Six cars collided into my car on a roundabout AFTER as I was stationary on the left

diystarter7

Hi OP

Just tell the insurance what happened and don't admit to anyone it was your fault and let the insurance people decide as that is their job you just supply the facts. As you are aware, everyone could say it was not thir fault and the insurance outfits decide

As to which box you tick, sorry, I'm undecided.

Good luck.

diystarter7

diystarter7 said:

Hi OP

Just tell the insurance what happened and don't admit to anyone it was your fault and let the insurance people decide as that is their job you just supply the facts. As you are aware, everyone could say it was not thir fault and the insurance outfits decide

As to which box you tick, sorry, I'm undecided.

Good luck.

OP

Re options, there is not one there that meets your circumstances IMHO.
Give the insurance outfit a call for puka advice and then take the persons name should you want to do that.

(((You skidded, hit the kerb and damaged the wheel unable to move. You tunred on hazards. You was parked up because of crash awaiting recovery in these horrendous conditions. Others slammed into your vehicle at xxx intervals? A'm I right?))

Who is your insurance if you want to say, if not not to worry.


Thanks

Greg89

I text one of them how many cars collided into mine and it was due to icy road conditions

Has he scored a point over me there as he has the actual screenshot saying it's condition of the road which caused it to happen 

dunstonh

Greg89 said:

I text one of them how many cars collided into mine and it was due to icy road conditions

Has he scored a point over me there as he has the actual screenshot saying it's condition of the road which caused it to happen 

The condition of the road will not change the decision as you are required to drive to the conditions.  The fact is he lost control of his car and hit a stationary vehicle.

Keep_pedalling

Greg89 said:

I text one of them how many cars collided into mine and it was due to icy road conditions

Has he scored a point over me there as he has the actual screenshot saying it's condition of the road which caused it to happen 

I have no idea what you mean by scoring points, but please stop corresponding to the other drivers and deal solely with your insurance company, they will sort it out.

Greg89

Thank you everyone for your suggestions 

Sea_Shell

DullGreyGuy said:

Greg89 said:

I swapped details, reg details, insurance with a few. Some seemed happy, straightforward and pass the details onto the insurance.

However their is a man saying it's my fault that he hit my stationary car and I should accept liability. I don't really wish speak to him, I have text. He swerved into me.

The police said my hazards were on, their is enough space and clear view.

My car could be a write off.

This is where it gets difficult, you are liable for the front wheel damage you did yourself, other cars are most likely liable for the other damage done to your vehicle. In theory each collision is its own accident as it wasn't one continuous event. 

If your car is a write off then someone will have to try and work out after which collision it became a write off as any one after than was just damaging scrap so no further claim from you on them. If your own damage to the front wrote it off then no claim against any of the subsequent vehicles. 

Let's hope your insurers see sense and don't deduct 7 lots of excess from you!!

Over what timeline were the incidents?

Minutes, hours?

DullGreyGuy

Sea_Shell said:

DullGreyGuy said:

Greg89 said:

I swapped details, reg details, insurance with a few. Some seemed happy, straightforward and pass the details onto the insurance.

However their is a man saying it's my fault that he hit my stationary car and I should accept liability. I don't really wish speak to him, I have text. He swerved into me.

The police said my hazards were on, their is enough space and clear view.

My car could be a write off.

This is where it gets difficult, you are liable for the front wheel damage you did yourself, other cars are most likely liable for the other damage done to your vehicle. In theory each collision is its own accident as it wasn't one continuous event. 

If your car is a write off then someone will have to try and work out after which collision it became a write off as any one after than was just damaging scrap so no further claim from you on them. If your own damage to the front wrote it off then no claim against any of the subsequent vehicles. 

Let's hope your insurers see sense and don't deduct 7 lots of excess from you!!

Over what timeline were the incidents?

Minutes, hours?

Probably unlikely that it was the 6th vehicle that hit them that pushed it over into a total loss situation; any but the first will be non-fault claims and so the additional excesses recoverable.

Greg89

The first one had reg number not insured and the last one the driver doesn't want to give his plate number.

The fifth incident, it's coming up as driver not insured.

Exodi

Keep_pedalling said:

You lost control on ice and a number of other cars did the same but instead of hitting the corn they hit you. You won’t get away with a no fault claim and all insurers involved will deal with this as cheaply as possible so the likely outcome is that each insurer will handle the damage to their clients car and all will go down as a fault claim. Had you come to a gentle rest with no damage you might have got away with a no fault claim .

I was wondering the same.

You effectively have a scenario where 7 cars have had virtually the same accident. They have all slid on the same section of road/ice and collided in virtually the same place. The only difference between the OP and the other 6 cars was that they couldn't hit the kerb, because the OP's car was there.

If we are saying that the other drivers failed to take necessary care and attention to avoid their car hitting a stationary object, then surely the same applies with the OP colliding with the kerb in the first place.

If this is literally a situation where car 1 collided into OP, then car 2 collided into car 1, then car 3 collided into car 2, etc then I'd imagine a calculation of "damage caused" would get very complicated as each insured vehicle would probably argue that an amount of damage to each vehicle was caused by subsequent collisions...

Sounds very complicated and involves a lot of guesstimates. If they agreed to all cover their own insured drivers, the OP's insurers may feel a bit hard done by, given that the car has been impacted 7 times and may be a write off.

That said, surely they're used to this - I bet this kind of scenario happens somewhat regularly when it's icy.