Car accidents and delays

Mooncat · Post by **Mooncat** » Sat Jan 24, 2009 11:13 pm

My daughter and her girlfriend have been very unlucky with their transports just lately. Three weeks ago, my daughter was going around one of those mini roundabouts, perfectly properly, when a guy cuts across and rams the offside corner of her Rover. He got out, looked, said, "No damage, no damage", pulled the broken number plate off his car, and when my daughter got out her phone to call the police, said "No police, no police", and drove away. She gave the police his number, and they are still making enquiries. It seems that he may not have a valid British driving licence, and therefore invalid insurance. And as of today, had not informed his insurance company! At first, her insurance company said they'd write her car off, but now it seems that it's going to be repaired. She has a voluntary excess of £450, and the garage won't do any work until she pays it over, so she's borrowed it off us, She is still suffering pain from the collision and has lost time from work. Her girlfriend has a car which they both could use, until today that is. Friend was out in the car, pulled up to allow another driver to turn off(without signalling) and a young bloke in a car slammed into her backend, shunting her into the car in front. So the friend is in pain, has no vehicle to get to work, and no money to get another(her car, R reg, damaged at both ends will almost certainly be written off) I don't know about the insurance situation, but it looks as if it will be a long drawn out battle.

Steve the Gas · Post by **Steve the Gas** » Sun Jan 25, 2009 6:40 am

handyman · Post by **handyman** » Sun Jan 25, 2009 8:11 am

what a bloody nightmare, i feel sorry for them.

IDontBelieveIt · Post by **IDontBelieveIt** » Sun Jan 25, 2009 9:21 am

Sorry to hear of these problems Mooncat.

I would actually be in favour of having to have some kind of indication on the outside of every vehicle that the driver has a valid driving license and insurance. Some countries do this.

Thus they run the risk every time their take out their illegal vehicle on our roads of being spotted by anyone; police, traffic wardens, even Joe Soap public can then report any car they see parked - when the owner returns they can be rightly nicked.

Only problem is that we don't have police on the street any more they all stay in nice warm and air-conditioned offices playing virtual investigations and arrests on computers.

Geewizz · Post by **Geewizz** » Sun Jan 25, 2009 10:33 am

First thing to grab, after you have switched off the engine, is a camera. If you don't have one on your phone, get a cheap digital camera or a disposable one and put it in your glovebox. Be snap happy and photograph the driver's face, the damage to both cars and long shots of the whole scene. Make sure you get the number plate.

I agree with IDBI that there should be a visual identifier on vehicles that displays evidence of insurance. Perhaps it's time that vehicle manufacturers were forced to build cars with immobilisers which require a chipped key to override them. The chip should only communicate with the immobiliser if tax, insurance and MOT are all in order.

village idiot · Post by **village idiot** » Sun Jan 25, 2009 11:09 am

In Eire they have discs in the windscreen for Tax, MOT equivelent & Insurance

feva · Post by **feva** » Sun Jan 25, 2009 11:17 am

if the insurance company wont pay out theres a governing body that all insurance companys pay into, and you can try a claim of them , cant remember the name of it, not sure if it will help you, but might be a idea to bear it in mind

IDontBelieveIt · Post by **IDontBelieveIt** » Sun Jan 25, 2009 11:29 am

Sorry I was not to clear - the tax disc is sort of evidence of having a valid MOT and Insurance what I meat was some kind in indication of validity on the number plates at front and back of the vehicle such that if Mr. Uninsured, No Tax, No MOT, No Nuffing is merrily driving along all he needs is a police car or anyone for that matter to pull up behind him in a traffic queue and he is dead in the water.

Hitch · Post by **Hitch** » Sun Jan 25, 2009 12:53 pm

Motor insurance bureau...

http://www.mib.org.uk/NR/exeres/5DD086A ... 0F4DA9.htm

Tryanything · Post by **Tryanything** » Sun Jan 25, 2009 1:03 pm

If you have problems with the insurance company

Contact the MIB

Motor Insurers' Bureau
MIB was established in 1946 as a private company limited by guarantee
for the purpose of entering into Agreements with the Government to
compensate the victims of negligent uninsured and untraced motorists.
Every insurer underwriting compulsory motor insurance is obliged, by
virtue of the Road Traffic Act 1988, to be a member of MIB and to
contribute to its funding

Mooncat · Post by **Mooncat** » Sun Jan 25, 2009 10:13 pm

Hitch wrote:Motor insurance bureau...

http://www.mib.org.uk/NR/exeres/5DD086A ... 0F4DA9.htm

Thanks, I'll pass the details on.

feva · Post by **feva** » Sun Jan 25, 2009 11:54 pm

my brothers wife car had a nieghbours ridge tile fall on the roof, took 6 weeks to get a new roof from fiat the nieghbour house insurance wouldnt cover it as it was act of good, the nieghbours didnt other to pay for the damage only any extra it would cost the sisiter in law on her insurance! , two after that a different nieghbour backed in to the car writing it of

so she got a c3 and in december the roads got gritted it rained on top of that and froze so it got gritted again, rain on top of that and froze she went round a corner and skid got hit head on, broke her pelvis in two places, my brother got her another c3, hes using it as she cant drive, this morning a chunk of cement of the edge of the roof fell of and hit the new car!

thescruff · Post by **thescruff** » Mon Jan 26, 2009 12:01 am

Was your Brother born lucky feva

I'd a given up by now.

Steve the Gas · Post by **Steve the Gas** » Mon Jan 26, 2009 5:09 am

Whats wrong with all the roofs round your way??

feva · Post by **feva** » Mon Jan 26, 2009 6:28 pm

thescruff wrote:Was your Brother born lucky feva

I'd a given up by now.