Should I share dashcam footage with 3rd party?

Car_54

1stTimer said:

The_J_Londoner said:

The other day another driver clipped the side of my car with their wing mirror while overtaking me on a dual carriageway.

The_J_Londoner said:

Thanks all for your replies.

Just in case it wasn't clear for my original post, I already shared the footage with the 3rd party's insurer.

For some added context, I was stationary (waiting behind a bus at a bus stop) when hit.

Sorry if I am being ignorant but this doesn’t make sense? Are there really bus stops on dual carriageways that allow you stop at?
Again apologies if there are I have just never heard or seen any 

Yes, there are lots of bus stops on DCs. Buses can stop there, hence the name.

The OP stopped behind a stationary bus, presumably prevented from overtaking by vehicles in lane 2, including the one which hit him.

wongataa

1stTimer said:

Sorry if I am being ignorant but this doesn’t make sense? Are there really bus stops on dual carriageways that allow you stop at?
Again apologies if there are I have just never heard or seen any 

Well all the urban dual carriageways in the city I live in have bus stops as they are used as bus routes.

Major trunk roads that are dual carriageways are less likely to have bus stops but not all dual carriageways are that type of road.

sheramber

A builder doinG work at our house had his van parked at the side of the road.- a wide part on a single track road-o move off. ready He was stationary.

A car came along and  overtook him. Unfortunately, the road narrowed  at that point, and he  hit the builder's van on the side and ended up in a ditch.

( we think he tried to beat the builder moving off to avoid being behind him.)

The builders van was written off.

the car driver admitted iaibilty 


The incident was filmed on out CCTV. which we gave to the builder to forward to his insurance company.

18 months later the car driver was still arguing that the van moved off as he was passing it- despite the cctv showing the van was stationary.

Herzlos

Nasqueron said:

The_J_Londoner said:

Thanks all for your replies.

Just in case it wasn't clear for my original post, I already shared the footage with the 3rd party's insurer.

For some added context, I was stationary (waiting behind a bus at a bus stop) when hit.

Having said that, why would this be a "he said, she said" situation? The insurer has the footage so are in no doubt about what they see/hear.

I'm trying to understand what the benefit would be in allowing the insurer to share it with their policyholder (i.e. the 3rd party driver)?

Likely to give them a chance to admit it and accept the payment rather than continuing to fight it, if they just say "we have footage" the holder might argue it wasn't them, or want to check it wasn't a clone plate or who knows what. 

That's what I think it must be. The insurance company have the footage but the 3rd party driver is still denying it and/or asking to see the footage. I'm also surprised they didn't just share it. 

I can't see any reason not to share the footage, it's not really going to give the 3rd party driver a chance to make up a better story. By not sharing it you're just dragging things out longer and annoying the claims handler. 

The_J_Londoner

Thanks all for your advice. Long story short, I got an admission of liability from the 3rd party's insurer.

Due to pre-existing damage on the same body panel, they claim they are not liable for the full cost of a repair, and since they are unable to fix the new damage "in isolation" they've offered me a laughable £66 cash in lieu.

I've received an independent repair estimate of around £900 which would've been the cost regardless of the pre-existing damage.

I've made clear to them I will not accept that and they are now ignoring my emails. 

I'm thinking of sending them an LBA followed by Small Claims Court proceedings, but curious to hear other opinions/thoughts on here.

facade

Repairing pre-existing damage would be "betterment" but £66 seems a bit of a low ball against £900. (But we haven't seen the panel and the damage)

You'd think they'd just pay out £900 rather than spend anything on arguing tbh.

Get a quote for a smart repair of just the damage caused by the mirror, and go back to them with that quote, then it would be reasonable to small claims the other driver for that amount (unless the insurer has accepted liability themselves rather than on his behalf, which would be odd as they weren't driving) and you should succeed with the claim, so the insurer ought to pay it rather than waste time & money defending it.

Mildly_Miffed

Mmm, a bit of damage to an already damaged panel does... complicate... things.

Let's see before and after pics.

MyRealNameToo

The_J_Londoner said:

Thanks all for your advice. Long story short, I got an admission of liability from the 3rd party's insurer.

Due to pre-existing damage on the same body panel, they claim they are not liable for the full cost of a repair, and since they are unable to fix the new damage "in isolation" they've offered me a laughable £66 cash in lieu.

I've received an independent repair estimate of around £900 which would've been the cost regardless of the pre-existing damage.

I've made clear to them I will not accept that and they are now ignoring my emails. 

I'm thinking of sending them an LBA followed by Small Claims Court proceedings, but curious to hear other opinions/thoughts on here.

So how much would it have cost to fix the panel pre-accident and how much would it cost to fix it now. The difference between the two is a reasonable proxy for what they owe. 

If it needed a new panel either way and so actually the repair costs haven't changed then you would be owned very little 

born_again

Why did you not go through your own ins co?
As you are still going to have to declare it as a claim.

Interesting how a wing mirror damages a panel, unless one that hit car is a low sports car

The_J_Londoner

born_again said:

Why did you not go through your own ins co?
As you are still going to have to declare it as a claim.

Interesting how a wing mirror damages a panel, unless one that hit car is a low sports car

I didn't go via my own insurance for several reasons, although I did declare it the day it happened.

Are your car's wing mirrors higher than than the height of other cars on the road...?