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Author Insurance query!! Someone crashed into my parked car (pic added)
Paul_J
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Registered: 6th Jun 02
Location: London
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6th Nov 11 at 13:31   View User's Profile U2U Member Reply With Quote

Hey. I parked outside my mates last night and someone drove into my car. They were nice enough to leave details, so I just phoned him.

This guy is claiming because I parked on a single yellow line I may be liable / his insurance probably won't pay out. Is this true?? I think single yellow line means prohibited certain times and this was at night so should be ok? Right?

Will i need to pay excess??

Tom want some work?



[Edited on 06-11-2011 by Paul_J]
John
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Registered: 30th Jun 03
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6th Nov 11 at 13:34   View User's Profile U2U Member Reply With Quote

Did he give you his insurance details?

If so phone them.

There should be a sign on a pole telling you what the restrictions are.

Only need to pay excess if you go through your own insurance, which you want to avoid if possible.
Steve
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Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
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6th Nov 11 at 13:34   View Garage View User's Profile U2U Member Reply With Quote

Wouldn't have thought so tbh
Ben G
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Registered: 12th Jan 07
Location: Essex
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6th Nov 11 at 13:35   View User's Profile U2U Member Reply With Quote

go and check the signage and see when it says you can/can't parked.

usually single yellow lines are no parking for a certain time, usually around schools/train stations.
LeeM
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Registered: 26th Sep 05
Location: Liverpool
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6th Nov 11 at 13:35   View User's Profile U2U Member Reply With Quote

bullshit, your car could be abandoned in the middle of the road, its still "there to be seen" theres not an ounce of liability on your part.
SportBoy
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Registered: 5th Oct 01
Location: Retford, Nottinghamshire
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6th Nov 11 at 13:45   View User's Profile U2U Member Reply With Quote

if you wernt in the car i wouldnt think it matters where you were parked .. he hit you.
gez bay
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Registered: 14th Feb 08
Location: South Wales drives: Vxr
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6th Nov 11 at 13:46   View User's Profile U2U Member Reply With Quote

i thought the same as lee.

the guy has crashed into a parked car.
LeeM
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Registered: 26th Sep 05
Location: Liverpool
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6th Nov 11 at 13:49   View User's Profile U2U Member Reply With Quote

there to be seen is an argument or statement made in legal argument. its an appropriate defence that can be used even when someone is making a completely illegal manoeuvre
Paul_J
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Registered: 6th Jun 02
Location: London
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6th Nov 11 at 15:05   View User's Profile U2U Member Reply With Quote

So, should I phone his insurance on monday and just not mentioned the yellow line?

Just say 'this guy admitted liability, gave me his details etc...'

will this affect my premium at all long term? I'm half tempted to go out and t cut it... could probably push that dent out too.
LeeM
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Registered: 26th Sep 05
Location: Liverpool
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6th Nov 11 at 15:20   View User's Profile U2U Member Reply With Quote

ring his insurer ask them if they want to deal with it directly, its hit while parked and hes provided details and admitted hitting you so they should quite happily take the claim on to keep costs down.
he may be disputing full liability but the last word is down to the insurer not him
Paul_J
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Registered: 6th Jun 02
Location: London
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6th Nov 11 at 15:23   View User's Profile U2U Member Reply With Quote

ok Lee, you seem pretty hot on this stuff, do I even bother to tell my insurer?
AshWatson
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Registered: 18th Jun 10
Location: West Yorkshire
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6th Nov 11 at 15:29   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Paul_J
ok Lee, you seem pretty hot on this stuff, do I even bother to tell my insurer?


im not 100% clued up on this sort of thing but why would u contact your insurance ? contact his insurance as lee said stating he hit your parked car admitted his fault left details etc, have your car repaired properly job done and finished, why does your insurance need to know ? your only claiming from his insurance for a repair

i may be wrong and someone may be able to tell you but surely just as above hopefully easy for you
LeeM
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Registered: 26th Sep 05
Location: Liverpool
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6th Nov 11 at 15:30   View User's Profile U2U Member Reply With Quote

ive just left my job of 4 years as a claims handler
i wouldnt bother personally, see if his insurer will take on the claim for you that way your insurer doesnt find out and you dont get increased premiums. does depend on who his insurer is and who yours are though, if theyre part of the same group they may well share info
LeeM
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Registered: 26th Sep 05
Location: Liverpool
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6th Nov 11 at 15:32   View User's Profile U2U Member Reply With Quote

technically you should notify your own insurer of an accident immediately however i have never seen an instance where an insurer has done anything at all when a fault or non fault party has failed to report it even when ive been chasing unreported claims 12 months + after the accident.
Paul_J
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Registered: 6th Jun 02
Location: London
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6th Nov 11 at 15:52   View User's Profile U2U Member Reply With Quote

That's interesting Lee. Cheers for all your help
Ben G
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Registered: 12th Jan 07
Location: Essex
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6th Nov 11 at 16:04   View User's Profile U2U Member Reply With Quote

you might aswell let your own insurance company know mate as they always find out.

i had an accident in january 2007 and came off in january 2010. change insurance companies in july 2010 and they found out and charged me for this non fault accident (only had to declare to them 3 years worth), eventually got refunded but in your case, you wouldn't.
Russ
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Registered: 14th Mar 04
Location: Armchair
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6th Nov 11 at 16:17   View User's Profile U2U Member Reply With Quote

your insurance will probably go up unfortunately
Paul_J
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Registered: 6th Jun 02
Location: London
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6th Nov 11 at 16:18   View User's Profile U2U Member Reply With Quote

s2000's aren't cheap to insure
Russ
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Registered: 14th Mar 04
Location: Armchair
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6th Nov 11 at 16:24   View User's Profile U2U Member Reply With Quote

then i suggest you change insurer at renewal time and forget this ever happened, if you catch my drift
Tomnova16
Premium Member

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Registered: 21st Jan 06
Location: Gerrards Cross Drives: Porsche 911
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8th Nov 11 at 20:47   View Garage View User's Profile U2U Member Reply With Quote

sorry been in miami
do you still want an estimate mate


http://www.lemass.co.uk/ for all your automotive/bodyshop needs
Located in Chalfont st Peter
taylorboosh
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Registered: 3rd Apr 07
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8th Nov 11 at 20:49   View User's Profile U2U Member Reply With Quote

tom your websites still shite
Steve
Premium Member

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Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
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8th Nov 11 at 20:50   View Garage View User's Profile U2U Member Reply With Quote

just went on toms website and got a porn dialer
Rob E
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Registered: 1st Jan 06
Location: Madeley, Stafford....I want to live back in Wales!
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8th Nov 11 at 20:52   View User's Profile U2U Member Reply With Quote

It may be worth settling outside of the insurance as it doesn't look like a huge repair, you may even t-cut out the mark on the light.

Get some quotes and contact the guy and just say you are willing to settle outside of the insurance company if he is. That way it will save both parties insurance premiums rocketing
Tomnova16
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Registered: 21st Jan 06
Location: Gerrards Cross Drives: Porsche 911
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8th Nov 11 at 20:52   View Garage View User's Profile U2U Member Reply With Quote

quote:
Originally posted by john-d
tom your websites still shite


yep
its still being worked on


http://www.lemass.co.uk/ for all your automotive/bodyshop needs
Located in Chalfont st Peter
taylorboosh
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Registered: 3rd Apr 07
User status: Offline
8th Nov 11 at 20:55   View User's Profile U2U Member Reply With Quote

lol doesnt paul do webdesign or something geeky and similar? come to a deal

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