How to claim

[simon]

Hello all.

Basically I am just wondering / advise / thought and opinion on the following.

I would like to know how I can go about making a claim for loses / damage / criminal damage which is sometimes done to my vehicle when someone over takes me.

The kind of damage I am talking about is the stone / gravel / debre which flys off from the persons tyres when over taking me and thus causes paint work damage / scratches / indentation and also windscreen damage / scratches on the glass / indentation marks.

The evidence is caught via my dash cam. Overtaking can be seen and with audio can hear the clattering of stones / gravel / debre hitting my vehicle.

Is it insurance job or solicitor or other ? Because frankly I am sick of it.

forgotmyname

How? Claim on your insurance and let them chase the other vehicle. They wont so you will have a fault claim on your record for upto 5 years.

facade

You would need to prove negligence on the part of the other driver.

Now it may be obvious to you that overtaking your car would shower your car with debris, but I have to say it isn't something I've ever thought about or noticed in the many years I have been driving along the potholed cart tracks that pass as "roads" round here, except when there is actually a "loose chippings" sign up.

If your dashcam shows you passing a "loose chippings 5mph" sign and then being overtaken at high speed and showered with debris then you might have a very strong case for a small claims settlement.

As above though, you will then have to inform your insurer of your accident/incident/losses so they can increase your premium.

Joe_Horner

If you want to go down that route you should also be prepared for all the claims against you for all the times you've passed other cars (no doubt including parked ones) and subjected them to this hail of gravel.

Retrogamer

Was the damage intentional? If it wasn't, then it wasn't criminal.

Did the driver of the other vehicle cause the damage by being negligent? If not, there is no claim and it's purely accidental

Are they overtaking you on a particular road that has a problem with stones? Perhaps letting who ever is responsible for upkeep of the road this is happening on aware that there's a problem with the surface.

debtdebt

Are you going to sue the birds that !!!! on your car and ruins the paintwork?

loskie

!!!!!! what are you expecting. THIS IS WEAR AND TEAR.

neilmcl

[simon] wrote: »

Hello all.

Basically I am just wondering / advise / thought and opinion on the following.

I would like to know how I can go about making a claim for loses / damage / criminal damage which is sometimes done to my vehicle when someone over takes me.

The kind of damage I am talking about is the stone / gravel / debre which flys off from the persons tyres when over taking me and thus causes paint work damage / scratches / indentation and also windscreen damage / scratches on the glass / indentation marks.

The evidence is caught via my dash cam. Overtaking can be seen and with audio can hear the clattering of stones / gravel / debre hitting my vehicle.

Is it insurance job or solicitor or other ? Because frankly I am sick of it.

Don't be so daft. If you drive a car on a road you will encounter stone chips, it's a fact or driving life end of. Your car has probably been throwing up stones, gravel etc to the cars behind you as well, do you think they should be suing you too!

AndyMc.....

Retrogamer wrote: »

Was the damage intentional? If it wasn't, then it wasn't criminal.

Did the driver of the other vehicle cause the damage by being negligent? If not, there is no claim and it's purely accidental

Are they overtaking you on a particular road that has a problem with stones? Perhaps letting who ever is responsible for upkeep of the road this is happening on aware that there's a problem with the surface.

It doesn't have to be intentional but he'd need to show they were reckless in their actions.

iolanthe07

The OP could always drive a bit faster!

maxmycardagain

iolanthe07 wrote: »

The OP could always drive a bit faster!

or stay at home?