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Car in ditch on hitting ice. URGENT advice please
Comments
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Stevie_Palimo wrote: »Well I would not expect the land owner to be standing in the middle of a field 24-7 awaiting some action, And as others have said if nobody was injured and the as the OP is not seeking at any kind of claim plus the fact of finding said land owner who then verifies that there is no issue why would you want to bother with the insurer and have a mark on your file ?
I for one would not be doing so and many others would not bother either, It would be a different kettle of fish if someone was hurt or damage caused to something other than then car.
Insurers screw us over all of the time and you may think by not reporting this that you are in the wrong and on paper according to the insurers terms you would be right but as we all know this will then incur an increase in premiums as they just love to take more money from there customers.
Ah yes, because 'customers' who lose control of vehicles and end up in ditches are in no way a higher risk.....All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.0 -
Hi, maybe the police could pull you out the ditch. I once went into a ditch when someone was coming on me head on on a slip road.
Phone was dead but someone stopped eventually and it was a officer on his way to work! He checked the car out, rang the station and got someone to come down and pull me out. Checked my details/car details then checked the car out for me afterwards and I was back on my way.
Never informed insurance or anything though as their was no damage to the car apart from some scratches.
- This obviously depends on where the car is though and if the local stations aren't busy, I would imagine.0 -
Ah yes, because 'customers' who lose control of vehicles and end up in ditches are in no way a higher risk.....
Anecdotal of course but with mine I rang the insurer the day after once garage had a look at the car and estimated a repair bill and informed them of it, opened and closed the case as no claim was to be made and on renewal I got a lower premium with someone else - only people who wouldn't quote me were Quote Me Happy. Sold the scrap for £90 and the scrappy took the car away from the garage for me - it was drivable but needed radiator work and the bumper needed cleaning up to make it road legal (could probably have done it with duct tape)Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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How long ago was "once"?Hi, maybe the police could pull you out the ditch. I once went into a ditch when someone was coming on me head on on a slip road.
Phone was dead but someone stopped eventually and it was a officer on his way to work! He checked the car out, rang the station and got someone to come down and pull me out. Checked my details/car details then checked the car out for me afterwards and I was back on my way.
Never informed insurance or anything though as their was no damage to the car apart from some scratches.
- This obviously depends on where the car is though and if the local stations aren't busy, I would imagine.
Perhaps, if you're in a very rural area and the policeman's very bored and driving a 4x4, he might. He might even get it right...
But 99.9% of the time, he'll just pass it through to control who'll pass it through to whoever has the recovery contract for the area who'll pass the bill through to your insurer - or you.0 -
On that basis, somebody with a big claim and a ban against them should have a lower premium than somebody with a clean history...scaredofdebt wrote: »People learn from their mistakes. Well some of them do!
Not quite sure it works like that.0 -
How long ago was "once"?
Perhaps, if you're in a very rural area and the policeman's very bored and driving a 4x4, he might. He might even get it right...
But 99.9% of the time, he'll just pass it through to control who'll pass it through to whoever has the recovery contract for the area who'll pass the bill through to your insurer - or you.
Around April last year. He was driving his own car on his way to work, he just rang through to the station to get someone to come up and help. He stayed to use his car to block the road off so mine could be pulled out.
I guess I just got lucky.0 -
On that basis, somebody with a big claim and a ban against them should have a lower premium than somebody with a clean history...
Not quite sure it works like that.
No, because the insurance companies are there to make a profit.
Plenty of people have a lot of near misses when they are new drivers, but experience, ie learning from mistakes, means most are better drivers once they've got a few years driving behind them.Make £2018 in 2018 Challenge - Total to date £2,1080 -
scaredofdebt wrote: »No, because the insurance companies are there to make a profit.
Plenty of people have a lot of near misses when they are new drivers, but experience, ie learning from mistakes, means most are better drivers once they've got a few years driving behind them.
That may be true, but risk is not assessed on what they might become in the future. Following your logic, anyone who gets caught committing an offence should not face any consequences as they will obviously learn from their mistake and not do it again...All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.0 -
OK, so come renewal, you say "No, no incidents".
Then, a month or two later, your insurer says "What about this one that the Police have just contacted us about?", having logged it in their system when they had a 101 call about it.
Oops. You now have to declare a policy cancellation.
Why would the police contact the insurance company?0
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