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

Greg89

I spoke to my insurance and what they're saying due to the first vehicle which hit comes as non insured, I may be none recoverable and they'll speak to an engineer.

Although the biggest hits came from the second, forth and fifth vehicles.

TELLIT01

Just contact your insurer and let them handle everything.  Do not get into any form of communication with the other drivers apart from telling them it is being handled by the insurers.  If the road was icy it's likely to be agreed amongst insurers that they will cover their own drivers.

diystarter7

TELLIT01 said:

Just contact your insurer and let them handle everything.  Do not get into any form of communication with the other drivers apart from telling them it is being handled by the insurers.  If the road was icy it's likely to be agreed amongst insurers that they will cover their own drivers.

Hi

Exactly what I have been saying but some are still pulling me up on that. Good to see that some of us are on the right path.

The good thing re comp cover is you can leave it to the insurance  people.

Thanks

DullGreyGuy

diystarter7 said:

DullGreyGuy said:

diystarter7 said:

Sea_Shell said:

Was each subsequent collision driven away (moved) from by the other 6 cars?

So they didn't contact each other, just you?

Hi

IMO it does not matter and like I and others have said, based on what OP has posted already and today as well, best left to the insurance guys to sort it out

It would matter if TP1 hit the OP and then TP2 hit TP1... in that scenario its unlikely the OP would have any claim from TP2 unless it can be evidenced that the collision was with such force into TP1 that it caused more damage to the PH. Then TP1 would be in a similar place to the OP... liable for the NS damage to their vehicle and to the OS of the OP but non-fault for the OS damage to their own vehicle.

Sorry, but how does it matter as I and others have said if left to the insurance co?  The OP is fully insured, so how does it matter?
It's not just me sayinng that but others. 6 cars, let the insurance deal with it as this is what OP has paid for as have most of us for fully comp insurance.

thanks

To many people yes... people want to know the likely outcome, how things will be dealt with and often want to ultimately be the one that approves the outcome (though you have no right). Having worked in claims for years most the PH calls are simply for an update/discussion and half the time they talk about the outcome for others involved not just themselves.

They have comprehensive insurance, no such thing as fully comprehensive, a temporary marketing gimmick dropped a long time ago

diystarter7

DullGreyGuy said:

diystarter7 said:

DullGreyGuy said:

diystarter7 said:

Sea_Shell said:

Was each subsequent collision driven away (moved) from by the other 6 cars?

So they didn't contact each other, just you?

Hi

IMO it does not matter and like I and others have said, based on what OP has posted already and today as well, best left to the insurance guys to sort it out

It would matter if TP1 hit the OP and then TP2 hit TP1... in that scenario its unlikely the OP would have any claim from TP2 unless it can be evidenced that the collision was with such force into TP1 that it caused more damage to the PH. Then TP1 would be in a similar place to the OP... liable for the NS damage to their vehicle and to the OS of the OP but non-fault for the OS damage to their own vehicle.

Sorry, but how does it matter as I and others have said if left to the insurance co?  The OP is fully insured, so how does it matter?
It's not just me sayinng that but others. 6 cars, let the insurance deal with it as this is what OP has paid for as have most of us for fully comp insurance.

thanks

To many people yes... people want to know the likely outcome, how things will be dealt with and often want to ultimately be the one that approves the outcome (though you have no right). Having worked in claims for years most the PH calls are simply for an update/discussion and half the time they talk about the outcome for others involved not just themselves.

They have comprehensive insurance, no such thing as fully comprehensive, a temporary marketing gimmick dropped a long time ago

Hi

I still do not understand why the OP should not leave it to the insurance guys as most people do and OP is going to do that. Why make things more complex for yourself?

You was implying in the post before this one that there may be a claims against x/y/z etc but not x etc. 

Most people may enquire re the progress of claim and when the car to be fixed etc but acting as a go-between, chasing this that and the other up, not really

I've not worked inn the sector like you have but have enough knowledge to know what is the easier route.

Thanks

DullGreyGuy

diystarter7 said:
I still do not understand why the OP should not leave it to the insurance guys as most people do and OP is going to do that. Why make things more complex for yourself?

Who's said they shouldnt leave it to their insurers? 

Just look at the thousands of threads on here... people claiming from their insures but wanting to understand the process or understand why their insurers are taking certain actions etc. 

Sea_Shell

DullGreyGuy said:

diystarter7 said:
I still do not understand why the OP should not leave it to the insurance guys as most people do and OP is going to do that. Why make things more complex for yourself?

Who's said they shouldnt leave it to their insurers? 

Just look at the thousands of threads on here... people claiming from their insures but wanting to understand the process or understand why their insurers are taking certain actions etc. 

FWIW I'm interested in the process, and how the claim(s) will be logged.   Call it professional curiosity!!


Take a similar but different set of circumstances...

You live at the bottom of a steep hill, and every winter, you have at least one car skid onto to your driveway and hit your car, causing claimable damage (for which you may or may not claim).*

I think we'd agree that on each occasion, if spaced apart by days/weeks/months/years, these would all be declarable and dealt with by insurers as separate incidents, which would (technically) all need to also be declared to any future insurer.   

So my curiosity was that if these 7 accidents happened within a very short space of time to each other, say an hour, will OPs insurers treat them as just the ONE incident, and log it as such, regardless of the background negotiations that may ensue amongst all the insurers involved.

Hopefully for the OP they will log it as one.


* in those circumstances, it would probably be better to park elsewhere or move house!! 

DullGreyGuy

Sea_Shell said:
So my curiosity was that if these 7 accidents happened within a very short space of time to each other, say an hour, will OPs insurers treat them as just the ONE incident, and log it as such, regardless of the background negotiations that may ensue amongst all the insurers involved.

The answer is... its complicated and comes down to the small details, policy wordings etc.

In one extreme if your car is stolen and a week later the thief crashes it into someone an insurer would typically deal with it all under a single claim (though the crash will be repudiated for third party losses unless the thief is identified).

At the other extreme there was a case a while back when someone claimed for some burrowing insect damage to their summer house, the insurer counted 30 or so holes so treated it as 30 claims with 30 excesses (the FOS did overrule that one)

It all comes down to how closely linked the events are and how inevitable the causal chain is... car is hit, spins across the carriage way and hits another vehicle then thats 1 event. It comes to a stop, people get out, 5 minutes later another car hits the stationary immobilized vehicle then thats most likely 2 claims. 

A lot of money is spent on arguing these things, most famously with the 9/11 attacks... was it one attack or because two planes were flown into the building was it two? Claims far exceeded the policy limits and so having it deemed as two events would double the payout.  (https://www.hfw.com/Twin-Towers-Feb-13)

diystarter7

DullGreyGuy said:

diystarter7 said:
I still do not understand why the OP should not leave it to the insurance guys as most people do and OP is going to do that. Why make things more complex for yourself?

Who's said they shouldnt leave it to their insurers? 

Just look at the thousands of threads on here... people claiming from their insures but wanting to understand the process or understand why their insurers are taking certain actions etc. 

Hi
You did as per the previous post I responded to.
You was clear about it as well when you takled about different drivers, different ins levels.

Re your 2nd paragraph, I've already said that people will chase why its taking so long etc but what I have clearly said as well as others before me is, leave it to the ins co's to sort out the complex stuff, ie blame/etc and who pays and I've been clear as I can about that.

Even the OP as I pointed out agrees best to leave it to ins co. I am safely assuming as in my post people will want to know how long its taking etc, but the rest as above.

Thanks

Greg89

The insurer said to me they'll try to make the two incidents, which the first was stationary and the second of the six incidents which happened two hours apart into one claim.