Car accident - i'm soooo worried! - what are your opinions....?

MaryAnn L

Did you have any witnesses .. this happened to me.. their fault ..so your insurance wont be affected,, their insurance also paid for a hired car for me until i got another car,, DONT WORRY

Scouse

Look on the face of things it is not your fault. She drove into you, not the other way round.
Your insurance will be affected until the claim is settled or liability is fully admitted so you will almost certainly have to pay an increased premium (subject to no claims insurance) until the matter is settled and then you should get a refund, It is best to check with you r insurance Company. It depends on how fast the matter is settled.

quierounvaquero

If they were pulling into the street that you were already on, clearly it is their fault. And I cannot think of any situation where the side of your car and the front of their car can be damaged, and it not be their fault lol.

Stop worrying, make yourself a nice cup of hot chocoate and to bed!

debs

dont worry yourself hun and dont listen to the people who tell you any different, you do get people on here that say thing just because they dont know the right answer, not funny in your case, anyway... you had already commited therefor you had the right of way and like it has already been stated above, once the insurers get all info regarding whos car had what damage and where....it will be obvious to both companies that because the damage to your car was on the side the other person hasnt a leg to stand on, even if they do not accept liability, she could say it was your fault but she would be pretty thick if she did, dont worry hun, all will be cool. Stay safe and take it easy.
Debs. xx

PARADOX

Has she formally accepted liability ? if so you should have no problems in the end it is the insurance firms job to sort out any claims that is part of what you pay them for if it is found not to be your fault you will be OK as the other persons insurance pays for the repair to your car and should pay you for any out of pocket expenses you incur while awaiting the matter to be resolved keep any receipts you get for calls, postage etc etc and the claim should be resolved in a reasonable amount of time sounds like you should be fine best of luck

Helen

Your policy will not be affected until the accident has been investigated .

As you were travelling on the main road and the driver came out of a junction there is absolutely no way you might be held responsible regardless of what the other driver says .

Don't worry .

oohbetty

Firstly you need to contact your insurance company so they can make a claim on your behalf to repair the damage to your car and I'm sure you will have nothing to worry about. Did you take her name, address and insurance company details and pass this to your insurers? By the way your insurance won't be affected if it's not your fault. Don't worry it will be fine! Don't listen to Tonalc1. I've had people crash into me and I've never had my insurance go up or heard of it. It will only affect the insurance of the other person.

Mitch Connor

Your insurance is fine or should be. If she can prove you were going too fast she could get u. How much damage done?

Sounds like its her fault, u can't have been speeding by the sounds of it, and she should have seen u pull out. Therefore she could have averted collision. Hope all goes well.

xxx

rustyham99

if your not at fault let your insurance handle it , that's what you pay them to do . tell your agent to keep you informed of the progress. if you are found at fault you have the option to settle out of court and keep this off your driving record.

Loo

It's definitely not your fault so don't worry and No your premium will not go up as you are claiming on their insurance and not yours. Just call your broker and give them the details of the other driver. Good luck.

mbrcatz

Well, she doesn't get the OPTION to accept liability, her insurance company is going to make that call. So sure, she can try to blame you. Depending on your state laws (because it varies!) you could be found partially at fault, or not at all. YOUR AGENT is the person who can give you state specific information.

If their insurance company accepts fault, it shouldn't affect your insurance at all. Actually, if you don't have the renewal quote yet, you will any second - so even if it DOES (and it shouldn't, but go back to your agent and ask), it won't hit until NEXT year.

wonkyfella

Take photos of the damage to your car. And photos of the place it happened (Take as many as you can, from all different angles, show road markings, signs etc)

Put in everything in writing as you remember it now (as you will forget).

It is up to the two insurance companies to determine blame, and as long as you send them all photos, and give them all details of the incident, they will fight your corner relentlessly.

Most important of all, don't worry about it! You're not hurt, and that is all that matters.

Bren

if u were on the main road and she pulled out of a side road then it is her fault. dont worry too much insurance should sort it out just tell the truth.

alison b

talk to your insurance co, your covered( dont worry) a cars not worth it. if its the other drivers fault it will not cost you

other wise you will really sound like a drama queen

LDS4LIFE

It's good that you are asking for opinions. I think that's good so you can hear the different perspectives and arguements from different individuals who have either experienced a similiar accident or have evaluated them as I did for 6 years.
I know the arguments and what others perceive occured based on their observations. I think I can help with some of those. The arguments is, who had the greater duty of lookout and who's responsibility it is to yield the right of way to the other. Did you have any liability or "look out" from your position as you entered the roadway? Or, did you "contribute" to the accident? Most of the time, the person entering the roadway and strikes another vehicle is at fault. My concern is that you had entered the roadway only 10 yards before the other vehicle. This is a very short distance and will be questioned by the other claims rep.

Were you completely in the roadway at the time of the accident?
Where is the damage on your vehicle?
Did the other driver pull onto the roadway as you were completing your turn onto the roadway?
Were there any witnesses that can help state to both insurance companies the facts of the loss?

If the other insurance company is "stalling" or calling you back to get more information, you can bet that there may be issues with liability.

From what you stated, it appears that the other party is "mostly" at fault. The question will be is if there is any liability on your part. Let the insurance companies fight this one. Make sure to know the facts inside and out. If you have already spoken to the other person's insurance company, don't do it anymore unless they accept full responsibility.

I'm sorry if this worries you, but it's just my honest observation.

gary c

go to your doctors with a stiff neck and put a claim in for whip lash worth another Â£1000 for you and pays for any inconvienience and depreciation of your car

absolved lemon

if your in a car accident if its your fault or the other drivers fault stop! leave the car where it is, phone the cops if anybody asks you to move the car so they can get past tell them to go fuc'k themselves this car aint moving untill the cops come. people can say what they hell they like, if you have the cops state the facts then your safe. dont take the other persons acceptance of blame as written in stone. if they dont cough up the cash and have legal cover with their insurance you've a battle on your hands. i got my head put through a car window, as i was lying on the ground this bitc'h came up and asked me could i move my bike from the middle of the road as she had to get home. i wont repeat what another car driver told her as she phoned the ambulance and cops for me. report it to the cops keep yourself right! and have the driver done if possible for reckless driving.

sasha_mocha

Did you file a police report? If she pulled out in front of you it sounds like she should be a fault for not seeing you & not controling her car.

tonalc1

You cannot keep this off your driving record, as one poster above said. And unfortunately, whether or not it was your fault, your premium is going to go up.

Platobeenz

Ok, worry. Then think about this. The loser will not be the new insurance company. If there is a loser, it will be you. Stop worrying. Start saving.

Enter Your Message or Comment

User Name:
User Email:
Post a comment: