Car Accident - What Now?

smj43

Jeez I only worked there for 2 days (about 4 hours in total) and have now quit since the wear and tear/damage on my car was not worth it. Surely my insurance wouldn't penalise me for not telling them that?

DUTR

smj43 wrote: »

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.

At best 50/50 at worst you are liable, the lane doesn't belong to you (although I know what you meant) It could be argued that you should have been aware of the other vehicle's presence and ensured a collision didn't occur.

Buellguy

smj43 wrote: »

Jeez I only worked there for 2 days (about 4 hours in total) and have now quit since the wear and tear/damage on my car was not worth it. Surely my insurance wouldn't penalise me for not telling them that?

If you had the incident whilst you were working for them - YEP


Most insurance policies (even with business cover) specifically exclude using the vehicle for deliveries

smj43

Buellguy wrote: »

If you had the incident whilst you were working for them - YEP


Most insurance policies (even with business cover) specifically exclude using the vehicle for deliveries

But if I have cover for whilst I am working for them, what interest does my insurance company have in that? Since any accidents would be claimed under the companies insurance not mine.

Also, I was not technically working at the time, I was on my way home.

DUTR

smj43 wrote: »

But if I have cover for whilst I am working for them, what interest does my insurance company have in that? Since any accidents would be claimed under the companies insurance not mine.

Also, I was not technically working at the time, I was on my way home.

Why throw in complications that really on the whole are irrelavent?
It's a clear case of 2 pig headed drivers on the road in the same place at the same time, this is what happens.

Sometimes when you drive you get close calls, (hazard awareness) yep, take evasive action and talk about it later, it's always easier than the consequences of an insurance claim.

smj43

DUTR wrote: »

Why throw in complications that really on the whole are irrelavent?
It's a clear case of 2 pig headed drivers on the road in the same place at the same time, this is what happens.

Sometimes when you drive you get close calls, (hazard awareness) yep, take evasive action and talk about it later, it's always easier than the consequences of an insurance claim.

There is no need to be offensive. I am not a pig headed driver, I am an inexperienced driver, I have only been driving for 4 months. This is something I will learn from. I have already admitted half liability. I did what I thought was right at the time, we all make mistakes.

And your second paragraph makes no sense at all. I have no idea what you are talking about.

dacouch

smj43 wrote: »

But if I have cover for whilst I am working for them, what interest does my insurance company have in that? Since any accidents would be claimed under the companies insurance not mine.

Also, I was not technically working at the time, I was on my way home.

If you were on your way home then I doubt the cover the takeaway (Dominoes I presume) will cover you. However providing you have commuting cover on your own policy your own Insurers may well cover the accident including your own damage.

They may well not be too happy as takeaway delivery drivers are not popular with car insurers. You starting the job recently may well help in addition many Insurers do not correctly word their requirement for you to notify of changes in your job or what may possibly be classed in this case an additional job which could work in your favour

DUTR

smj43 wrote: »

There is no need to be offensive. I am not a pig headed driver, I am an inexperienced driver, I have only been driving for 4 months. This is something I will learn from. I have already admitted half liability. I did what I thought was right at the time, we all make mistakes.

And your second paragraph makes no sense at all. I have no idea what you are talking about.

It makes plenty of sense, if you choose to understand it it read"Sometimes when you drive you get close calls, (hazard awareness) yep, take evasive action and talk about it later, it's always easier than the consequences of an insurance claim."

For instance you could be driving along well within the speed limit, and a pedstrian or pram pusher (who you could see much earlier ) enters the carriageway . Do you take evasive action for them or just carry on and hit them? And a whole host host of scenarios that you may come across during your driving time, things like you will see people in front of you, who your insticnts tells you they are going to drift into the same lane as you, you could collide with them and they get the blame or take evasive action and just talk about what may have happened. etc etc

So to summarise, when on the road, assume everybody else on the road is an idiot or going to do idiotic manouvres and it is up to you to avoid them.

keith1950

deliveriesBut if I have cover for whilst I am working for them, what interest does my insurance company have in that? Since any accidents would be claimed under the companies insurance not mine.

That could be a big issue. When you apply for car insurance they ask you for your occupation and if you have any part time jobs !.

It isn't just about the accident its about the fact that they may think that you have lied on your application. "Professional" drivers usually attract higher premiums.

Irrespective of whether or not you have just started this delivery job they probably wont be pleased to find out you were doing this because if they had know they would have vastly increased your premiums to account for this.

As it stands , if they do find out , do you think they will believe you that you have just started this part time job.

The best you can hope for is that they increase you premium, at the worst they could cancel your policy.

Pray they don't find out.

Buellguy

keith1950 wrote: »

That could be a big issue. When you apply for car insurance they ask you for your occupation and if you have any part time jobs !.

It isn't just about the accident its about the fact that they may think that you have lied on your application. "Professional" drivers usually attract higher premiums.

Irrespective of whether or not you have just started this delivery job they probably wont be pleased to find out you were doing this because if they had know they would have vastly increased your premiums to account for this.

As it stands , if they do find out , do you think they will believe you that you have just started this part time job.

The best you can hope for is that they increase you premium, at the worst they could cancel your policy.

Pray they don't find out.

Actually the worst is that they could cancel your policy, find the claim against you, pay out to the third party and then pursue you through the courts for their losses