First Ever Accident - What will happen?

atrixblue.-MFR-.

sebdangerfield wrote: »

A lighting offence.

The discussion about what constitutes a crime has gone one for ever, it differs as to whether you view it from a legal or normative perspective. The home office crime recording guidlines which obviously apply to the legal side of this argument stipulate this is a mere lighting offence punishable by a low level fine or none endorsable fixed penalty notice and, as a result not a crime.

i agree its a minor moveing traffic violationin wich most officers deal with it buy issueing a hort one with a form to have the brake lights done at a garage and stamped reciept to prove it at staion when producing. if it were a criminal offence and then reported to cps then dealt with then you would have a criminal record for a minor offence such as a break light out. on another note if the geeza had no brake lights he may not of known about it beit said he had electrical probs with his 09 focus his brake light switch under brake pedal may not be as sensitive or he crawled to a stop useing the engine as a brake. you said you borrowed your partners car because your were damaged i assume you are fully comp on your car with abilty to use another vehicle with permision, if so check your policy as you may only have third party only level insurance on a borrowed car and thus you hitting car infront will only pay for his damaged car and not the damage to the front of your partners car, the guy who hit you behind his insurers will pay for the rear damage, wich might leave you with a dilemma of having a car with front end damage to get repaired by yourself.
may be a good thing the police didnt come out you would of been breatholized (mandatory in accidents),given a hort 1 producer, and if you had a coppa in a mood could of charged you with driving without duecare and attention and this brings a heafty fine possible ban or fixed penalty and does go on a criminal record and shoots up any insurance quote for five years whilst on your liscence and record. the police would of also discounted any break light out because you hit him in the rear and could of popped the bulbs with collision shock even though you had witnesses, to wich your whitnesses are going to tell your insurance that you did infact hit the person infront of you. i'm affraid yes is your fault but dont fret over it at least you only have to declair it to insurance for three years and not five!

EssexHebridean

scotsman4th wrote: »

Is it not better to ask your insurance company what they paid out?

No real reason why it would be better. The garage that did the repairs on my car were quite happy to provide the costs on both occasions and as it was only my vehicle that was damaged (40' artic tractor units tend to come off better when faced with a Clio for some reason!) there were no other costs involved. Having dealt with insurance companies I can't think why they would be any keener to provide information of that type than to actually get off their backsides and sort out claims, so my guess would be that the time to renew your insurance would have come and gone without them coming close to giving you a total!

dacouch wrote: »

Whether the person in front is insured or not, it makes no difference to whether he can claim against you or not and has no effect on the amount he can claim from you. Basically if your at fault in an accident you are liable whether they have insurance or not

I didn't say it made a difference, I said that it may well put him off making a claim if it might then come to light that he wasn't insured, himself.

Rolandtheroadie

EssexHebridean wrote: »

No real reason why it would be better. The garage that did the repairs on my car were quite happy to provide the costs on both occasions and as it was only my vehicle that was damaged (40' artic tractor units tend to come off better when faced with a Clio for some reason!) there were no other costs involved. Having dealt with insurance companies I can't think why they would be any keener to provide information of that type than to actually get off their backsides and sort out claims, so my guess would be that the time to renew your insurance would have come and gone without them coming close to giving you a total!

The OP rear ended someone. There could be whiplash claims, loss of use claims, different percentages against different insurers, blame apportioned. Surely a garage wont have all that info to hand?

Chippy_Minton_2

Quentin wrote: »

So what would you call it then?

Of course it is a criminal offence!

No it's not.:rolleyes: