Diego Napier
Well-known member
- Mar 27, 2010
- 4,416
Also whenever insurers get involved expect all premiums to go up considerably
Not true as long as she's correctly recorded the details of the driver who hit the rear of her car.
Also whenever insurers get involved expect all premiums to go up considerably
Hey all,
So someone I know was driving to work and whilst stationary was hit from behind. As a result of the impact she hit the car in front of her causing the cars to scratch and trade paint essentially.
At the time, the driver in front of her said it was fine and that all was needed was a simple T-cut.
Nothing was said until within the last hour the person I know received a vile voicemail from the woman demanding money off her immediately.
So, people of NSC, what is the situation here? Clearly it was not my friend's fault in this incident but the other woman seems to be furious all of a sudden despite leaving on good terms this morning and continued their normal everyday regimes...
Does my friend need to claim on her insurance? Does my friend need to pay this woman for a new paint job on her car?
Thanks in advance.
The bird in the front vehicle has probably been told by someone to try and mug your friend off, its the kind of shitty society we live in unfortunately
She may have been partly at fault if she should'vr had her handbrake on? It depends on the situation but it's amazing how few people bother with them these days.
This. Technically (and while it assumes everyone is perfect) I think the middle car is responsible for the car it hit as the driver should have left enough space between her and the car in front to prevent this situation arising. I'm not entirely sure that the car at the back is completely to blame - they may only be responsible for the car immediately in front of them. Plus, this way, it allows more insurance companies to be involved, and more money to be made by them (that's the cynical view, I guess).
But this situation is further complicated by the driver of said car in front saying everything is fine. Dodgy ground...
Sorry, but that's all wrong.
You need to look at negligence.
The only vehicle/party negligent is the third vehicle.
All claims would be directed to the third vehicles insurers.
It's really not dodgy ground. I see this every single day with the very same outcome each time.
Really don't mean to sound snarky, just trying to offer accurate/professional advice is all.
If you're stopped at a red light or waiting to turn right at a junction and you're only using your foot brake rather than your handbrake, then get shunted, doesn't that make you negligent too?
If you're stopped at a red light or waiting to turn right at a junction and you're only using your foot brake rather than your handbrake, then get shunted, doesn't that make you negligent too?
This. Technically (and while it assumes everyone is perfect) I think the middle car is responsible for the car it hit as the driver should have left enough space between her and the car in front to prevent this situation arising. I'm not entirely sure that the car at the back is completely to blame - they may only be responsible for the car immediately in front of them. Plus, this way, it allows more insurance companies to be involved, and more money to be made by them (that's the cynical view, I guess).
But this situation is further complicated by the driver of said car in front saying everything is fine. Dodgy ground...
Hey all,
So someone I know was driving to work and whilst stationary was hit from behind. As a result of the impact she hit the car in front of her causing the cars to scratch and trade paint essentially.
At the time, the driver in front of her said it was fine and that all was needed was a simple T-cut.
Nothing was said until within the last hour the person I know received a vile voicemail from the woman demanding money off her immediately.
So, people of NSC, what is the situation here? Clearly it was not my friend's fault in this incident but the other woman seems to be furious all of a sudden despite leaving on good terms this morning and continued their normal everyday regimes...
Does my friend need to claim on her insurance? Does my friend need to pay this woman for a new paint job on her car?
Thanks in advance.
This. Technically (and while it assumes everyone is perfect) I think the middle car is responsible for the car it hit as the driver should have left enough space between her and the car in front to prevent this situation arising. I'm not entirely sure that the car at the back is completely to blame - they may only be responsible for the car immediately in front of them. Plus, this way, it allows more insurance companies to be involved, and more money to be made by them (that's the cynical view, I guess).
But this situation is further complicated by the driver of said car in front saying everything is fine. Dodgy ground...
Sorry, but that's all wrong.
You need to look at negligence.
The only vehicle/party negligent is the third vehicle.
All claims would be directed to the third vehicles insurers.
It's really not dodgy ground. I see this every single day with the very same outcome each time.
Really don't mean to sound snarky, just trying to offer accurate/professional advice is all.
Almost none of that is accurate. And as we have no info on why the accident happened its all hearsay. This sort of accident is usually caused by sudden braking. If the first car did so, the second stopped (correctly) in time to prevent a shunt, but had no time to apply handbrake? The third car clearly was at fault for both contacts.
From this I can deduce that you have never worked in insurance!
As an insurance man...
A worse case scenario is your friend's insurer will pay out and recover their costs from the other insurance company. For a period of time until they have they money back, the claim will be treated as a fault claim. This will effect any renewal which occurs in the meantime. Once they have their money back (including refunding any excess your friend had to pay out), they will switch the claim to non-fault (and correct the renewal paid if any). This *may* have an impact on future insurance renewals depending on whether your friend has had other incidents.
What's the case for someone rolling back into the front of your car on a hill - who is liable then? I thought that the person behind was ALWAYS to blame (Maybe that's where my thinking came from)?
I imagine the woman who hit your friends car could be responsible for all the repair bills. Best advise the insurance company and hope your friend has got the correct and genuine insurance and address details plus reg no of the car that hit her. The insurance companies will sort it. I'd advise your friend to tell the person she hit that it's being dealt with by the insurance company. I wouldn't'agree to pay or evenhave any further contact with the woman she hit. Leave it to the insurance company.
If your friend hasn't got the details of the person who hit her, it's going to be a problem.
Difficult scenario.
Without witnesses, the insurers would likely split liability 50/50 depending on version of events/interview etc.
It's down to proof.
Car at the back (in your scenario), Insurer: "prove to me that the vehicle in front rolled back", Policy Holder: "I can't, he just rolled backwards into me".
If the Third Party (roller) admits liability, easy case.
If the Third Party denies and states PH hit him in the back, difficult. Likely split liability.
Typically, the person at the back is usually at fault as he's not allowing a safe braking distance but that's only in the simpler cases.