:
Have you been to A+E to log your neck pain?? You could probably claim off her insurance, it would make little difference to her furture insurance and you could split the cash with her. I'm sure some bits of you are a little bit stiff from the crash ? You dont need to lie, just ensure any aches, pains and discomforts are recorded now.


I don't know what her future insurance is going to be, this is her first year - She passed her test a few months ago and has just done her pass plus! So she has 0 NCD.
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Robby
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PostPosted: 15:46 - 21 Aug 2006    Post subject: Reply with quote

If a claim is going through, get your personal injury claim in - your neck pain, situtational awareness syndrome etc will get you 2k+. Fuck the morals, its free money, and won't make much difference to her future insurance.
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veeeffarr
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PostPosted: 16:15 - 21 Aug 2006    Post subject: Reply with quote

robby wrote:
If a claim is going through, get your personal injury claim in - your neck pain, situtational awareness syndrome etc will get you 2k+. Fuck the morals, its free money, and won't make much difference to her future insurance.


Can I do this in A&E? (Not registered with a doctor)

I don't know how this will effect her insurance anyway, she's a new driver so has 0 NCD.
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Robby
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PostPosted: 17:37 - 21 Aug 2006    Post subject: Reply with quote

It will affect her insurance - any claim will load your insurance premium, even if it isn't your fault.

You can do that through A + E, I did it through my physio then saw the insurance doctor 6 months after the crash.
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Ste
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PostPosted: 17:44 - 21 Aug 2006    Post subject: Reply with quote

Toby R wrote:
I don't know how this will effect her insurance anyway, she's a new driver so has 0 NCD.

If she claims off her own insurance then it'll go up next year. But as she shouldn't be claiming off her own insurance so it shouldn't be affected. Thumbs Up
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veeeffarr
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PostPosted: 17:45 - 21 Aug 2006    Post subject: Reply with quote

Ste wrote:
Toby R wrote:
I don't know how this will effect her insurance anyway, she's a new driver so has 0 NCD.

If she claims off her own insurance then it'll go up next year. But as she shouldn't be claiming off her own insurance so it shouldn't be affected. Thumbs Up


Unfortunately MIB can't do anything without a full car registration.

So I'm goingback to the junction he pulled out of on my bike and hope he lives down there so I can take the full number down.

T
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veeeffarr
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PostPosted: 17:50 - 21 Aug 2006    Post subject: Reply with quote

Ste wrote:
Toby R wrote:
I don't know how this will effect her insurance anyway, she's a new driver so has 0 NCD.

If she claims off her own insurance then it'll go up next year. But as she shouldn't be claiming off her own insurance so it shouldn't be affected. Thumbs Up


I'm not sure about this, the car didn't actually hit us Sad
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veeeffarr
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PostPosted: 19:09 - 21 Aug 2006    Post subject: Reply with quote

Oh well, at least she's got a Yaris 1.3 '06 as a courtesy car! Smile
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