Son had accident - not his fault but other party saying it was....

motorguy

Silver-Surfer wrote: »

He has photos, if one shows the cars in their impact position it may help. However if it's a cas of the impact happened and both pulled over further down the road then it's one drivers word against the others and 50/50'seems the cheapest option for all.

Thats my main fear - she simply says that the accident happened before that point or after it.

Its her word against his. No doubt if she has to turn up in court she'll be there in court in tears describing how she'd been taking her disabled mum out shopping previously.

Its a motability car, for the record.

motorguy

New_World_Order wrote: »

I had an at fault accident at 19, my insurance didn't sky rocket in fact it came down come renewal. Take the 50/50 .

Hes had a previous at fault accident. And its quite a high grouped car for his age.

His insurance has just been renewed without the settlement and its went up from £70 a month to £130 a month, when it should have went down.

That was bearable for him for a few months, but its a painful jump of £720 a year at least.

misterbarlow

We are going thru the same thing.. some guy drove into my lane and hit me exiting a roundabout.. as far as I am concerned its 100% his fault... insurance say he disputing blame so until its sorted we have to pay the £300 excess... I am so annoyed some other idiot cant drive and we have to pay £300...

Quentin

misterbarlow wrote: »

.. as far as I am concerned its 100% his fault... insurance say he disputing blame so until its sorted we have to pay the £300 excess... I am so annoyed some other idiot cant drive and we have to pay £300...

When you make a claim off your own insurer then your excess is always payable. It's an uninsured item (not covered by your insurer).


So always select an excess you can afford to pay as in the event of any dispute as you have discovered it can take a long time for the liability issue to be resolved and longer before you get it back if you are found blameless (or partly blameless)

almillar

he effectively changed lanes

He absolutely has not, the way motorguy describes it.

Ok moved over then.

NO! This woman entered HIS lane. She crossed lines, he stayed inside them.

motorguy - I drive that road in Belfast sometimes. It's effectively a chicane by the road markings, which motorguy's son had driven within, and this 'lady' has straightlined.
Where on your son's car was the damage? Answered - back, left side
Where on the 'lady's' car was the damage? - Front, right side at a guess?
You've already mentioned photos, but a diagram showing what happened would be great, this is easy to say behind a keyboard, but I'd like to see her argue against that in court.
That 'government looking building' on the right is Belfast City Hall, and there may indeed be some CCTV footage.

bod1467

almillar wrote: »

That 'government looking building' on the right is Belfast City Hall, and there may indeed be some CCTV footage.

Still? The incident happened last November, remember.

TheDebtinator

Loanranger wrote: »

I used to be friendly with police sergeant and he told me that if you were going through a set of lights on green and someone jumped them on red and caused a crash with your vehicle, than you too would be at fault as you should have been more aware of your surroundings and been ready to brake.
Applying this principle, I believe that the son should have been able to take evasive action at this busy city centre junction and braked hard enough to avoid the woman who was crossing over into his lane.
He needs to learn from this experience that although you know what you are doing, many of the other ejeets on the road do not. Therefore, drive defensively.

I've seen some stupid replies in my time, but man alive!

AdrianC

What does the HC say about green lights?
It says GO - IF THE WAY IS CLEAR.

Don't just blindly tonk through. Sure, nobody SHOULD be going through t'other way, but they might be. There might be an emergency vehicle on blue lights. There might be some idiot who just hasn't bothered stopping. BE AWARE.

Would an insurer say it put blame? Almost certainly not.
Is it basic defensive driving? Absolutely.

almillar

GO - IF THE WAY IS CLEAR

The way ahead was clear. OP's son was correct to proceed. This woman crossed white lines and hit his left rear. The issue isn't the lights anyway (it's a bus priority, pedestrian crossing), it's the change of lane. The 'strange' part is that on this straight road, if you keep your wheel straight, you'll change lane.

tykesi

almillar wrote: »

The way ahead was clear. OP's son was correct to proceed. This woman crossed white lines and hit his left rear. The issue isn't the lights anyway (it's a bus priority, pedestrian crossing), it's the change of lane. The 'strange' part is that on this straight road, if you keep your wheel straight, you'll change lane.

I don't think AdrianC was referring to the OP, do you? Maybe read the post above his and the one it quoted.