Ministryofdad Posted March 23 Share Posted March 23 Had a minor bump on Gorgie road just past the laich driving to chesser. Ken that private road opposite the old council building? Was about 18:38 just after bus lane was reopened. The lane towards prison before the lights was rammed coz of rush hour. The bus lane wasn't. And was free. Out of nowhere this lassie decided it was fine to attempt a 180 after a driver flashed her to go. Cross two lanes of on coming traffic without looking to see if anything was coming in the bus lane. Slammed on my brakes. Managed to give her a love tap. Scuffed my front bumper and cracked my front number plate. Their insurer has already admitted liability. What do I do next?! I've notified my insurance company. Their insurance had already called me. What do I claim for? Do I contact a lawyer and fight this for compensation ect. They want to pick up my car and assess it ect Never happened to me before in my 24 years of driving. The roads are getting worse and the driving even more so these days Quote Link to comment Share on other sites More sharing options...
Cranston Posted March 23 Share Posted March 23 Tell them you've got neck pain, and whiplash. Minimum 2 grand payout. Quote Link to comment Share on other sites More sharing options...
Cairneyhill Jambo Posted March 23 Share Posted March 23 Your insurance company will send out forms for you to fill in and you'll have to do daft wee drawings on how the bump happened. They'll then arrange for your car to be repaired. You'll have to pay the excess as set out in your policy. The two insurance companies will then argue between each other for about 6 months and if you win, you'll get your excess back. Quote Link to comment Share on other sites More sharing options...
Sooperstar Posted March 23 Share Posted March 23 What's wrong with you? What's wrong with your car? There is your answer. Quote Link to comment Share on other sites More sharing options...
Sooperstar Posted March 23 Share Posted March 23 Just now, Cairneyhill Jambo said: Your insurance company will send out forms for you to fill in and you'll have to do daft wee drawings on how the bump happened. They'll then arrange for your car to be repaired. You'll have to pay the excess as set out in your policy. The two insurance companies will then argue between each other for about 6 months and if you win, you'll get your excess back. The other party's insurer has already admitted liability, per the OP. Quote Link to comment Share on other sites More sharing options...
kila Posted March 23 Share Posted March 23 Get a dash cam Quote Link to comment Share on other sites More sharing options...
Cairneyhill Jambo Posted March 23 Share Posted March 23 (edited) 6 minutes ago, Sooperstar said: The other party's insurer has already admitted liability, per the OP. They can sometimes change their mind. That has happened to me a couple of times. I wouldn't trust anything insurance companies say Edited March 23 by Cairneyhill Jambo Quote Link to comment Share on other sites More sharing options...
been here before Posted March 23 Share Posted March 23 Compensation for a scuffed bumper and a cracked number plate? Quote Link to comment Share on other sites More sharing options...
Ulysses Posted March 23 Share Posted March 23 9 minutes ago, been here before said: Compensation for a scuffed bumper and a cracked number plate? I'd want the repair paid for. But other than that.... Quote Link to comment Share on other sites More sharing options...
Thunder and Lightning Posted March 23 Share Posted March 23 I hope your Samsung S24 and new touch screen laptop survived the crash... Quote Link to comment Share on other sites More sharing options...
Diadora Van Basten Posted March 23 Share Posted March 23 I was involved in an accident that was my fault. I just wrote up what happened and the insurance company took care of it. I don’t even know if the other party got compensation but assume they did. Quote Link to comment Share on other sites More sharing options...
been here before Posted March 23 Share Posted March 23 11 minutes ago, Ulysses said: I'd want the repair paid for. But other than that.... As any reasonably sane person would. Quote Link to comment Share on other sites More sharing options...
Ulysses Posted March 23 Share Posted March 23 1 minute ago, been here before said: As any reasonably sane person would. I dunno if the OP is looking for anything else. He says it's the first time he's had a tip, so maybe he's just asking what gives? Quote Link to comment Share on other sites More sharing options...
the posh bit Posted March 23 Share Posted March 23 37 minutes ago, been here before said: Compensation for a scuffed bumper and a cracked number plate? 27 minutes ago, Ulysses said: I'd want the repair paid for. But other than that.... 15 minutes ago, been here before said: As any reasonably sane person would. Reasonably sane OP? Quote Link to comment Share on other sites More sharing options...
Ulysses Posted March 23 Share Posted March 23 31 minutes ago, the posh bit said: Reasonably sane OP? I refer you to my post 13 minutes before yours. I'm not sure what else to say. Quote Link to comment Share on other sites More sharing options...
cazzyy Posted March 24 Share Posted March 24 3 hours ago, Cranston said: Tell them you've got neck pain, and whiplash. Minimum 2 grand payout. Those days are gone, difficult to get any decent amount now. Quote Link to comment Share on other sites More sharing options...
Bull's-eye Posted March 24 Share Posted March 24 5k in used notes can be clearly seen flying out the OPs top pocket and out the open window on collision, the wedge is seen being picked up by a huge Gull who flys off into the sunset. I'm happy to testify on the above as I saw everything. I'll take 50% for my trouble. Quote Link to comment Share on other sites More sharing options...
henrysmithsgloves Posted March 24 Share Posted March 24 2 hours ago, been here before said: Compensation for a scuffed bumper and a cracked number plate? They wrote my daughters polo off for rear bumper damage 😳 it was going to cost about two grand to repair 😳 I bought second hand one from flea bay, already the same colour for a hundred quid and fitted it myself. Then the insurance company said they want an engineer report or they were cancelling her insurance 😳 Luckily I still have mates in the motor trade 🤣 Quote Link to comment Share on other sites More sharing options...
luckyBatistuta Posted March 24 Share Posted March 24 8 hours ago, Cranston said: Tell them you've got neck pain, and whiplash. Minimum 2 grand payout. And here’s what’s wrong in society these days. No wonder our car insurance is so high with the amount of scam artists out there. 6 hours ago, been here before said: Compensation for a scuffed bumper and a cracked number plate? I tapped the back of a car, whose driver moved to go out from a side street on to a quiet main road, then instantly slammed on his brakes instead. I only just tapped him, maybe cracking his registration plate. I had dash cam footage to prove what happened. The other car was already really badly damaged before I tapped him and he implied at the scene that he was fine, but wouldn’t be later. He was an off duty cop and even though I supplied the video evidence to my insurance, they still paid him £11k for personal injury and hiring another car. Total scumbag🤬 Quote Link to comment Share on other sites More sharing options...
cazzyy Posted March 24 Share Posted March 24 4 hours ago, luckyBatistuta said: And here’s what’s wrong in society these days. No wonder our car insurance is so high with the amount of scam artists out there. I tapped the back of a car, whose driver moved to go out from a side street on to a quiet main road, then instantly slammed on his brakes instead. I only just tapped him, maybe cracking his registration plate. I had dash cam footage to prove what happened. The other car was already really badly damaged before I tapped him and he implied at the scene that he was fine, but wouldn’t be later. He was an off duty cop and even though I supplied the video evidence to my insurance, they still paid him £11k for personal injury and hiring another car. Total scumbag🤬 Again, it's not what is wrong with society. It's been largely fixed. Google "Whiplash Injury Regulations 2021" Car insurance is high because car insurance companies are scam artists. Quote Link to comment Share on other sites More sharing options...
luckyBatistuta Posted March 24 Share Posted March 24 54 minutes ago, cazzyy said: Again, it's not what is wrong with society. It's been largely fixed. Google "Whiplash Injury Regulations 2021" Car insurance is high because car insurance companies are scam artists. I myself know quite a few people who have claimed for whiplash injury when I know they were at it and there’s been nothing wrong with them. So people all over the place making fraudulent injury claims for personal financial gain isn’t wrong. It’s been widespread for years, you think that isn’t going to push prices up. It is what’s wrong in society, file with the cheque book scam, Amazon scam, etc. I know insurance companies are scamming folks too, but just because it’s easy to do, doesn’t make it right. Quote Link to comment Share on other sites More sharing options...
cazzyy Posted March 24 Share Posted March 24 1 minute ago, luckyBatistuta said: I myself know quite a few people who have claimed for whiplash injury when I know they were at it and there’s been nothing wrong with them. So people all over the place making fraudulent injury claims for personal financial gain isn’t wrong. It’s been widespread for years, you think that isn’t going to push prices up. It is what’s wrong in society, file with the cheque book scam, Amazon scam, etc. I know insurance companies are scamming folks too, but just because it’s easy to do, doesn’t make it right. Since the new legislation came in? I doubt it. Quote Link to comment Share on other sites More sharing options...
Herbert. Posted March 24 Share Posted March 24 Your insurance quote is gonna be sky high. Mine went from 50pm to 130pm after someone hit me, my no claims wasnt effected though 😄 Quote Link to comment Share on other sites More sharing options...
Jim_Duncan Posted March 24 Share Posted March 24 1 hour ago, luckyBatistuta said: I myself know quite a few people who have claimed for whiplash injury when I know they were at it and there’s been nothing wrong with them. So people all over the place making fraudulent injury claims for personal financial gain isn’t wrong. It’s been widespread for years, you think that isn’t going to push prices up. It is what’s wrong in society, file with the cheque book scam, Amazon scam, etc. I know insurance companies are scamming folks too, but just because it’s easy to do, doesn’t make it right. Exactly. These spangles that think they’re onto some easy money will be the first to complain when premiums go up. Quote Link to comment Share on other sites More sharing options...
cazzyy Posted March 24 Share Posted March 24 1 hour ago, Jim_Duncan said: Exactly. These spangles that think they’re onto some easy money will be the first to complain when premiums go up. Nope, doesn't work like that anymore. You carry on perpetuating the myth though. 👍 Quote Link to comment Share on other sites More sharing options...
Jim_Duncan Posted March 24 Share Posted March 24 52 minutes ago, cazzyy said: Nope, doesn't work like that anymore. You carry on perpetuating the myth though. 👍 So that dictionary wasn't just for squishing spiders then? Quote Link to comment Share on other sites More sharing options...
Spellczech Posted March 24 Share Posted March 24 23 hours ago, Cairneyhill Jambo said: They can sometimes change their mind. That has happened to me a couple of times. I wouldn't trust anything insurance companies say Dunno - I started a thread about my wife's car being stolen a week ago last Monday, well Admiral landed the money in her bank account last night (not even 2 weeks since the car was taken!) and what's more the settlement was only 9.5% less than what she paid for her car 5 years ago!... Quote Link to comment Share on other sites More sharing options...
il Duce McTarkin Posted March 24 Share Posted March 24 7 hours ago, Jim_Duncan said: So that dictionary wasn't just for squishing spiders then? Quote Link to comment Share on other sites More sharing options...
If carlsberg did rivals... Posted March 24 Share Posted March 24 10 hours ago, Herbert. said: Your insurance quote is gonna be sky high. Mine went from 50pm to 130pm after someone hit me, my no claims wasnt effected though 😄 £130 per month? Over £1500 per annum? May I ask where you park your Ferrari of an evening? Quote Link to comment Share on other sites More sharing options...
henrysmithsgloves Posted March 24 Share Posted March 24 46 minutes ago, Spellczech said: Dunno - I started a thread about my wife's car being stolen a week ago last Monday, well Admiral landed the money in her bank account last night (not even 2 weeks since the car was taken!) and what's more the settlement was only 9.5% less than what she paid for her car 5 years ago!... Win,win😁👍🏻 Quote Link to comment Share on other sites More sharing options...
Ministryofdad Posted March 24 Author Share Posted March 24 Quick update for everyone. Company is picking up my car tomorrow to assess damages. Took it to my father in law whos a mechanic. Told me that Front bumper is needing replaced. Front number plate also. Near side front suspension arm Offside front spring Front wheels will need a realignment. Break in the wiring loom along the front of the heating as pin is broken due to impact Causing abs light to malfunction to the right abs sensor. Car looks like it will be written off due to parts shortage (common insurance jargon) I have to refuse the first offer they give. If not satafifed with anything I have to go through solicitor. Really got the fear for driving now incase it happens again. Keep going over what I could have done different. I've got dashcam footage and their insurer keeps hounding me to accept an offer. Gonna call my insurance company tomorrow. Im fully insured. Got all bells and whistles. Gonna cast iron confirm I am in no way at fault and my premium and no claims remains intact. Do I leave it between insurance companies and wait for the outcome or do I go to a independent solicitor and seek proper legal advice. My father in law and mate said just go thought their insurance company and see what they offer. My car Just passed it's mot on a month ago. It had new springs, brakes, discs pads, shock absorbers. Tyres and it got serviced. The oil is not even black in it yet! And I bought a new multimedia system for it with reverse parking sensor. Got it detailed, waxed buffed, polished. This year I've spent almost £1600 knowing it was gonna last me another 3 years. Still keep thinking about it even with dashcam footage. I guarantee they will write it off. Let you know when I get it back. However long that will take Quote Link to comment Share on other sites More sharing options...
Ulysses Posted March 25 Share Posted March 25 I'm used to how insurance works in Ireland, so the Scottish way of doing things could be quite different, but here's my two cents' worth. 44 minutes ago, Ministryofdad said: Quick update for everyone. Company is picking up my car tomorrow to assess damages. Which company? Your insurers? 44 minutes ago, Ministryofdad said: Took it to my father in law whos a mechanic. Good for getting useful advice, but you might need more than that for dealing with insurers. 44 minutes ago, Ministryofdad said: Car looks like it will be written off due to parts shortage (common insurance jargon) I have to refuse the first offer they give. If not satafifed with anything I have to go through solicitor. Why a solicitor? In Ireland, you only tend to involve solicitors in the event of personal injury or a serious dispute between you and the insurers over valuations. 44 minutes ago, Ministryofdad said: their insurer keeps hounding me to accept an offer. That's your business, and ignore the pressure until you've discussed with your own insurers to your satisfaction. In fact, it's good advice to talk to your own insurer before talking to the insurers for the other driver. 44 minutes ago, Ministryofdad said: Gonna call my insurance company tomorrow. Im fully insured. Got all bells and whistles. Gonna cast iron confirm I am in no way at fault and my premium and no claims remains intact. Do I leave it between insurance companies and wait for the outcome or do I go to a independent solicitor and seek proper legal advice. Here, what normally happens is that you deal with your own insurers. They sort you out and then they recover from the other driver's insurers. That way, you get your loss sorted quicker and you leave the arguing to the experts. But as I said before things might be different where you are. 44 minutes ago, Ministryofdad said: My father in law and mate said just go thought their insurance company and see what they offer. I wouldn't do that (in Ireland) without at least running it by my own insurers. That's partly because the rules here are that you must inform your own insurers of any accident or claim that involves your car, even if you're not the one claiming. 44 minutes ago, Ministryofdad said: I guarantee they will write it off. Perhaps, but it's up to you to decide if the sums make sense. Once again I'm quoting the way business gets done here, but by letting your own insurer sort things you get the benefit of their expertise and access to loss assessors and the likes. In Ireland, insurers will also refer you to their preferred repair shops - more costly, but it's simpler and you're not paying. If your own insurers sort things out and it doesn't affect you negatively (no claims, and so on) then that's a good way to go. If you don't like what they have to say, and the other driver's insurers seem to be jerking you about, then you might have to think about either. I have no idea if the above is helpful in a Scottish context, but the main advice is to talk it through with your insurers before making any decisions. Quote Link to comment Share on other sites More sharing options...
Spellczech Posted March 25 Share Posted March 25 (edited) 8 hours ago, Ministryofdad said: Quick update for everyone. Company is picking up my car tomorrow to assess damages. Took it to my father in law whos a mechanic. Told me that Front bumper is needing replaced. Front number plate also. Near side front suspension arm Offside front spring Front wheels will need a realignment. Break in the wiring loom along the front of the heating as pin is broken due to impact Causing abs light to malfunction to the right abs sensor. Car looks like it will be written off due to parts shortage (common insurance jargon) I have to refuse the first offer they give. If not satafifed with anything I have to go through solicitor. Really got the fear for driving now incase it happens again. Keep going over what I could have done different. I've got dashcam footage and their insurer keeps hounding me to accept an offer. Gonna call my insurance company tomorrow. Im fully insured. Got all bells and whistles. Gonna cast iron confirm I am in no way at fault and my premium and no claims remains intact. Do I leave it between insurance companies and wait for the outcome or do I go to a independent solicitor and seek proper legal advice. My father in law and mate said just go thought their insurance company and see what they offer. My car Just passed it's mot on a month ago. It had new springs, brakes, discs pads, shock absorbers. Tyres and it got serviced. The oil is not even black in it yet! And I bought a new multimedia system for it with reverse parking sensor. Got it detailed, waxed buffed, polished. This year I've spent almost £1600 knowing it was gonna last me another 3 years. Still keep thinking about it even with dashcam footage. I guarantee they will write it off. Let you know when I get it back. However long that will take I had a no fault claim which resulted in a write off. It cost me financially as it was an old car with about 70k miles but still had plenty of life left in it (Mazda 3). Looking back I regret not making a PI claim as my head smacked the side window but I'm an honest person and I wasn't actually injured (was early 20s) What happened to me was I was going through a green light on the inside lane. There was a van in the right lane slowing down and indicating to turn right. Totally unsighted due to the van, a girl went through red light and appeared from in front of the van right in front of me. Nothing I could do. Basically had time only to go for the brake but I don't think I managed to slow at all...You do think about it, but truth is that the other driver made the error which caused the crash and I was driving at a reasonable speed. I could not have done anything differently... My experience with the loss adjuster was amusing. He called and said the car had done higher mileage than I had estimated, so had higher annual mileage. Then he said that the car was an early version for that year so a year older than I had claimed...I was immediately "woah, woah Woah" you want to reduce the value for both how old it was and higher mileage? If it is a year older then the average mileage comes down...He is like "oh yeah". I replied "How long have you been doing this job?" haha I also had some fun with someone from the insurer complaining about the mileage on the hire car I'd had for 2 weeks. Personally I didn't think I'd used it that much so still wonder if Enterprise pulled a fast one...However, he had the cheek to ask me where I'd been driving. In truth I had gone to Glenrothes to see some Velux Window blinds (was a long time ago) but but other than that it was just local work travel... I replied that I'd been "visiting a lot of garages because someone wrote my car off and I was shopping for a replacement" At that time I was with Direct Line. I didn't like them TBH - felt like they were against me even though it was a No fault claim! Edited March 25 by Spellczech Quote Link to comment Share on other sites More sharing options...
AndyNic Posted March 25 Share Posted March 25 On 23/03/2024 at 22:46, been here before said: Compensation for a scuffed bumper and a cracked number plate? Mental distress. Take the ***** for everything. **** the system. Quote Link to comment Share on other sites More sharing options...
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