got hit my a car from the right in a roundabout

Wig

You will most likely lose your £600.

And if you tell your own insurer your premium will probably go up. Though as it was not an incident involving your insured car, I don't see any strict need to tell your insurer, not one that you would be expected to know about anyway.


Was it a hire car in relation to your personal insurance i.e whilst geting your car repaired by your insurer. Is there any reason to think your current insurer knows about this hire car?

londonTiger

i dont have my own car, i wanted to get some experience behind the wheel and to see if I really wanted to drive for lesuire, been thinking of driving for a while, but so many people i know had cars and sold them because it was a headache to deal with everything.

I know that when you apply for insurance some ask whether they have been involved in an accident before in the last 5 years, its important to disclose that because if you lie on your application and end up needing to make a big claim, they'll use these failure to disclosure to shaft you and refuse to pay.

There werent any witnesses, i wasnt realling thinking, i guess if i was more experienced I would have gone to the supermarket petrol pump and asked around.

But for the minor accident the insurance companies arent going to fight it.

Norman_Castle

I know that when you apply for insurance some ask whether they have been involved in an accident before in the last 5 years, its important to disclose that because if you lie on your application and end up needing to make a big claim, they'll use these failure to disclosure to shaft you and refuse to pay.

An insurer refusing to settle a claim due to your dishonesty on an application form is not being "shafted"

From the highway code, Penalties.
Failure to have proper control of vehicle or full view of the road and traffic ahead, or using a hand-held mobile phone while driving. £1000 fine and possible points.

If you intend to continue driving, please take your responsibilities seriously.

Road_Hog

Wig wrote: »

OP,

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.

Really? Were you there or do just have extra sensory powers of perception?

One thing is for sure, if the driver had not pulled out, it definitely wouldn't have happened.

silvercar

I had almost identical situation and I won in court.

I was on roundabout and someone entered from previous junction and hit me.

They claimed that I entered the roundabout without giving way to them.
I said I was already on the roundabout but had to stop due to a build up of traffic, they claimed I entered before them without seeing them enter the roundabout and should have given them RoW.

sharnad

its your fault they were going around a round about they might have looked in front of them briefly and then looked right - you pulled out when you shouldnt even if they saw you they may not have been able to brake in time - they will probably claim off your insurance and you will have to pay the excess

rdr

londonTiger wrote: »

The reason why I ended up in this pickle was I am 6'2 and driving a compact car. My view is very badly limited inside the car.. if fact when I drive I can't see the pedestrians standing by the zebra crossing in full (only their legs) because of the rear view mirror.

(So the sun shield is dangerous to put up because I can only see 10 metres in front of me with it on).

I have this problem in some cars so the first thing I do when considering a car is check I fit the driving position and can see out. If I can't the car is off the list. My wife is not allowed to use the sun visor for this reason.

If is your responsibility not to drive the car if your vision is dangerously limited. Moving your head or upper body around can help you see into these blind spots.

prosaver

i was told if a car hit you from behind its there fault as you should always drive with siutable stopping speed ?

Lum

prosaver wrote: »

i was told if a car hit you from behind its there fault as you should always drive with siutable stopping speed ?

They wern't hit from behind, they were hit from the side after the OP pulled in front of them.

The situation you are describing is when it's just a queue of traffic on a normal road.


Since it's a hire car there isn't really much the OP can do, if it were their own car they could offer to pay the other person's repair to avoid insurance, and then pay for their own repairs, but with a hire car it's going to have to go through insurance.

fivetide

Sound slike you've been given the worst possible experience OP. This is why insurance premiums are loaded for inexperienced drivers. You've learny some harsh lessons:

1. Get a car that suits you
2. Judging speed and direction isn't clear cut
3. Don't think "i'll just put my foot down" if you are driving a car that is powered by a hairdryer, even then, a big car might have spun the tyres or come to halt as the traction control kicked in

Hope it gets sorted and you learn from this. The bill you shouldn't have to worry about as it is with the hire company but yes, you'd need to declare the fact you've had a smash if you go for your own insurance in the future.

5t.