Car accident today - I don't understand!

Eric_Pisch

he was very lucky it was you and that you had braked

i would have accelerated Darwinian theory at work, let the stupid remove themselves from the gene pool

oh wait you cant say that in this namby pamby left wing police state any more, no one is responsible for there own actions any more, unless you have a car...

you did the right things, you slowed, you called the police :T

me personally I would not contact them and ask if they want to make a claim, why give them the idea that they could.

PandorasJar

I find it strange that the child could claim anything here. In the past my insurance company has wholly taken the police statement, indeed they wouldn't go forwards without it, but never contacted the other parties involved? Also my oh's mum had an accident about a month back, deemed entirely the other parties fault, but the insurance company used the police statement again, not the other parties? The only way the 'victim' would contest would be in court separately?

If anything, if it went to a civil court, the op should claim compensation for distress caused because of the accident and also because of the repercussions of being worried about what the student and his friends might do at school etc.

Then it would entirely come down to the court ruling. And one jury may decide you are entirely at fault, another the boy and a third both... it's not something you can guess.

At the end of the day I expect that if anything comes from it, it will be for money for the family if anything comes about... so it's dependent on the type of family.

I'd contact insurer regarding the police statement and make sure you have it if it goes to court, also if you know any witnesses/shop staff who may have seen the incident, make sure they're known about if it comes to that.

Until then, don't worry about it, no-one can predict what will happen definitively and there's no point to working yourself up... just be prepared for if anything happens.

As to the teaching thing, I think that it's a case of having it on record for if any incidents occur as a result of it, but that's all, the school should be aware, but not need to do anything.

Sorry I've doubled up most things!

P

jackieblack

I may be wrong (I often am ), but I've always been under the impression that if an ambulance is called to a road accident, there is a 'fee' for the ambulance attendance charged/claimed from the insurers for the cost of the call-out (I may not have explained that very well ).
Can't remember where I heard that from though.

If this is right, and as there was only one vehicle and a pedestrian involved, I assume it will be the OP's insurers that are contacted.
Would a claim of this kind cause the OP to lose her NCB, similar to a third party claim against her?

PandorasJar

jackieblack wrote: »

I may be wrong (I often am ), but I've always been under the impression that if an ambulance is called to a road accident, there is a 'fee' for the ambulance attendance charged/claimed from the insurers for the cost of the call-out (I may not have explained that very well ).
Can't remember where I heard that from though.

If this is right, and as there was only one vehicle and a pedestrian involved, I assume it will be the OP's insurers that are contacted.
Would a claim of this kind cause the OP to lose her NCB, similar to a third party claim against her?

I've never known this? Unless you're in the US, they charge there.
I've been taken by ambulance from one bad write off and we were the cause of the accident (though deemed not at fault) and nothing came from it?
If you call them as a prank I can understand that you are charged for wasting time... but I would think that if this were the case in normal situations people would be reluctant to call them and we pay them through taxes? If someone is injured, that's what they are being called out for
(Sorry if this is a US question!)

P

sarahg1969

If a hospital visit is necessary, then, yes, the insurers of the faulty party are sent a bill, through the Compensation Recovery Unit.

geri1965_2

I think with a motor claim, the insurers have to settle the NHS charges regardless of fault (unlike with an Employers or Public Liability in which case fault has to be established before an insurer has to pay it).

Willing to be corrected if I am wrong.

I don't know if it will affect any NCD.

sequence

Eric_Pisch wrote: »

oh wait you cant say that in this namby pamby left wing police state any more, no one is responsible for there own actions any more, unless you have a car...

you did the right things, you slowed, you called the police :T

me personally I would not contact them and ask if they want to make a claim, why give them the idea that they could.

But don't forget the roads are built for people not cars (though you wouldn't think that these days)! Regardless of other people stupidity you have a duty of care.....

Eric_Pisch

sequence wrote: »

But don't forget the roads are built for people not cars (though you wouldn't think that these days)! Regardless of other people stupidity you have a duty of care.....

we need to bring the Indian system in, Might has right, if you get squished by something bigger than you its your fault. Works for ships as well.

DaveMacD

Eric_Pisch wrote: »

we need to bring the Indian system in, Might has right, if you get squished by something bigger than you its your fault.

Would make things interesting

Works for ships as well.

Technically not. Those with power give way to anything using sail, regardless of size.

mikey72

DaveMacD wrote: »

Would make things interesting

Technically not. Those with power give way to anything using sail, regardless of size.

Technically true, reality is several miles later the supertanker will turn or stop, but the lifeboats pick up the sail crew.