1. This site uses cookies. By continuing to use this site, you are agreeing to our use of cookies. Learn More.


Morzy Mar 26, 2009

  1. firebobby

    firebobby Member


    A little late (I'll grant you that). But, as time has proved, regardless of your pleas of innocence, you have been judged to be in the wrong!!!
    Now, had you rammed him in the side, it would have been far easier to apportion blame, as it would have easier to prove that he had pulled out on you.
    Of course his defence would then have been that you were speeding! I wasn't saying that you were telling porkies in the first instance, just that there are two sides to every story and, on a one make forum everyone assumes the guy in the "one make" is in the right.
    Anyway, I'm glad the cars sorted, but take care at insurance renewal time, because a personal injury claim against you will bump up your premium as sure as night follows day........(protected policy accepted).
  2. Khufu

    Khufu Well-Known Member

    No surprises there. I guess his head rest couldnt have been set correctly to stop his head whipping back :think:

    I wouldnt refuse to admit liability under any circumstances & dont let your insurance company accept too. Retort by claiming personal injury for your whiplash :gun2:

    Who is it that/ confirms personal injury? A Dr? Specialist? Somebody independant?

    Thanks to a guarenteed bogus claim our insurance went up £2K this year :mad:
  3. scottie123

    scottie123 (●̮̮̃•̃) (●&#

    Didnt you say that your wife was in the car at the time of the accident.

    Surely she would be able to stand as a witness to what actually happened?

    Not to hot on all this nut just a thought in case it may help.

    I am presuming he had no witnesses also?
  4. Morzy

    Morzy Member

    My wife was in the car, so i thought that she would be able to be a witness, but as she is a spouse she would not remain impartial, so the insurers will not even here her side of things.

    Oh well, gues i will have to just fight it and see how i get on!

    Thanks for your comments guys
  5. Cali

    Cali Member

    Keep fighting it Morzy - hope it goes ok, glad your car is fixed though.
  6. Slipp Digby

    Slipp Digby Member

    glad to hear that you've got you car sorted. i am sympathetic to you situation.

    main thing is that your insurance company is dealing with the claim, so pass all the correspondence onto them, thats why you have it. if the accident was staged, then the insurance company will follow up any suspicions they have.

    bottom line is, when you hit the back of someone the insurance company will take the cheapest option which is to apportion 100% blame to you, and not fight it at all. unless you have third party witnesses or CCTV footage, you are very unlikely to be able to prove otherwise.

    I know from experience that you cannot force an insurance company not to settle, even when you know you are in the right (left hand drive truck rammed me off the M6 changing lanes then accused me of entering his lane got a 50/50 on my record and a wrote off car).

    The only thing to learn from these incidents is that you need to document everythjing and try as hard as possible to get a third party witness - which unfortunately isnt always possible in every case.

    there are a lot of misguided comments on here about not claiming on insurance. you need to tell the insurers about any incident which could result in a claim to prtoect yourself (which you have done)

    a claim for personal injury can be made (i think) up to 6 years after, and for damage i think the limit is 3 years.

    if you dont declare accidents at renewal you risk your insurance being revoked in the event of a claim.
  7. consilio

    consilio Up the owls!

    Someone mentioned on here about getting a mate to say that they were a witness to the accident (not in the car with you, but as a random pedestrian or other driver)

    Why didn't you just do that? I would imagine its a bit late now as you will have already stated that there was only one witness
  8. 10blazin


  9. Slipp Digby

    Slipp Digby Member

    do you want to share a cell with bubba?

Share This Page