Motability car accident

maxfactor_3

This morning while completely stopped at the lights a white van man in his company,s van went smack bank into the back of us.

I,d just taken the handbrake off and one second later I would have driven off!.

Im still in shock and so is my 17 year old daughter.
We,ve been to hospital and we both have whiplash and now it just feels like the roads a jungle.

I,d only had the car a month and had just got used to it.

The other driver like all the other drivers on the road must think because Im in a brand new 60 car Im a high powered rich business person I get the feeling they expect me to drive around fast!

Like pull away from the lights fast!

My dilema is this I rang RSA insurance and they said I would have to speak to the legal dept on Monday.

The guy seemed to get a bit off with me when I said could I use a local solicitor he said things can go wrong !

RSA I have legal cover where can the problem be,Im sure they cover you for uninsured losses too.

We both are in a lot of pain and upset and why would we want a distant solicitor when they is one round the corner ?.

We are taking Ibuprofen at the moment and it has been difficult totry and cheer my daughter up and with my disability I,ve just got the dog and the lap top Im afraid as every one carries on with their own duties so thanks in advance,I feel quite uneasy about dealing with an out of town solicitor or would it be advantageous?

Thanks

andygb

If you have legal cover through your own insurance (RSA), then why would you want to go to another solicitor? As you have been hit from behind, then I assume that they will admit liability, at which point your insurance company can start to get the ball rolling, with regard to repairs on your car, and more importantly, have your injuries assessed with regard to a claim.
If you go to an independent solicitor, then you may have to pay money up front, and there could be problems claiming it all back at the end of the case.
Keep life simple when possible, in this case contact your insurers legal department first thing Monday.
Meanwhile stay in the warm and take the painkillers.

Andy

MrRedundant

Or maybe the guy just thought someone who was mentioning solicitors seconds after a low speed accident was at it; especially when the person had been extremely hesitant off the lights.

Two sides to every story. I'm not quite sure what the motability relevance even is?

MX5huggy

Of course he said that they have a vested interest in you using there solicitors they often get commission. I believe that if you try some solicitors will even pay you for the case.

He is right local solicitor could be an utter nightmare, do you know this one? have any experience of the service offered.

Hintza

I think I would be taking a few days to see how I feel instead of chasing compo within hours of an accident. :mad:

Nilrem

iamana1ias wrote: »

How does it take a month to get used to a car?! It should take an hour *maximum*!!

If you weren't confident in driving the car you shouldn't have been out in it.
.

That depends entirely on what you've been driving an how long you've been driving.

You can get "used to" (as in safe) driving a car quite quickly, but that's into the same as "used to" as in "comfortable" with driving it.

It took me several weeks to get used to a petrol after i'd been driving a diesel exclusively for several years, likewise it can take a while to get used to the fact that the driving position is different from one car to the next and exactly where the front/back are in relation to your sitting position (again not a safety problem, but until you get fully used to it parking may not be as good as normal, with too much gap at the front/back when in a bay).

My sister learned in a Corsa, her first car was a Punto, she hated our car as it felt too low and too large for her, it took her a lot more than an hour to get used to it.

Even professional drivers tend to take a while to "get used to" a new vehicle of a different model to what they've been driving, something to do with minor things like different handling characteristics, engine sizes, gear ratios, view, controls being in slightly different places*, different gear positions, and different ways to change gears (IE do you need to push the stick down for reverse, lift a bit of it, push a button, or is it just the same as for the forward gears?)


Having said all that, given the op was hit from behind at traffic lights, his level of comfort (and how long he took to reach it) is a totally moot point, as unless he put it in reverse it's the guy behind him who should have been watching what he was doing.


*Heck with some cars the indicators are on the left of the wheel, on others it's on the right...And that's a very basic control that most people operate largely out of instinct (so can take some time to stop having to remember the change, and for it to become instinct/habit on the other side)

maxfactor_3

Im an anxiety sufferer and nervous as it is,yes your right.thanks if you,ve been constructive Im absolutely shocked at some of the nit picking I came on the site for help but a few negative people make horrible comments.
Im used to driving bog standard car but this is like a big 4 x 4 Its high of the road and I was used to it after a couple of days but it takes a few weeks to become natural.

I was at the lights it had just changed to green,he went in to the back of me his fault,im not at court and Im not answering any similar comments.from any bullies.

lol If any one who actually knows from mobility insurance why is it different from any other insurance company.
My local solicitor is a trusted solicitor in the community.

Oh those people who told me to get on with it hope the same apply,s to you in the event of an accident especially if you are disabled.

maxfactor_3

MrRedundant no wonder
Learn to read properly
I didnt say that to the guy I was in the accident with I said it to the insurance company.
I think this sight has becomes haven for trolls and idiots,why did I even bother.

I consider most of the comments abuse.
Iam shaking in shock worse now.

In the rules I had to let RSA know straight away it was them who mentioned personal injury claim to me and they will be sending me the paper work forewith.

Yorkie1

Maxfactor, I can imagine that you are feeling especially vulnerable after this accident and I agree with you that sometimes posts can be unnecessarily harsh and feel like a personal attack.

As the thread is exacerbating your anxiety and making you more upset, can I suggest that you try to put the thread to one side for the rest of today and try to concentrate on relaxing and staying warm (tension and cold will make your muscles and thus whiplash more painful).

If you feel up to it tomorrow, dig out your insurance documents. They may tell you whether you have a right to instruct a solicitor at your insurer's expense other than the one which would be your insurer's first choice. They may have a panel of solicitors from which you can choose, or they may not. You will probably be bound by the T&Cs of your insurance contract - it's what you signed up to when you took out their insurance.

Again I can understand that you might want a local solicitor who is trusted in the local community, but see it from your insurance company's point of view. They have solicitors who they work with day in, day out; who do nothing except car insurance claims so have daily expertise; who are familiar with the insurer's practices; communication may be quicker than with an external solicitor who has many other clients. There is absolutely no guarantee that the service you will receive will be poorer in-house.

Nobody knows at the moment how often you will actually need to meet the solicitor and how far you will need to travel to do so if the insurer's solicitor is instructed. Your doctor and medical evidence will be collected locally to you, which is far more important. You will need to marshal your arguments for your insurer using a local solicitor, and be prepared to make a decision as to whether you are prepared to instruct them independently at your own cost if you do not get your own way over this.

As an outsider I think that your fears are groundless but I accept that that is what you are worried about.

I hope this post doesn't come across as patronising in any way, I'm just trying to suggest ways in which you can get yourself and your daughter through the next day or two until you can speak to the insurers with hopefully a more collected line of thought.

Good luck and I hope the whiplash isn't too bad.

maxfactor_3

Thanks Yorkie1
So nice for your constructive comments and explaining this to me.

Puts some faith back into the world I do feel particularly vulnerable so its not nice to read some negative comments so your right.
I,ll put the laptop away.
He offered stronger pain killers but then I wouldnt have been able to drive home and the pain is getting worse so maybe a visit to get something stronger may be worth while.Thanks again.And I hope you nice people who have helped me have a lovely weekend

maxfactor_3

Just before I go,I wanted to mention how having a brand new car ruffles feathers on certain people.
People expect me to drive fast,I never had this trouble in my 02 car.
Because its new people treat me differently always trying to overtake me,I always drive at the speed limit.
Its a hire car from motability
Last week I got a note under the windscreen from someone calling me a sware word.
Having a new car gives out a certain thing to some people I dont know why I have no money and a council house but its a funny old world.
Goodnight sleeptight