WU-TANG- DAN
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Registered: 30th Nov 07
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alright gents.
crashed yesterday, i wont go into details but im not admitting liability for it and im surprised the other driver was not arrested for speeding and/or driving without due care and attention.
now, insurance are saying in the early stages it sounds like it will be a dual liability claim.
but im only 3rd party (im paying £1,740 as well would you believe!)
i want the other driver to take the blame as he was blatently in the wrong but it all comes down to hard proof, so being realistic i think its guna be 50-50.
my insurer will not pay for me and they said i need to recoup recovery costs and insurance costs from the other guys insurance.
his insurance is direct line, can i expect them to pay out or expect a big fat fuck off, heres £20?
thanks
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corsaaa_16v
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Registered: 8th Feb 06
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hey mate, i work in claims so should be able to help
sorry to hear bout the accident
i would advise getting an estimate for the repairs, and once the decision has been made on liability, tell direct line you have an estimate proving the repairs to your car will cost x amount, and you want them to re-imburse 50% of the cost once the vehicle has been repaired and get them to send you a letter confirming this.
if they start trying to negotiate with you, say your willing to get a solicitor involved and are willing to pursue loss of earning claim, etc because your car has been off the road, and they will probably just agree to the 50% as they cant be arsed with the hassle of a soliciotr getting involved, etc
thats how i would go about it if i was you mate
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WU-TANG- DAN
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Registered: 30th Nov 07
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thank you very much! type of answer im looking for!
I will go and talk to my dad now, only problem is i think my cars a write-off, the other car looked ok as well which is sods law, my chassis has bent to the right due to the impact. i just dont get why he's not being prosecuted for speeding or driving without due care and attention!
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corsaaa_16v
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Registered: 8th Feb 06
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speeding isnt an act of negligence unfortunately mate as its impossible to prove. driving without due care and attention is a cause for concern but you would a need a witness to back up your claim
good luck anyway mate, dont let them take charge, make it sound like you know what ya talking about 
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WU-TANG- DAN
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Registered: 30th Nov 07
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thanks again mate, i made sure i kept calm at the scene even thought the first thing the other driver did was square upto me shoutin the odds. Made sure i reffered to the police as 'officer', polite and corteous, i talked the same to the insurance lady at l+v as well.
thanks again!
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Colin
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Registered: 4th Apr 02
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If your certain its his fault then why not instruct your insurance to fight it??
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WU-TANG- DAN
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Registered: 30th Nov 07
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i was told to find an independant wittness, but i cant, theres no cctv as well.
my word against his situation.
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corsaaa_16v
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Registered: 8th Feb 06
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quote:
Originally posted by Colin
If your certain its his fault then why not instruct your insurance to fight it??
as mentioned above, he doesnt have any witnesses to the accident, so what grounds can they fight it on?
im afraid if all the info he has provided is right, it has got 50/50 written all over it
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WU-TANG- DAN
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Registered: 30th Nov 07
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well, i got a call this mornin from the other driver who promptly made several threats 'to kick my fucking head in' if i dont call insurance and take responsibility.
i thought he was going to hit me after the crash and i've decided to just give in.
i called my insurance, told them i'd been threatened and that i was going to take responsibility, they accepted but they were dubious about letting me be bullyed into it.
i know the other driver has my address and personall details as i have his.
the police exchanged them between us, which is funny because i went to the police station the next day to ask for the incident number, i was told that when i was refused the officers names on the same night they should have told me and that their NOT supposed to divulge each others numbers and addresses, only insurance details.
i do law in college and we have a representative of the IPCC in tommorow- im going to let rip lads trust me.
only good thing is i have the option to pay for his repairs and keep my NCB
[Edited on 31-01-2008 by WU-TANG- DAN]
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VegasPhil
Premium Member
Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
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Don't be put off by him bullying you dude. That's not right
Corsa 2.0 16v Vegas - Sold
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WU-TANG- DAN
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Registered: 30th Nov 07
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i know mate, i have the feeling he lives local though, although his address is in scotland which is other end of the country the fact his insurance called the next day makes me think hes a squaddie based in R.A.F st. athan, which aint too far from me.
i think hes the type of man who would come round as well.
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DYL
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Registered: 19th May 06
Location: CAERNARFON
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quote:
Originally posted by VegasPhil
Don't be put off by him bullying you dude. That's not right
Dont give up mate! Carry on doing as much as you can mate....the truth WILL come out in the end
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nova_gteuk
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Registered: 15th May 02
Location: South Wales Drives: The Bandwagon
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Do not accept liabilaty whatever you do. fight it or your next insurance will be sky high.
Ignore him,or if he calls again give me his number im not to far from you id happily come have a chat with him.. i hate bullys. 
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WU-TANG- DAN
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Registered: 30th Nov 07
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i think whay he did was absolutly wrong as well boys.
it was a junction crash and he had right of way- of course i looked to check it was clear and when i started going, he came.
but i cant prove he was speeding so i think i might as well let it go, if he was absolutly at fault i wouldnt take it though.
but i know it will come to ''you were meant to give way''.
l+v said i can pay them back for the repairs if i want, i keep my ncb if i do.
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DYL
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Registered: 19th May 06
Location: CAERNARFON
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report him to the police......tell them exactly what he said....another way to help you fight your claim
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WU-TANG- DAN
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Registered: 30th Nov 07
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im worried if i call he might come round though.
claims all sorted now, i took the blame.
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John
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Registered: 30th Jun 03
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You do law in college yet you accepted liability because he said he would kick your head in, doesn't sound right to me, especially if you have his address.
I'd be telling him to gtf.
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nova_gteuk
Member
Registered: 15th May 02
Location: South Wales Drives: The Bandwagon
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quote:
Originally posted by WU-TANG- DAN
im worried if i call he might come round though.
claims all sorted now, i took the blame.
expect your next policy to be even higher then.
Should of gone to the police or got your dad to sort him out imo.
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WU-TANG- DAN
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Registered: 30th Nov 07
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problem though is, hes about 6ft 3, aggressive and probs a squaddy.
i will go and do a pass plus now i think, might help. welsh assembly let you do it for £20
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DYL
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Registered: 19th May 06
Location: CAERNARFON
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pass plus doesnt really make much difference....i would'nt care if he was 10ft and had a bat in his hand.......he's a dickhead!
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nova_gteuk
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Registered: 15th May 02
Location: South Wales Drives: The Bandwagon
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Im 24 6ft3 and 15 stone and if i remember right your in merthyr? so im in neath like ten minutes away,id happily come see him.
i know im tall aswell but dont let height put you off,my cousins about 5ft2 and he gets the better of me all the time the lil fuck 
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WU-TANG- DAN
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Registered: 30th Nov 07
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haha, no im the vale of glamorgan mate.
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GT190
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Registered: 6th Dec 07
Location: Greater London
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don't letting him bully you into the claim.
i remember when someone crashed into the side of me becuase they pulled out without looking.
they tried to shout and get into my face, i responded in the same way.
amazing how much they calm down.
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WU-TANG- DAN
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Registered: 30th Nov 07
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i would really like to pick up the phone and hurl abuse at him really, but i dont know anything about him apart from hes an agressive wanker
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DYL
Member
Registered: 19th May 06
Location: CAERNARFON
User status: Offline
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i know something about him.....he's a sad lowlife twat!
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