non fault accident while stationary

glentoran99

DUTR wrote: »

???? There are roundabouts with traffic light control.

yes, many many of them

jimjames

ariba10 wrote: »

If you tell your insurance ( even if you do not make a claim) your premiums will increase.

Exactly. I'd avoid informing insurance unless I needed to

glentoran99 wrote: »

yes, many many of them

Plenty here too. This is another example https://www.youtube.com/watch?v=5qD4j9wU1r8

BykerSands

bowlhead99 wrote: »

Well, the obvious example is where someone did the crime but wasn't actually caught in the act by the police (like the woman in the OP's story) so they got 0 points...

But even if caught, in various parts of the country a driver awareness course will be offered as an alternative to fixed points or pursuing a 'conviction' for things like using mobile phone while driving. Obviously, not for repeat offences - just like with the speeding ones, you won't be able to be offered one if you've already done one recently.

That's good you've given two examples of someone not getting points and neither of those examples are convictions.

Old_Git

dingends wrote: »

good evening!

just came home and had someone banging in my back.

I were standing on a roundabout for about 2 minutes on a red light, until the driver behind me rolled into me, cracking my number plate and made few scratches on the bumper.

however, as I had time while standing on the light, I watched in the back mirror and the lady on the wheel were checking her phone when she rolled into me.


Its not a major damage, just few scratches and the number plate. So now she offeres to settle without insurance, what do you guys think? I mean i can live with the scratches and a new number plate is not expensive - but checking my insurance - admiral - it seems like i will get a price hike even on an non fault accident.


what would you suggest? take the money offered and settle private or go through insurance and risk increased premiums?

tanks for any comments!

dingends

You need to get the damage checked by a garage before you make a decision.
I had two no fault accidents last year .Both looked like minor damage both cost over £2,000 to fix .

Strider590

dingends wrote: »

Its not a major damage, just few scratches and the number plate. So now she offeres to settle without insurance, what do you guys think?

I think her friends/family/partner will convince her to claim it wasn't her fault and/or that she should claim for personal injury.

I think you should get onto your insurance ASAP.

There was a time when people would settle for these things without going via insurnce, BUT these days nobody ever wants to take responsibility for their actions.

BykerSands

Strider590 wrote: »

I think her friends/family/partner will convince her to claim it wasn't her fault and/or that she should claim for personal injury.

I think you should get onto your insurance ASAP.

There was a time when people would settle for these things without going via insurnce, BUT these days nobody ever wants to take responsibility for their actions.

If might prove a little difficult to explain her rear ending him and only minor damage.

Richard53

BykerSands wrote: »

If might prove a little difficult to explain her rear ending him and only minor damage.

"I pulled up behind the other driver leaving a safe gap. He then suddenly reversed into me. Mobile phone? No way. He must have made that up too."


Far from convincing, I admit, but it's a way it could get messy.

diamond_dave

Get her to admit liability in writing (If possible) because if you dont she will refuse to pay when you stick her with the bill. My daughter had a similar incident a couple of years ago the woman behind her hit the rear of her clio when stationary. The damage looked minimal just a small crease in the paintwork of the bumper, but I as it was a nearly new car, i advised her to do it all through the insurance. The bill? £450 something!!!! The guy reckoned that the paint alone was £200 odd. And the thing that absorbs the impact needed replacement. And tell the insurance company that she was on her phone - if it was up to me I would lock up anyone using a mobile. End of.

GabbaGabbaHey

PasturesNew wrote: »

I don't believe insurance companies need to know about this stuff.

Unless the conditions of your insurance cover require you to inform them...

dannyrst

Get a written quote from the main dealer for your make of car for a repair/respray/replacement number plate. Get in touch and offer to send a copy of the quote to her and ask her to provide that amount within 7 days or you will need to get in touch with her insurers to make a claim.

Make sure you don't let it drag on or you get into a sticky conversation with insurance around why you left it so long to report the accident.