Just had a crash, who's fault is it? Need advice please

Sgt_Pepper_2

TrueUnitedFan wrote: »

Not my fault. I put my voluntary excess as 350 if insurance dexide in my favour do i still have to pay this. Also my potential NCB what will happen to this? Thanks

You lose everything when they find against you.

And they will.

neilmcl

TrueUnitedFan wrote: »

Are u on crack? As i came up to the roundabout i was in the 2 of three lanes. I stayed in that lane. My exit also had two lanes. I indicated to come off the roundabout whilst staying in my lane.

She was in 1st lane she indicated right a couple of yards before my exit bviously looking to take 3rd or 4th exit. She should of been in the 2nd or 3rd lane for this.

Noobend.

Can you give us a google maps link of the roundabout in question?

sarahg1969

dggar wrote: »

It's about time for you to post a google earth reference for where it happened.
was there any cctv?
If so you the points you'll get together with the 6 points from your Red light/speeding incident will be enough to get you banned.

Hasn't he just passed his test? Not a ban then, but revocation of his licence.

atrixblue.-MFR-.

in a situation like this normally you pay the excess to have your car assessed before any liability is saught by the insurers. then once liability is established its either kept or refunded if found not at fault.

your premiums will rise regardless of fault.

i hope you declaired that there a possible pending points coming your way, if not uh oh insurance void!.

tripled

In answer to your question, if the insurance company finds in your favour, then all the costs are claimed off the other party and you do not have to pay the excess. If you are found liable, the insurer will pay out the third party. The excess only applies to your own claim, so if you are deemed to be at fault then they will knock the excess off your award to repair the damage.

Sounds to me that the other driver was at fault based on your description although the fact you didn't try to avoid the accident might make it less clear cut, not sure if they would still award you not at fault or go 50:50.

arcon5

somersethillbilly wrote: »

Yes it is, it's called "awareness".

Also 'anticipating the road ahead'

BobQ

OP,

Difficult to comment without seeing the road layout Can you post a google map link?

If you are saying her lane and yours were both marked as exiting at the junction and neither lane continued on the roundabout after the junction then she may be in the wrong.

I doubt the total cost of the damage is trivial and the cost of the work will include an element for courtesy cars if you have this option.You say she had a minor damage to the headlamp butthey will still replace it and some headlamps cost over a £100

TrueUnitedFan

dggar wrote: »

It's about time for you to post a google earth reference for where it happened.
was there any cctv?
If so you the points you'll get together with the 6 points from your Red light/speeding incident will be enough to get you banned.

neilmcl wrote: »

Can you give us a google maps link of the roundabout in question?

tripled wrote: »

In answer to your question, if the insurance company finds in your favour, then all the costs are claimed off the other party and you do not have to pay the excess. If you are found liable, the insurer will pay out the third party. The excess only applies to your own claim, so if you are deemed to be at fault then they will knock the excess off your award to repair the damage.

Sounds to me that the other driver was at fault based on your description although the fact you didn't try to avoid the accident might make it less clear cut, not sure if they would still award you not at fault or go 50:50.

I was in the second lane here



continue going in the second lane here...



in the second photo, she was in the 1st lane, speed up, indicated to try and move over across my lane and go to the 3rd or 4th exit. Accident happened just before I got into the exit. I indicated to come off the roundabout I stayed in the lane throughout.

DUTR

I know that roundabout , 5 ways Birmingham.
If you were already on the island as explained the 3rd party will be held accountable, I am concerned though at the comments that you are a troll, and this appears more true, since you fail to answer certain questions, what did the 3rd party driver say at the time?

Tony69

OP...have you got a passport?