DD had an accident today

mumps

Just thought I would give you some information from when my DD had an accident.
1. Passplus didn't help with her insurance, as she had a claim company said they would not consider Passplus.
2. I think you, like me, have to accept that whilst the other driver may have been at fault but our daughters inexperience was almost certainly a factor. I know how you are feeling at the moment but can I suggest you try to look at this in a more positive light? I came to the conclusion that this was a hard lesson to learn but she is probably the safest teenage driver on the road as she does not think she knows it all/can do it all/is invincible.

I think if the damage/injuries are as bad as you are saying your daughter was probably driving a bit fast, maybe within legal limits but possibly not within sensible limits given road conditions, I mean she could see car ahead waiting to turn right so should have considered it might pull out in front of her (I know it shouldn't but nothing wrong with a bit of defensive driving.)

If its any comfort the effects on my daughters renewal wasn't nearly as bad as people are suggesting.

I originally felt we should fight (the other driver was claiming injuries but he hadn't even been wearing his seat belt) however, we didn't and I think it was better to move on.

You and I are lucky, lots of parents of teenage novice drivers face worse.

Good luck

dieselhead

MrsE wrote: »

Yeah, its the insurance premiums I'm worried about, thats why I posted.

I think a lot will depend upon whether she is deemed to have any fault in the matter. However I would suspect that even if she is deemed to have no fault she may still have a slightly higher premium that she would have done.

MrsE_2

mumps wrote: »

Just thought I would give you some information from when my DD had an accident.
1. Passplus didn't help with her insurance, as she had a claim company said they would not consider Passplus.
2. I think you, like me, have to accept that whilst the other driver may have been at fault but our daughters inexperience was almost certainly a factor. I know how you are feeling at the moment but can I suggest you try to look at this in a more positive light? I came to the conclusion that this was a hard lesson to learn but she is probably the safest teenage driver on the road as she does not think she knows it all/can do it all/is invincible.

I think if the damage/injuries are as bad as you are saying your daughter was probably driving a bit fast, maybe within legal limits but possibly not within sensible limits given road conditions, I mean she could see car ahead waiting to turn right so should have considered it might pull out in front of her (I know it shouldn't but nothing wrong with a bit of defensive driving.)

If its any comfort the effects on my daughters renewal wasn't nearly as bad as people are suggesting.

I originally felt we should fight (the other driver was claiming injuries but he hadn't even been wearing his seat belt) however, we didn't and I think it was better to move on.

You and I are lucky, lots of parents of teenage novice drivers face worse.

Good luck

Agree totally, thank you.

I agree that more "defensive" driving might well have prevented it (I always try & drive like everyone else could do anything at any time), that doesn't excuse that you can pull across main roads to turn right without giving way.
Had the lady obeyed the rules of the road, it would never have happened.

mumps

No but the important thing is that they survive. Anyway just to reiterate the insurance costs weren't as badly affected as we feared. I hope she is well enough for work, I think getting back to normal is probably the best thing. My daughter was about to take her A level exams so couldn't take anytime off and I think it was the best thing for her.

MrsE_2

dmg24 wrote: »

Sorry MrsE, but from reading some of your previous posts, I have to say that is the pot calling the kettle black! I do hope that your daughter is ok, but you must see the reason why most of the comments are of a negative nature?

That poster drove into stationary car.

They asked was the insurance likely to find against them, to suggest anything other than yes would have been folly.

The other driver (in ballandchains case) was prevented from turning fully into a road they were turning into by another car, but it could have been any obstruction.
Ballandchain drove into them - while they were stationary.
Sometimes you have to pull into a road you cannot see into & all you can do is creep in, if you are prevented from pulling in by a car/child/pedestrain/wheelchair/old lady etc, then you have to wait, that does not mean cars coming down the road can plough into you.

This is a little different from turning right across on coming traffic without giving way.

BallandChain

No MrsE I was driving straight on just like your DD, I wasn't turning. The other driver drove across my path so she could turn into a side road.

LucyTheDwarf

When renewing your insurance, many of them allow you to enter accidents as "at fault" or "not at fault". I don't know how much difference it makes to the premium, but I'd like to think they take it into account! Reading your DD's case, it would be very difficult for the insurance company to decide who was at fault, without an independent witness, and I'm afraid her lack of driving experience will probably stand against her.

I have an accident on mine for the next 5 years. I returned to my car after work one night to find the front half smashed up. Someone had hit me while my car was parked, and didn't leave any contact details. I lost 3 years no claims bonus, £350 excess, and my renewal premium increased by about £300.

C'est la vie.

MaximumImpact

Mrs E

I think the problem is that you've come on here to ask about a collision to which you weren't a witness to and aren't involved in. We can all appreciate that as it was your daughter involved that you will believe what she has told you but, and it's a big but, there are 2 sides to every story and I expect somewhere on another forum, somewhere in the big wide internet is the other party to this equally miffed and claiming that your daughter is at fault.

Noone on this forum is qualified to give a decision on who's at fault as noone was there and saw the entire incident. We can all give opinion but as you know, opinion counts for nothing. You could ask 100 different people about this and you'd probably get 100 varying answers.

Some people are getting a little personal and I think that this has detracted from what has been asked by you. I also think you need to be aware that sometimes you do come over a little brash and high opinionated and some people will use this as an opportunity to shoot you down. But then again we all hide behind a keyboard sometimes and noones perfect.

My own opinion is that as your daughter is old enough to drive, she needs to sort this herself via her legal aid and insurance company.

I hope your daughter recovers soon and takes on board this incident and uses it as an experience to help her continually improve her driving.

MI

MrsE_2

MaximumImpact wrote: »

Mrs E

I think the problem is that you've come on here to ask about a collision to which you weren't a witness to and aren't involved in. We can all appreciate that as it was your daughter involved that you will believe what she has told you but, and it's a big but, there are 2 sides to every story and I expect somewhere on another forum, somewhere in the big wide internet is the other party to this equally miffed and claiming that your daughter is at fault.

Noone on this forum is qualified to give a decision on who's at fault as noone was there and saw the entire incident. We can all give opinion but as you know, opinion counts for nothing. You could ask 100 different people about this and you'd probably get 100 varying answers.

Some people are getting a little personal and I think that this has detracted from what has been asked by you. I also think you need to be aware that sometimes you do come over a little brash and high opinionated and some people will use this as an opportunity to shoot you down. But then again we all hide behind a keyboard sometimes and noones perfect.

My own opinion is that as your daughter is old enough to drive, she needs to sort this herself via her legal aid and insurance company.

I hope your daughter recovers soon and takes on board this incident and uses it as an experience to help her continually improve her driving.

MI

I am confident that the insurance will find in my DDs favour, I was actually asking assuming that, what are the ins & outs of that to her insurance.

Yes I have been sharp with some nasty posters, if you want to see a lioness react you threaten her cubs;)

I am more distraught over this happening to my DD than had it happened to me, thats a mothers way.

Chippy_Minton_2

MrsE wrote: »

I am confident that the insurance will find in my DDs favour.

Other member aren't.:p