Crash - Hit traffic lights

jdmboy

Hey guys, unfortunately a few days ago i crashed into some traffic lights avoiding some sort of animal (either cat or fox, i presume - as it was dark didnt see what it was as it ran out infront of me!) wasn't speeding....Police turned up, breathalysed me, checked my insurance etc etc.


The car is now with me and the insurance have opened the case, but what happens to the traffic lights? I take it the insurance company will pay? Roughly how much do they cost? I'm fully comp and been driving for 2+ years i had, i say had...2 years NCB, do i loose both or just 1?

Any advice appreciated guys!

Thanks.

Bob_the_Saver

jdmboy wrote: »

Hey guys, unfortunately a few days ago i crashed into some traffic lights avoiding some sort of animal (either cat or fox, i presume - as it was dark didnt see what it was as it ran out infront of me!) wasn't speeding....Police turned up, breathalysed me, checked my insurance etc etc.


The car is now with me and the insurance have opened the case, but what happens to the traffic lights? I take it the insurance company will pay? Roughly how much do they cost? I'm fully comp and been driving for 2+ years i had, i say had...2 years NCB, do i loose both or just 1?

Any advice appreciated guys!

Thanks.

Yep, One piece of advice, don't swerve for anything smaller than a child, plenty more cats (or foxes) where that one came from.

dacouch

At some point you will receive a bill for the traffic lights which will be thousands of pounds, pass this onto your Insurers to deal with.

It is a good idea to photocopy the letter and send it recorded delivery just in case it becomes lost

jdmboy

Bob_the_Saver wrote: »

Yep, One piece of advice, don't swerve for anything smaller than a child, plenty more cats (or foxes) where that one came from.

tell me about it, i'm gutted....SkyHigh insurance for me for atleast 3 years now!

So do you know what happens, with regards to the traffic light/my NCBs?

adamc260

The insurance company pay out for the traffic lights if they're damaged, unsure on cost, if your insurer pays anything out you lose 2 years NCB and whatever you would of been earning this year (so say your renewal is in 1 month time and your just about to get your 3rd years NCD, thats gone too!)

If you reimburse your insurer for their costs though they'll give you your NCB back

Bob_the_Saver

I don't suppose you could fit these and hope nobody noticed anything?

http://cgi.ebay.co.uk/2x-old-traffic-lights-signals-require-restoration-/190423342236?cmd=ViewItem&pt=UK_BOI_ProtectiveGear_RL&hash=item2c561d9

newbie007_2

Traffic will get repaired out of your insurer's expense, you will probably lose the 2 years ncd you had. Best speak to your insurer to find out about the ncd for sure (can check policy booklet)

geri1965_2

I dealt with a claim for a lamppost once (a van collided with it).

Cost of one lamppost was £55,000!

flyingscotno1

The cost of repairing traffic signals can be astronomical. My Dad had an accident at traffic lights- was hit on the side an shunted into lights a number of years back. The police turned up, and didn't believe their story that they both hadn't run a red light until there was another near miss at the junction and they turned them off.

The light was still operation (hadn't snapped like the new ones), but sat at a dodgy angle of weeks whilst as far as I am aware everyone argued the toss!

Last person I knew that ran into a sign, was sent a letter for £2k from Glasgow Council.

cwcw

Bob_the_Saver wrote: »

Yep, One piece of advice, don't swerve for anything smaller than a child, plenty more cats (or foxes) where that one came from.

Yes indeed... what value the life of a living being when compared to losing a year's ncb?

Mojisola

Bob_the_Saver wrote: »

Yep, One piece of advice, don't swerve for anything smaller than a child, plenty more cats (or foxes) where that one came from.

In an emergency situation, your body often reacts before your decision-making facilities. It happens so quickly that you have reacted and swerved before you realise exactly what has run out in front of you.