Had a prang, who is responsible?

photome

In a car park, I would think insurers would go 50/50 but IMO the reversing car would normally be at fault

Quentin

htrj wrote: »

.... said she'd pay for the whole repair. Amazingly, this was also refused with the other party insisting that they went through the insurers......

If your Mum still wants to pay up (to preserve her NCD) then she will be able to reimburse her insurer any costs they pay out over this, and have her NCD reinstated.

htrj

Blimey,i didnt realise this sight could be so effective. 12 responses in as many hours.

Whats happened now is that the other party has contacted their insurer so, call me a synic, but I guess it is all logged on the system and all insurers will now know about what happened and who was involved. Am i right or does more have to be done before the incident is recorded like that?

I do agree that regardless of who stopped when and where mums likely to get the blame as she didnt stop at all. Any ideas how much her premiums are likely to increase? If she loses 2 years NCB as wig suggests she will still have about 38 years under her belt. The damage to the other car will likely cost 200 quid through a privateer or 500 through one of the bigger bodyshops. Her insurance was 320 last year fully comp.

scheming_gypsy

She'll only have 38 if that's how her insurer works. Some offer a maximum of 5/ 6 / 7 years, so the two years will come off that.

BorisBebo

scheming_gypsy wrote: »

they're probably sitting in A&E saying oooh and eeeee while thinking about their whiplash claim. If they'd settled up with your mum and not gone through the insurance they might not have been able to go for a personal injury claim.

This whiplash thing is getting to me. Brother in law got scammed like that and his promiums shot up.

I've been googling for evidence, posted one just now here where soemone had to pay back £80,000 of fraudulent claim.

But then I read another page, that says even the guy tied to claim whiplash damages for his mother was not in the car anyhow - the rest of his claim for him and his wife will stand. What kind of justice is that? :mad:

It's on a legal site called www cfs-law com
and the page is:
FraudinAssociatedRTAClaimNoBartoRecovery.html

DaveF327

htrj wrote: »

I do agree that regardless of who stopped when and where mums likely to get the blame as she didnt stop at all.

We still don't know who was where. Was your mum reversing into or out of a parking space? The other driver "pulled in", but to where? Another space? The same space? A place another driver would reasonably be expected to be? There are so many variables. In a non-uniform location like a private car park, a diagram really would help.

The question of blame would really depend on what would be reasonable to a careful and competent driver in a given situation, as well as the visibility to both parties prior to and at the time of the collision.