Court Proceedings

[Marcg868]

I have been issued court from the accident last year now i admit its my fault. As i hit the back of her. However the particulars of the claim are absolute bollocks

Drove at speed! - Erm the road is a 50 mph road, we had slowed down to 20 she drove off after the Transit that caused the accident acclrated again up to 30. So maximum speed i hit her was 40 mph

Failed to brake, yes i hit the back of her, but cars can be controlled better under heavy braking.

Failed to keep a proper lookout?! Erm neither of us did then, she broke heaviley and i did, my reactions and brakes obviously wern't as good.

Drove into stationary vehicle, erm we were both doing 40 mph and made emergency stops.

Also £464 to repair a scratch on a bumper?!

I cant afford this and will be offering £10 a month
____________________
JACK, MISS YOU LOADS YOU LEGEND.

[truslack]

Only a cunt hits the car in front
____________________
Current: Suzuki RG 125 Gamma, Honda H100, Triumph Tiger 800XC, Suzuki SV650 (minitwin)

[Al]

So didn't you have insurance then as how come you have to pay to fix her car.

I slid into the back of somebody last year in the snow, I am indeed a cunt. I was only doing less then walking pace and couldn't stop on a slope. Yet he claimed for whiplash so I would have thought at the speed your accident was at you're pretty lucky they haven't stuck a personal injury claim in.
____________________
Yamaha FZR400RR 3tj
My Instagram Thingy

[james1988]

Never was a truer word spoken.

James

[c_dug]

[Marcg868]

[Andy C]

[Andy C]

[Marcg868]

It is a pisstake, but then thats all i can afford. I earn a low income and have arrears as it is.
____________________
JACK, MISS YOU LOADS YOU LEGEND.

[Marcg868]

[Al]

[Marcg868]

Reported the accident and thats all i thought i had to do!
Then heard nowt till now.
____________________
JACK, MISS YOU LOADS YOU LEGEND.

[Codemonkey]

Who did you report it to ? (You should have notified your insurance company).

Did you give your insurance details to the woman you hit ?

[G]

Presuming you want it to go through insurance - just tell your insurance company and pass on their details again.

Where does 'court' come in to it?

[Cheeseybeaner]

[Pete.]

This is exactly why you pay your insurance premiums.

From reading your first post it sounds like her insurance company have not heard from yours and therefore are issuing proceedings against you to recover their costs. As I see it you have two available courses of action:

Pay the costs of the repair to the woman's vehicle.

or

Contact your insurance company and ask them for a claim form. Fill that in and send it off. They might ask you why it has taken so long for you to inform them of your accident and all I can suggest is that you throw yourself at their mercy and plead ignorance/stupidity.

Bear in mind that this second course of action might result in you having to explain why you renewed your insurance under false terms, because you hadn't informed them of your accident, which means you renewed with a no-claims bonus you didn't deserve (so they will want money off you) and a back-dated increased premium for the renewal (they want more money) and you even face the risk of having your insurance cancelled and a marker against your name on the insurer's database. I would also check how much excess you pay on your policy because I strongly suspect that the excess, the increased premium you're gonna get charged and the loss of no claims is going to be a good bit more than the repair costs. My advice is, if all they want is the £464, find a way to pay it and quick.
____________________
a.k.a 'Geri'

132.9mph off and walked away. Gear is good, gear is good, gear is very very good

[G]

Further - I'd perhaps ask for more evidence of exactly what repair work was done and details of the damage caused. Quite likely she reversed into a bollard, but doesn't want to pay for the damage.

[stinkwheel]

I suspect your insurance company have been fucking her about.

Friends of mine have started proceedings against the third party in an accident before when the insurance company was just blowing hot air out of their arse instead of settling the claim.

The idea is that you get onto your insurance company and stick rocket up their arse at the same time as you put a flea in their ear.

They don't really want to take you to court, they just want the money for repairing their vehicle. It's a third party liability, you are insured for it.

Technically YOU owe them the money and you then claim for it from your insurance company. It is usual practice to just cut out the middle man and deal direct between the insurance companies.

In the unlikely event that it does land up in front of a magistrate, make sure you tell them that you were carrying insurance for this and can't understand why your insurance company hasn't settled. Take your insurance documents and make sure you discuss the matter with the clerk of the court before the case is heard (he's the one that has formal legal training).

Ultimately, if you're ordered to pay, you can claim the money back off your insurance company (less the excess). If they fuck you about, there's nothing stopping you taking the insurance company to the small claims court too.
____________________
“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.

[Marcg868]

basically the day of the accident i informed my insurance about the accident and gave her details to them and mine and what happened. Heard nothing from my insurance so thought nothing of it and renewed my insurance this august because i thought she had not bothered as id heard nothing from my insurance or hers.
____________________
JACK, MISS YOU LOADS YOU LEGEND.

[Rogerborg]

Yup, the onus on you to pay out, or to ensure that your insurers do.

The same thing happened to me many years ago. My insurer (Endsleigh - NAME AND SHAME) dicked around for over a year before paying out on a simple claim. The other party was - quite rightly - threatening me with action.

Eventually it came down to me sending a similar "Notice before action" to Endsleigh telling them that I'd be starting court action against them - and adding all the costs on to the accident costs - before they finally paid up. Bloody crooks.

[dragstaar]

you may not have received any documents because you admitted liability. Although this all does seem awfully fucking dodgy to me. There is a fish in here somewhere and i can smell it.

What was the ccourt proceedings letter like? did it look official? Did it ask for a check to be written out, because it may be a scam, if the woman has already paid and wants a double payment.

call your insurance company and ask them what they hanve on record for the accident, and what their systems say took place (i.e. claim settled/claim ongoing etc).

[Codemonkey]

[Marcg868]

defo official! from mansfield county court. will photocopy it and send it to my insurance. I have no bother about admitting i hit her and its my fault. What i won't accept is paying out of my own pocket when this is what the insurance is for. Insurance is with highway through express insurance.
____________________
JACK, MISS YOU LOADS YOU LEGEND.

[Pete.]

I would still be having a good old think about it for just £466. It'll cost you more in the long run.

How much is your excess?
____________________
a.k.a 'Geri'

132.9mph off and walked away. Gear is good, gear is good, gear is very very good

[Paulington]