got hit my a car from the right in a roundabout

welshgirl_michelle

Tigger123 wrote: »

For those reasons alone you deserve everything that is coming to you. I hope it costs you dearly.

There's no need to be like that .. The person has come on here for advice (they've said their at fault) No need for you to be so mean

welshgirl_michelle

Road_Hog wrote: »

Some are being a bit sharp here. However, it's your fault, you shouldn't have pulled out and quite frankly (and I'm a fast confident driver, not a slow coach) I'm fed up with people these days who think it's okay to just pull out in front of people and expect them to have to brake. Especially the ones that manage to zip out from a side road fast enough but then make to effort to keep their foot to the floor.

The other driver was quite rightly looking at where she was going to exit, not looking at pulling out in front of her. As has been said, the driver on the roundabout has priority and for a good reason.

Just stick it through the insurance, you may as well have your car repaired (assuming fully comp) at the same time, because you're going to lose any NCB anyway.

yes i agree when u said some are being too harsh .. unless they've got protected NCB they wont loose them

Tigger123

There's no need to be like that .. The person has come on here for advice (they've said their at fault) No need for you to be so mean

Welshgirl you are kidding about being mean aren't you? You think I am being mean when he knocks down a child at a zebra crossing because as he said

My view is very badly limited inside the car..

.


I repeat, he deserves everything that is coming to him.

Unbelievable.

victor2

As most have said, just let your insurance company handle it - and get your car repaired through them as well if you have fully comp cover. Your insurers will also handle any additional claims from the third party for whiplash etc.
Your premium will increase upon renewal. If you have protected NCD, then it will increase by a little less, but expect it to go up markedly anyway.

Worth considering if your car is suitable for someone of your stature and if it isn't, look for one that is. You've accepted the blame, but consider what you can do to reduce the possibility of the same problem arising.

Wig

OP,

You have shown yourself to be able to ignore most of the Asshat posters on here, but I just wanted to say that we are not all like that here.

In fact the other driver was partly to blame, because as you say, they were not looking where they were going, had they been looking, the accident would not have happened. In an ideal world they would take some blame. However all you can do is say what happened and point out that after you had pulled out, you could see the driver to your right was not looking ahead until it was too late. More than likely the other driver will not be honest in their statement. In an ideal world you might hope for a 70:30 - 80:20 blame ratio but will probabaly end up with a 100:0 ratio because your insurer is not going to be bothered to challenge it.


If you have a nice no claims record you want to keep and you think paying this guy out for their repairs is financially worth your while then you should contact them ASAP to try to get it done without going through insurers. You could offer to pay them for full repair costs at a repairer you know will be cheap.... You could offer to buy their car from them, you repair it and sell it on. You could ask "what they want from you" and see if you agree.

If you do decide to settle outside insurers agree with them that it is in both your interests not to claim through the insurers because that will put both of your premiums up next year. Many people out there are stupid and wil not believe this until they get their renewal notice on the doorstep and then they will start moaning about how they were not at fault and yet now their premium has increased. Then it might dawn on them that the best course of action to take was probably to agree not to claim through insurers and to deal with it amicably.

If you do manage to persuade them then you need to cover yourself, write out an agreement two copies and both parties to sign each copy something like this...and keep it for at least 6 years.

Mrs XX being the registered keeper and driver of vehicle REG being a Year/make/model accepts the sum of £xxx in full and final payment for all damages resulting from the accident on XX/XX/XXXX at XX:XXam at roundabout between XXXXX Road and XXXXX Road in TownXXXXX with vehicle REG being a Year/make/model being driven by Mr VVVV

Mr VVVV accepts no liability for the accident. This payment is an ex gratia payment.
Mr VVVV and MRS XXX Both agree to make no further claims against each other for damages of any description in relation to this accident.

If required add
Upon payment above being recieved by Mrs xxx the vehicle REG make model year to become the property of Mr VVVV (I would also then write another seperate transfer of vehilcle ownership reciept)

£xxx
Recieved by Mrs XXX signature
Paid by Mr VVV signature

I did this myself many years ago a similar note was written and signed. We all agreed to settle in full. A few months later I got a letter from his insurers asking me to pay up or provide my insurance details. The dozy twonk had only gone to his insurers and made a claim stating exactly what had happened but failing to tell them he had already settled with me. I sent his insurers a copy of our agreement and heard nothing further from them. Had he made a claim and said he had hit a tree he would have had a payout from his insurer, but because he named me, he got nothing from them (I presume).

Disclaimer:
I am not a lawyer do not take anything I say as legal advice. Seek professional legal advice.
** You should always tell your insurers if you have an accident that does not mean you have to claim through them, but, telling them and not claiming through them will still likely increase your premium next year.

SHIPSHAPE

property.advert wrote: »

If you'd hit me, I'd hire a car, give you or your insurers the bill, get mine fixed at your expense and bill you for my time.

Think you would have a wee struggle claiming for lost time because of an accident, especially such a minor one.

Have you any idea of the rigormaroll of doing so?

SHIPSHAPE

ariba10 wrote: »

The vehicle on the roundabout has priority.

One can always contest fault despite the above.

One may not be able to avoid a car speeding at a roundabout, for example, especially if that speeder has their eye off the road in front of them as described here.

londonTiger

hi, i should add that the incident took place jus outside a supermarket car park, they may have a 10mph speed limit, if that was the case then the accident should not have happened.

I was with in a hire car, i have 600 quid excess on it,

my main concern is whether the it will affect my personal insurance at all.

property.advert

SHIPSHAPE wrote: »

Think you would have a wee struggle claiming for lost time because of an accident, especially such a minor one.

Have you any idea of the rigormaroll of doing so?

I send you a bill. If you (or your insurers) don't pay (and remember the liability is yours, not your insurers), I simply issue proceedings against you in the small claims court.

At this point, most sensible people and companies do a risk assessment and realise that calling my bluff was ill advised. An offer quickly follows or your potential liability sky rockets.

I won't rip you off for non existent whiplash but you will pay me for my lost time.

victor2

londonTiger wrote: »

hi, i should add that the incident took place jus outside a supermarket car park, they may have a 10mph speed limit, if that was the case then the accident should not have happened.

I was with in a hire car, i have 600 quid excess on it,

my main concern is whether the it will affect my personal insurance at all.

Was the speed limit in effect at the roundabout and did you get any witness details?
If the hire car was covered by your own policy then it will show as a claim against it. If not, get proper legal advice, as I would have thought your NCD would remain intact as you're not claiming, but the law is often a law unto itself.