Car Accident - What Now?

smj43

robatwork wrote: »

I'm afraid this one is your fault all day long.
And driving without proper insurance is going to make things complicated - being a delivery driver and not being covered specifically for that may mean you were driving without any insurance at all.

I think this could be an expensive lesson for you/

I was covered by the companies insurance while driving for them. If anything I was over insured, my own fully comp policy aswell as the companies 3rd Party policy that covers me. How have you come to the conclusion that I'm not insured?

arcon5

lister wrote: »

To throw the contrary view in - very often this isn't the case, but ultimately in court you pays your money and takes your chance.

It doesn't matter if the OP was in the wrong lane for their chosen exit - if the third party had to cross a lane to leave it is his obligation to make sure that is safe to do. It is nothing more than a lange change and should be done with adequate observation, rather than presumption that because I am in the correct lane for my exit everything will be ok.

Equally given that the OP knows the roundabout is a difficult one by the sounds of it, why the heck weren't they paying more attention to the cars around them and their destinations. An accident like this requires poor observation and subsequent actions from both parties, even if one can be deemed at fault.

On the contrary again, but op would be treated as having changed lanes if they are in a lane designed for bearing left and she moves to a different lane allowing for a different direction.

(Noting I haven't yet read the rest of this thread so not sure if new info has come out)

smj43

Here are some more images.

Here is what actually happened



Green is me, Orange is other car.

Here is what should have happened



I believe as we were both in the incorrect lanes, we were both wrong. However the reason I blame him is because he should have seen me and slowed down before crossing into my lane.

Sooler

Here are the road markings for the 3 lanes - Hook Rise
https://maps.google.co.uk/maps?q=Tolworth+Broadway&ll=51.379196,-0.281117&spn=0.0011,0.002315&sll=51.3809614,-0.2828661&sspn=0.0051428,0.0109864&t=h&hnear=Tolworth+Broadway,+Surbiton+KT6+7DJ,+United+Kingdom&z=19&layer=c&cbll=51.379088,-0.281138&panoid=7ifecovHe96Ze8Uz8xRnWQ&cbp=12,18.09,,0,16.27


Post 15 OP is in left lane - marked straight on
Post 18 OP is in center lane - marked straight on and turn right.
Other car is in right lane - marked turn right

OP turned right, other car went straight on.

All depends on what lane the OP was actually in.

shortchanged_2

Are there any road markings at the junction that indicates that the left lane is left turn only?

For sure you were in the wrong lane and the other driver probably was too. But personally I would say your planned move was worse as you're potentially going to cut up so many people.

Sooler

Seems OP was in left lane and changed in to center lane whilst going around the roundabout. OP should have looked over right shoulder to check safe to do so.

Seems other car was in right lane and changed in to center lane whilst going around the roundabout. Other car should have looked over left shoulder to check safe to do so.

ABN

Three things.

1) Yes I know the slip road can be very busy at times. But with the use of your right turn indicator, the amber traffic light and the use of MK11 eyeball making contact with on coming drivers I have never had a problem getting into the outside lane. Yes it does take a little longer, time being dependant on the number of oncoming BMW drivers

2) No witnesses: I suggest there may well be a witness. CCTV cameras. Quite a few around there. Contact the local council and find out who controls them, Contact the control centre and if you ask nicely they will review the footage while you are on the telephone and confirm whether they captured the incident or not.

Word of caution. When I tried after a minor incident in Ewell they said they would not release the footage to me but only to the insurance company. This cost the insurance company £110. In my case it showed I was not at fault and so a 50/50 claim became a no fault claim. In your case, what with only 3rd party insurance, you may be liable for those costs.

3) Perhaps most importantly. At the time of the incident your insurance may have been invalidated but you would be covered by your part time business’s insurance. However because of this non disclosure your normal insurance may be void and your now driving without insurance. Think you need to get that sorted ASAP.

Buellguy

smj43 wrote: »

I was covered by the companies insurance while driving for them. If anything I was over insured, my own fully comp policy aswell as the companies 3rd Party policy that covers me. How have you come to the conclusion that I'm not insured?

Will not be in effect as you are using the vehicle for deliveries and unless you have declared this, WHICH YOU HAVEN'T you aren't covered.


I would double check with the company you work for that your vehicle is insured with them as every company I know that requires people to use their own vehicle for deliveries requires the driver to ensure that they have the correct insurance cover in place.


Unless you have passed all details of your vehicle and driving details to your employers insurer I have a suspicion that your are driving with no insurance cover in place.

Annie1960

I don't understand your insurance situation. You have insurance for the car, but your employer has also insured your car?

I thought you could only insure a car once? Maybe I have misunderstood this.

dacouch

ABN wrote: »

3) Perhaps most importantly. At the time of the incident your insurance may have been invalidated but you would be covered by your part time business’s insurance. However because of this non disclosure your normal insurance may be void and your now driving without insurance. Think you need to get that sorted ASAP.

For obvious reasons the Insurers cannot void the policy without informing the customer