Accident Liability

Iceweasel

vaio wrote: »

maybe but I'd have said it you hit another car either when forceing other cars to stop or turning right then it's 100% your fault

I think you have misunderstood this. Pulling out, stopping to block the traffic coming from your right while waiting for a gap in traffic coming from your left, means you are stationary.

Traffic coming from your right has to stop - otherwise they cause an accident by hitting you.

As facade says this happens in rush hour traffic all the time.

Traffic coming from the right should be able to anticipate this and stop in the distance they can see to be clear.

If dd501 was really doing 15mph they should have been able to stop pretty quickly and in a very short distance. They stopped too close to the other car.

I reckon both drivers were at fault and it doesn't matter what the percentages are.

This used to be referred to as a Knock for Knock incident/claim.

Both parties losing their NCB unless protected.

My insurance company would put me back 2 years in those circumstances.

It costs me only an extra £18.16 a year to protect my NCB - so it's very much a 'no-brainer'.

DUTR

dd501 wrote: »

Thanks for that, it seems really unfair but I don't think there is anything I can do.

I thought I had NCB protection as I've always got it in the past, but it turns out I don't have it on this one (I should have checked an automatic renewal more carefully).

How would it effect my 6 year NCB if it is a split liability?

Thank You

Protected NCB isn't always what it is cracked out to be,
EG say your premium with protected NCB was £600 and you made a claim, you still keep your NCB discount but that is not to say the base premium may not rise, so if you had say 40% NCB on a £1000 premium, this may rise to £1100 and with your NCB would reduce to £660.

vaio

Don't see what the discussion is about, it seems simple to me.......

if you pull out of a side road and one of the cars on the main road hits you, then it's your fault.

if you pull out and then stop waiting for a gap on your left thus forcing the cars on your right to stop and one of them can't and hits you then it's your fault.

if they do stop then it's crap driving but no damage/fault

Once the gap on the left appears so you can complete your right turn if you hit the stopped car whilst completing your turn then it's your fault

dacouch

DUTR wrote: »

Protected NCB isn't always what it is cracked out to be,
EG say your premium with protected NCB was £600 and you made a claim, you still keep your NCB discount but that is not to say the base premium may not rise, so if you had say 40% NCB on a £1000 premium, this may rise to £1100 and with your NCB would reduce to £660.

Erm a better way of explaining it would have been thus.

Your original premium was £400 (Gross premium before NCD £1000) net of maximum protected no claims (Probably 60%).

After a fault accident the gross premium is loaded by say 10% to £1100 as a result of an accident.

With protected no claims bonus this would mean a renewal premium of £440.

If you did not have protected no claims bonus the bonus would generally reduce to 2/3 years which would normally be 40% discount so the renewal premium would be £600.

Pc_Crash

Iceweasel wrote: »

I think you have misunderstood this. Pulling out, stopping to block the traffic coming from your right while waiting for a gap in traffic coming from your left, means you are stationary.

Traffic coming from your right has to stop - otherwise they cause an accident by hitting you.

As facade says this happens in rush hour traffic all the time.

Traffic coming from the right should be able to anticipate this and stop in the distance they can see to be clear.

If dd501 was really doing 15mph they should have been able to stop pretty quickly and in a very short distance. They stopped too close to the other car.

I reckon both drivers were at fault and it doesn't matter what the percentages are.

This used to be referred to as a Knock for Knock incident/claim.

Both parties losing their NCB unless protected.

My insurance company would put me back 2 years in those circumstances.

It costs me only an extra £18.16 a year to protect my NCB - so it's very much a 'no-brainer'.

The law doesn't really agree with your view.