Car accident - questions

Hi_Mum

Apologies for the cross posting. I initially put this in the insurance thread and then noticed this section and realised it was probably more for here. I cant delete the post in the insurance thread though....

Hi all, just looking for some advice/guidance on this.

I'm a named driver on my partners car insurance and use her car infrequently.

I was driving home last night through a complex of roads to get back. My parking space is in a secure garage which is down a narrow road which is populated with some cars on the side of the road.

As I entered the road, another car (Car was stationery down at the end of the small road (it is a small cul-de sac shape ending to the road) as I went down the road, they moved forward and parked up in the space that I needed to get into to get into the secure garage.

With a moment to think, my thinking was to go past them and to then let them go and reverse back so I could get into the space to get into the garage.

However, with the insufficient space created, I scuffed alongside another car that was parked on the opposite side (Car C) of the space to get into the garage. After all of the manouvering, I put my car in the garage and noticed few small scuffs and scrapes and some dirt which I wiped off. I had a look at Car C and noticed some more major scrapes and a dent (I assume the side panel is plastic – these are designed to do this on impact aren’t they?)

Therefore, I left a note on the windscreen of Car C admitting I hit it and left my phone number saying to call me to sort out the insurance details.

I went to look this morning on my way to work and noticed that the note was still there which is fine but I noticed that the car was parked on double yellows. Now I’m not sure if these are still active and/or whether this applies at 8pm but I just noticed that.

As I say, I’ve left the note anyway but just wondered where I go from here. I don’t need to claim on ‘my’ car (which is my partners but I’m a named driver on her insurance – I don’t have my own car) as the damage is very little but I assume my partner tells her insurance anyway? Or do I wait for the phone call? Do I need to mention that the car was parked on double yellows? Does that even make any difference?

Thanks in advance for your help.

FiremanDave

Makes no difference where it was parked for liability.

atrixblue.-MFR-.

Hi_Mum wrote: »

Apologies for the cross posting. I initially put this in the insurance thread and then noticed this section and realised it was probably more for here. I cant delete the post in the insurance thread though....

Hi all, just looking for some advice/guidance on this.

I'm a named driver on my partners car insurance and use her car infrequently.

I was driving home last night through a complex of roads to get back. My parking space is in a secure garage which is down a narrow road which is populated with some cars on the side of the road.

As I entered the road, another car (Car was stationery down at the end of the small road (it is a small cul-de sac shape ending to the road) as I went down the road, they moved forward and parked up in the space that I needed to get into to get into the secure garage.

With a moment to think, my thinking was to go past them and to then let them go and reverse back so I could get into the space to get into the garage.

However, with the insufficient space created, I scuffed alongside another car that was parked on the opposite side (Car C) of the space to get into the garage. After all of the manouvering, I put my car in the garage and noticed few small scuffs and scrapes and some dirt which I wiped off. I had a look at Car C and noticed some more major scrapes and a dent (I assume the side panel is plastic – these are designed to do this on impact aren’t they?)

Therefore, I left a note on the windscreen of Car C admitting I hit it and left my phone number saying to call me to sort out the insurance details.

I went to look this morning on my way to work and noticed that the note was still there which is fine but I noticed that the car was parked on double yellows. Now I’m not sure if these are still active and/or whether this applies at 8pm but I just noticed that.

As I say, I’ve left the note anyway but just wondered where I go from here. I don’t need to claim on ‘my’ car (which is my partners but I’m a named driver on her insurance – I don’t have my own car) as the damage is very little but I assume my partner tells her insurance anyway? Or do I wait for the phone call? Do I need to mention that the car was parked on double yellows? Does that even make any difference?

Thanks in advance for your help.

them parking on double yellows will have no leeway to your insurers it will still be you fault you hit a stationary object i.e a car, blame is yours, even when the person calls you to say hi you hit my car I want to go through insurance right off the bat your obliged to provide your details and TBH I wouldn't nit pick about them being parked on double yellows yes they may not have parked there but they did and you hit it so your at blame.
you have a duty to inform your insurers anyway, but in real life if people want to go the private rout of repairs and keep quiet then that's down to them, but things can go wrong fast if the other party inform their insurers later on down the line when renewing forgetting it was done through a private agreement or other circumstances.


I would be looking for the owner today, knocking a few doors.
no doubt that note is going to be unreadable with this weather were having after a day or two and illegible to the owner when he/she gets to it. if you cant find the owner with a few door knocks in the area, then inform your insurers.

Tilt

The OP should remember that the matter needs to be reported to the police if details aren't exchanged within 24 hours.

Quentin

Tilt wrote: »

The OP should remember that the matter needs to be reported to the police if details aren't exchanged within 24 hours.

The law is you should report this ASAP if details aren't exchanged at the time of the incident (you would need to explain why you have let it go unreported as long as 24 hours)

Tilt

Quentin wrote: »

The law is you should report this ASAP if details aren't exchanged at the time of the incident (you would need to explain why you have let it go unreported as long as 24 hours)

Point taken BUT I think in this instance the OP's actions (leaving a note etc) would be an acceptable explanation. Personally if the other owner/driver hadn't responded by say, 10am today, then I would report it.

Strider590

Po Po won't give a flying one about this....... Scaring OP isn't going to help anyone.

Hi_Mum

Hi all,

Thanks for the help.

Re: Yellow Lines - no issue with that - it was more a case of whether it was relevant to the point that I would have to mention it to the insurers and whether it caused an issue if I never mentioned it and it was subsequently found out.

There are four complexes of flats in the immediate area each with a locked door requiring an access key to get in and each has 20-40 flats in it so knocking around isn't realistic. If it was parked outside a house that'd be understandable if I made no effort.

The note was left in a plastic wallet and placed under the windscreen wiper so I'm hoping that wind, rain etc isn't a factor here.

I'm planning to call the insurers tonight on my partners behalf when I return to work to sort our side out.

As it was me who was the named driver, how does it work? I assume it'll affect my partners NCB and premium but will it go against my driving details and not hers? Therefore, as I'm planning to buy a car in the next few months - if I remove myself off her premium when that happens, it'd be my insurance loaded with it and then not hers?

FiremanDave

Hi_Mum wrote: »

Hi all,

Thanks for the help.

Re: Yellow Lines - no issue with that - it was more a case of whether it was relevant to the point that I would have to mention it to the insurers and whether it caused an issue if I never mentioned it and it was subsequently found out.

There are four complexes of flats in the immediate area each with a locked door requiring an access key to get in and each has 20-40 flats in it so knocking around isn't realistic. If it was parked outside a house that'd be understandable if I made no effort.

The note was left in a plastic wallet and placed under the windscreen wiper so I'm hoping that wind, rain etc isn't a factor here.

I'm planning to call the insurers tonight on my partners behalf when I return to work to sort our side out.

As it was me who was the named driver, how does it work? I assume it'll affect my partners NCB and premium but will it go against my driving details and not hers? Therefore, as I'm planning to buy a car in the next few months - if I remove myself off her premium when that happens, it'd be my insurance loaded with it and then not hers?

You'll both suffer for the next five years.

She will have a claim you will have had an at fault accident.

Quentin

Hi_Mum wrote: »

As it was me who was the named driver, how does it work? I assume it'll affect my partners NCB and premium but will it go against my driving details and not hers? Therefore, as I'm planning to buy a car in the next few months - if I remove myself off her premium when that happens, it'd be my insurance loaded with it and then not hers?

Yes it "goes against" your details as long as you remain on her policy. (Not all insurers require 5 years history - a number now only ask for 3 or 4 years.)


If you are no longer covered by her policy then she will have to disclose the claim when getting new quotes.


You will have to disclose it too on any other policy you are covered on (either as named driver or policyholder)

Hi_Mum

Thanks.

What a palava Feel bad for my partner taking the hit as well - especially when it wasn't as if I rammed into the other car on purpose, I was trying to navigate around another car that had come up against me on the narrow road.

If I call my insurance tonight anyway, tell them what happened and give them their reg no etc, do I still need to call the police if the other party doesn't get in touch? I guess they'll advise on what to do.