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Help with 3rd party without MOT

edited 30 November -1 at 1:00AM in Motoring
81 replies 2.9K views
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  • ncfcfanncfcfan Forumite
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    Food for thought. Thanks foxy-stoat.

    I've been under the impression this kind of collision would always be a non-fault deal, but I can see without concrete evidence, that it's not.

    I've given a really detailed account to the insurers. Hopefully the 3rd party just owns up and accepts responsibility.

    Many thanks for all your replies - helpful and not so helpful!! :)
  • foxy-stoatfoxy-stoat Forumite
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    ncfcfan wrote: »
    I've been under the impression this kind of collision would always be a non-fault deal, but I can see without concrete evidence, that it's not.

    I've given a really detailed account to the insurers. Hopefully the 3rd party just owns up and accepts responsibility.

    Unfortunately without independent witnesses they will hold you responsible and your insurers will hold them responsible. If it went further without witnesses the judge will award 50/50 - both sides know this and that how it will go. They wont go further as it costs them money and they already know the outcome.
  • DUTRDUTR Forumite
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    ncfcfan wrote: »
    Nope. He strayed into my lane and collided with me.

    Listen , I'm not challenging, just trying to picture the set up..... if you were wanting to exit and the other vehicle was wishing to continue around the roundabout, then your vehicle is the one that has to change lanes.

    I'm not the arbitrator , but you can I hope see how your post reads.
  • ncfcfanncfcfan Forumite
    121 posts
    DUTR wrote: »
    Listen , I'm not challenging, just trying to picture the set up..... if you were wanting to exit and the other vehicle was wishing to continue around the roundabout, then your vehicle is the one that has to change lanes.

    I'm not the arbitrator , but you can I hope see how your post reads.

    https://www.google.com/maps/@52.4809675,-1.7078715,3a,75y,64.17h,70.36t/data=!3m6!1e1!3m4!1sV6zhfQgO8XRJvQ9e_zTLNQ!2e0!7i13312!8i6656

    If you can, take a look at the google maps link. Fingers crossed it takes you to the right place.

    I was in the inside lane, coming off at this exit. There is no lane change from me. He left his lane, cutting across me, as if to miss this exit entirely.
  • ncfcfanncfcfan Forumite
    121 posts
    ncfcfan wrote: »
    https://www.google.com/maps/@52.4809675,-1.7078715,3a,75y,64.17h,70.36t/data=!3m6!1e1!3m4!1sV6zhfQgO8XRJvQ9e_zTLNQ!2e0!7i13312!8i6656

    If you can, take a look at the google maps link. Fingers crossed it takes you to the right place.

    I was in the inside lane, coming off at this exit. There is no lane change from me. He left his lane, cutting across me, as if to miss this exit entirely.

    For guidance, I was on the A446 heading northbound. Please do have a look at street view.
  • edited 20 June 2019 at 1:44PM
    almillaralmillar Forumite
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    edited 20 June 2019 at 1:44PM
    Posters saying OP may have crossed a lane seem to be picturing a standard roundabout with 2 lanes. I'd suggest that it might be a more specialised one.
    I'm picturing a roundabout with 3 lanes entering, left one goes left, middle one goes straight on ONLY, and right one goes straight on or right. Both cars entering at 6 o'clock on the clock face, and OP plans to exit at 12 o'clock. Other car's lane doesn't continue around the roundabout, and road markings take him off the roundabout at 12 o'clock. OP therefore does not cross lanes, but other driver does, as he crosses his 'straight on' lines, to go right.
    There are general rules for roundabouts, but so many new ones have specific markings and paths to take, that you do have to read the signs and paint on the road in advance.

    EDIT:
    And now after I type that OP links to the actual roundabout - the other driver definitely crossed lines, and it's only a 3 way roundabout - so the other driver wanted to go back the way he came. Other driver should have been in the outside lane, same as OP.

    OP - the lane you were in should be referred to as lane 3, or the outside lane. I understand that it's the 'inside' of the roundabout, but convention generally would call that the outside lane, as opposed to nearside, being beside the kerb, on a road.
  • Joe_HornerJoe_Horner Forumite
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    ncfcfan wrote: »
    If our cars were level, then how have I go damage to the front bumper? I'm not following that at all.


    I was being generous seeing as you hadn't specified how far "front" the damage was. You now have.

    Seeing as the damage is your front light and bumper, that means he was actually ahead of you rather than level at the point you headed for the exit.

    It would be interesting to know where the damage was on his car....
  • DUTRDUTR Forumite
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    ncfcfan wrote: »
    For guidance, I was on the A446 heading northbound. Please do have a look at street view.

    A446 towards Lichfield?
    Then yes that makes it look clearer and one of those dodgy accident hotspots around the midlands like the M5 J4 roundabout similar incidents occur there :(
  • ncfcfanncfcfan Forumite
    121 posts
    Joe_Horner wrote: »
    I was being generous seeing as you hadn't specified how far "front" the damage was. You now have.

    Seeing as the damage is your front light and bumper, that means he was actually ahead of you rather than level at the point you headed for the exit.

    It would be interesting to know where the damage was on his car....

    Only slightly ahead, about a cars length.

    Damage to his car was minimal, but mostly centred behind drivers side rear door.
  • ncfcfanncfcfan Forumite
    121 posts
    almillar wrote: »
    Posters saying OP may have crossed a lane seem to be picturing a standard roundabout with 2 lanes. I'd suggest that it might be a more specialised one.
    I'm picturing a roundabout with 3 lanes entering, left one goes left, middle one goes straight on ONLY, and right one goes straight on or right. Both cars entering at 6 o'clock on the clock face, and OP plans to exit at 12 o'clock. Other car's lane doesn't continue around the roundabout, and road markings take him off the roundabout at 12 o'clock. OP therefore does not cross lanes, but other driver does, as he crosses his 'straight on' lines, to go right.
    There are general rules for roundabouts, but so many new ones have specific markings and paths to take, that you do have to read the signs and paint on the road in advance.

    EDIT:
    And now after I type that OP links to the actual roundabout - the other driver definitely crossed lines, and it's only a 3 way roundabout - so the other driver wanted to go back the way he came. Other driver should have been in the outside lane, same as OP.

    OP - the lane you were in should be referred to as lane 3, or the outside lane. I understand that it's the 'inside' of the roundabout, but convention generally would call that the outside lane, as opposed to nearside, being beside the kerb, on a road.

    Didn't realise this, thanks. Probably where all the confusion has come from. My apologies.
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