2 insurance claims

Strider590

clarky_cat wrote: »

Hi

I had a recent incident in which there was an initial collision when 2 lanes came togother and the car I was driving scraped another. This followed the driver of the vehicle getting out their car and vandalising my car so the police have got involved.

The insurance company are saying that they need to process it as 2 claims so 2 lots of excess which is going to be costly. Does this sounds right to you?

I'm guessing he'll say I was in the wrong for the inital collision and vice versa. Regarding the vansdalism hes already admitted he did to the police. Could someone advise what the process is for the 2 claims and how I can recover excess losses?

Thanks

I do hope you weren't illegally trying to prevent a vehicle from merging?

If so, then it makes sense for it to be two claims, the first would go in his favour, the second in yours.

clarky_cat

Strider590 wrote: »

I do hope you weren't illegally trying to prevent a vehicle from merging?

Not at all, my car was in front initially, he then started to force his car in front and mine to the side of the road and we collided. I was in left hand lane, he in merging lane. But I'm sure he'll say it was my fault.

forgotmyname

If he was to your right and he was in front then it may look like your fault.

If they word it that you caused the accident because You didnt want to give way to the bully.

Whether you claim for one incident or both incidents its now on your record and premiums are likely to rise because of them.

If you fail to declare them you wont be fully insured. Checkout the thread where someone just got a bill of £15,000 - £20,000 from the MIB because they had an accident whilst uninsured.

Strider590

clarky_cat wrote: »

Not at all, my car was in front initially, he then started to force his car in front and mine to the side of the road and we collided. I was in left hand lane, he in merging lane. But I'm sure he'll say it was my fault.

Whichever car is furthest it front at the point of merging has priority, if he had to push his way in, then you must have been trying to stop him OR just didn't see him.
If a good 80% of drivers accelerate when being overtaken, then the same number would also try to prevent a vehicle from merging.

I'm afraid this probably won't go well for you. I'm not having a go, but unfortunately an awful lot of people see others showing this behaviour and think its ok to start playing the vigilante without actually knowing that what they're doing is illegal.

https://www.youtube.com/watch?v=dAE6_XXp-8g

It's not just us, but until others, we don't do anything about the problem.
http://www.cbc.ca/news/canada/sudbury/story/2013/07/03/sudbury-merging-traffic.html