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Vehicle Accident Claim - Can I Claim Against Anyone?
10past6
Posts: 4,962 Forumite
Hi folks
I’ll try and make this as brief as I can, travelling on the motorway this morning around 05:30 am, I suddenly hit a solid object in lane 3 (fast lane) my car stalled, but managed to get onto the hard shoulder, several cars behind me also hit this object, resulting in I would guess around 10 vehicles ending up on the hard should., it felt as though I had hit a raised manhole cover or something very similar.
On inspection of my vehicle I found both the offside front & rear tyres had gone, including damage to both alloys.
My vehicle was relayed back to a tyre centre where both tyres were replaced, on a test drive the mechanic noticed my vehicle was pulling to the left, also vibration, and a wired noise coming from under the front offside.
Due to the safety aspect, I contacted my insurance and have arranged for my vehicle to be assessed by one of they’re repair centres, now to my point, I have a £200.00 excess on my policy, and just paid £190.00 for the 2 tyres to be replaced, is there anyone I can claim against for this?
This claim will obviously affect my NCD, and as you can see from my signature, I’m on a very fixed income; I just don’t have the money to layout as described above, any help / guidance will be very much appreciated.
Finally, this incident has been recorded by the Highways Agency, including all the vehicles involved, the motorway was shut down briefly to enable to foreign object to be dragged off the main carriageway.
I’ll try and make this as brief as I can, travelling on the motorway this morning around 05:30 am, I suddenly hit a solid object in lane 3 (fast lane) my car stalled, but managed to get onto the hard shoulder, several cars behind me also hit this object, resulting in I would guess around 10 vehicles ending up on the hard should., it felt as though I had hit a raised manhole cover or something very similar.
On inspection of my vehicle I found both the offside front & rear tyres had gone, including damage to both alloys.
My vehicle was relayed back to a tyre centre where both tyres were replaced, on a test drive the mechanic noticed my vehicle was pulling to the left, also vibration, and a wired noise coming from under the front offside.
Due to the safety aspect, I contacted my insurance and have arranged for my vehicle to be assessed by one of they’re repair centres, now to my point, I have a £200.00 excess on my policy, and just paid £190.00 for the 2 tyres to be replaced, is there anyone I can claim against for this?
This claim will obviously affect my NCD, and as you can see from my signature, I’m on a very fixed income; I just don’t have the money to layout as described above, any help / guidance will be very much appreciated.
Finally, this incident has been recorded by the Highways Agency, including all the vehicles involved, the motorway was shut down briefly to enable to foreign object to be dragged off the main carriageway.
Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
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Comments
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Call the Highways agency and ask them; although it may be the local authority that is responsible for that stretch of road but the HA will tell you that.0
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Unless you find the vehicle that dropped the item I don't think you will get anywhere. #whilst the Highways agency/Local Authority are responsible for making sure the roads are safe, they cannot patrol all the time.
If other people hit the object after you, but there was no one before you then it is likely the object was resently dropped for a vehicle.
Chances are you are going to have to pay for this one yourself.0 -
The insurers should pay for the tyres. I say "should" - its been around 18 yrs since I dealt with motor claims.
As Uktyler says, very little prospect of recovery from a third party. Only hope might be if the police attended and managed to trace the offending item.0 -
OK, well thanks for the replies everyone, such alot of money to pay out when it's not my fault, but I understand what you're all saying
:mad: Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0 -
Motorways have nothing to do with the local authority.
They are 100% Highways Agency.
Unless you can positively identify the vehicle that the object fell off, then you have no recourse other than from your own insurance. That's one of the reasons for having Fully Comp. Observation is usually a good idea. You should drive at least 2 seconds behind the car in front. At 70mph that is 60 metres or about 12 car lengths - not 1-2 car lengths as is common on motorways....
As the cost of your replacement tyres is less than your excess, DO NOT even phone your insurance company to ask about this. They will probably treat such a call as a claim (they don't need much of an excuse to do this) and your premium will probably go up next year by more than your claim anyway.
By the way, there are NO manhole covers on any motorways in the UK, other than some on the hard shoulder.British Ex-pat in British Columbia!0 -
That's one of the reasons for having Fully Comp. Observation is usually a good idea. You should drive at least 2 seconds behind the car in front. At 70mph that is 60 metres or about 12 car lengths - not 1-2 car lengths as is common on motorways.....
Having passed my driving test in 1979, I don’t need any lectures on motoring thank you very much, but for you information, I was overtaking a HGV in lane 2 I was between lanes 2 & 3 when the incident happened, as there were no overhead lights, it was almost impossible to have seen the obstacle, had I noticed it, I would have taken preventative action!! .
As the cost of your replacement tyres is less than your excess, DO NOT even phone your insurance company to ask about this. They will probably treat such a call as a claim (they don't need much of an excuse to do this) and your premium will probably go up next year by more than your claim anyway.
One thing in life that irritates me is people jumping in and giving an opinion without understanding the whole situation, go back and read paragraph 3 of my original post!!!!
By the way, there are NO manhole covers on any motorways in the UK, other than some on the hard shoulder.
Oh dear, once again, go back and read paragraph 1, see, I never said it was a raised manhole for definite!!!Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0 -
Having passed my driving test in 1979, I don’t need any lectures on motoring thank you very much, but for you information, I was overtaking a HGV in lane 2 I was between lanes 2 & 3 when the incident happened, as there were no overhead lights, it was almost impossible to have seen the obstacle, had I noticed it, I would have taken preventative action!! .
One thing in life that irritates me is people jumping in and giving an opinion without understanding the whole situation, go back and read paragraph 3 of my original post!!!!
Oh dear, once again, go back and read paragraph 1, see, I never said it was a raised manhole for definite!!!
Sorry, misread your post. May have been something to do with the vile colour and unnecessary font formatting.
Your paragraph 4 could be read such that the outcome of the inspection was that you needed two tyres which cost £190 and this is less than your excess. Expensive tyres if you're on a DMP as well....
As for paragraph 3, what is a wired noise? Sounds a bit wierd to me....British Ex-pat in British Columbia!0 -
Let me give you a tip from my many years of experience, buying cheap is not always the best optionExpensive tyres if you're on a DMP as well........
Just like some on this site, if by picking up on my spelling mistake is your only defence, err, not much more to be said, pity you never noticed it in your original reply, if you had a genuine gripe about it, you'd have mentioned it in your original reply, let me remind you, it was post 6Sounds a bit wierd to me....Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0 -
Dude,
What I think you will find is that your insurance company will deduct the £200 excess from repairs done to put your car right.
The 'temporary' repairs you had done are also covered.
So let's say it cost £500 to repair your car - then you pay the £200 excess - the invoice for the tyres etc - the £190 - should be reimbursed by your insurer.
However if you do not have any other repairs done over and above the first £190 then you are not going to get that back.
Clear as mud?
Good luck and the important thing is that it sounds like you weren't hurt.
Duder0
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