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Was in an accident this morning :( Advice needed

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Old 03-06-2008, 08:47 PM
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RS_Ant
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Default Was in an accident this morning :( Advice needed

Happened in birmingahm this morning, coonting lorry drivers. My first car on the second day of my NEW job. Because im only 3rd party fire and theft ( could'nt afford fully comp, FPF&F was £1100 ) my insurance company basically dont wanna know. I was waiting around a round about pulling out and he thought he could be clever and cut around me, what he ment was cut though me

As my insurance have pretty much left it to me is there anything i can do? Any advice from anyone who has been in a simular situation?




Some might laugh because it was only a KA but it was my first and i loved it
Old 03-06-2008, 08:48 PM
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Kevin_Mc
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if the lorry driver was in the wrong surely its through his/his company's insurance.
Old 03-06-2008, 08:52 PM
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Originally Posted by Kevin_Mc
if the lorry driver was in the wrong surely its through his/his company's insurance.
I just dunno whats going on, ive been hit by some twat and no one has told me anything
Old 03-06-2008, 08:54 PM
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BM08
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yeah if it aint your fault then its nothing to do with you, hes got to sort it all out and get your car sorted.
Although you still have to tell your insurance id think?
Old 03-06-2008, 08:55 PM
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COMEDY DAN
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Were the police called?

You should have called them, they would have decided whos fault it was.

If you have both left the scene, there is no proof whos fault it was, sorry.

Hopefully the lorry driver will admit fault.

If you think he was in the wrong, and left without talking with you to guage who was at fault then I would ring the police and have him done for leaving the scene of the accident.

Last edited by COMEDY DAN; 03-06-2008 at 08:56 PM.
Old 03-06-2008, 08:55 PM
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BigChuck
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get a good lawyer, they will claim off his insurance.
Old 03-06-2008, 08:55 PM
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Originally Posted by VW_08
yeah if it aint your fault then its nothing to do with you, hes got to sort it all out and get your car sorted.
Although you still have to tell your insurance id think?
Yea ive told my insurance, they just took some details and that was it.
Old 03-06-2008, 08:56 PM
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if someone hits you, you claim off their insurance, thats the third party bit?
did you get his details? or call the police?
Old 03-06-2008, 08:56 PM
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It's his fault so provide his details (name, reg plate etc etc) to your insurers and let them deal with it.
Old 03-06-2008, 08:59 PM
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All he gave me was

1. His name
2. The company he works for ( was a company lorry )
3. The name of his boss
4. The number of his work.

He did'nt give me the reg plate of the lorry i hasd to get it from a photo i took. He stayed for prolly 5-10 minutes then he fooked off.
Old 03-06-2008, 08:59 PM
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Surely its your insurance companies duty to chase the claim for you????
Old 03-06-2008, 09:01 PM
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Originally Posted by RS_Ant
He did'nt give me the reg plate of the lorry i hasd to get it from a photo i took. He stayed for prolly 5-10 minutes then he fooked off.

I would report him to the police mate.

If he has given you his company details, tha tis almost an admission of liability.

If he thought he wasnt at fault he would have kept on to his details.
Old 03-06-2008, 09:07 PM
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Originally Posted by COMEDY DAN
I would report him to the police mate.

If he has given you his company details, tha tis almost an admission of liability.

If he thought he wasnt at fault he would have kept on to his details.
I gave him mine, all my details, my address, contact numbers....EVERYTHING.

And he gave me what i listed ealier, his company name and the name of his boss.
Old 03-06-2008, 09:10 PM
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Originally Posted by COMEDY DAN
Were the police called?

You should have called them, they would have decided whos fault it was.

If you have both left the scene, there is no proof whos fault it was, sorry.

Hopefully the lorry driver will admit fault.

If you think he was in the wrong, and left without talking with you to guage who was at fault then I would ring the police and have him done for leaving the scene of the accident.

When my mrs had her accident she phoned the police as the bloke who hit her was getting proper arsey about it. They said is anyone injured, she said no, so they said sorry we won't come out.

Old 03-06-2008, 09:12 PM
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That is garbage isnt it...... Civil Matter? madness...
Old 03-06-2008, 09:17 PM
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yeah i know, young lass in the middle of nowhere just been shunted by an irate bloke and they wouldnt do fook all. Luckily her car was still driveable so she got his details quick and got on her way.
Old 03-06-2008, 09:19 PM
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Originally Posted by jungleistmassiv
When my mrs had her accident she phoned the police as the bloke who hit her was getting proper arsey about it. They said is anyone injured, she said no, so they said sorry we won't come out.

don't they just have to give a crime reference number then the insurance companies battle it out
Old 03-06-2008, 09:21 PM
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if it's a company vehicle then they only have to give you the head office contact details and their name and it's up to you to get the details and check them, otherwise it's you who are left high and dry

we have an insurance form where the thrid party fills in all their details and there is a perforated bit at the bottom with ours to give to them in return

get the details to the insurance company, get a number from plod (they'll give you a form to fill in and then process it) and then start chasing your insurance company, after all, that's what you've paid them the money for
Old 03-06-2008, 09:22 PM
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and the police only come out if there is an injury or the vehicles are blocking the road
Old 03-06-2008, 09:23 PM
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Originally Posted by COMEDY DAN
Surely its your insurance companies duty to chase the claim for you????

not if you're tpft im afraid!

some cunt hit my maxo outside work a month ago ripping the front bumper off. my witness saw the fucking lot but the artic lorry driver fucked off. because she never got the reg i need another witness. gotta "find" one
Old 03-06-2008, 09:24 PM
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btw i know exactly which company it was and they admitted they had so eone in the area!!
Old 03-06-2008, 09:32 PM
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Originally Posted by jungleistmassiv
When my mrs had her accident she phoned the police as the bloke who hit her was getting proper arsey about it. They said is anyone injured, she said no, so they said sorry we won't come out.
to get the 5-0 out after an accident just say you are gonna get irate and kick the fuck out of the person who hit you. They will be there in a shot
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