someone crashed into me ,

[andyroo]

Give Europa Consultants a call 0845 058 9966

Just sorted me out. Very good people.

 

[micallef1990]

cheers andy i will give them a ring. yeah i indicated he said i did it last min but i didnt

 

[Fabian]

looks bad...

but didn´t you call the police?

didn´t they clear the situation by asking what is happened and tell you whos fault it was?

 

[micallef1990]

didnt call the police mate. just found out i have legal cover and my excess is 250.

 

[mugglesquop]

right, you have legal cover, so you can have solicitors acting on your behalf. Get on to them, tell them that you do not think you were in the wrong.

If you have a courtesy car, and the accident is the other persons fault, it is paid for by their insurance. otherwise, you have to pay for it.

Your insurance doesn't cover your car. Your car will be fixed/written off if it isn't your fault, if it does turn out to be your fault, then its up to you to repair or get rid of it. The blame will be down to the insurance companies to sort out.

make sure you write down everything you can remember, time, weather conditions, other vehicles and draw a sketch. its surprising how much you can forget.

The most important thing at the moment is to get on to your insurance to sort out solicitors (solicitors are paid for by your insurance, no matter what happens).

I'm in the middle of a claim at the moment, legal protection is a great thing to have.

Good luck

 

[Pinkorstink]

It might be worth getting a picture of the raod layout on Google maps to help with your illustration of the situation. I too am going through a claim and I used this to good effect recently. Example:-

 

[andyroo]

Europa are very good. I had a guy knock me off on a roundabout which nearly always go 50/50 and they got me full price for my bike within two months. They are faultless.

 

[Ste666]

Really bad luck mate, i have lived around there all my life and it's the last place you would expect something like that to happen,the guy probably thought you were slowing down for no reason so just decided to overtake you, can't think of any good reason why he would do that there!
i would fight it all the way though, the insurance will say it's 50/50 just to make it easier for them but if you did nothing wrong then stick to it but like others have said do loads of detailed maps and sketches, it will all help.
I take it this is where you mean?
http://maps.google.co.uk/maps?f=d&s...4417,-1.789951&spn=0.002305,0.009012&t=h&z=18

 

[Chili Red]

Fight it! Hope it all gets sorted soon.

It might be worth getting a picture of the raod layout on Google maps to help with your illustration of the situation. I too am going through a claim and I used this to good effect recently. Example:-

That's a bloody dangerous junction, I can see how that happened.

 

[TimR26]

Hope this gets sorted out in your favour. Should have called the Police out as thats dangerous driving IMO. I'd go back to the accident spot and see if there's any cctv that could help your case.

 

[micallef1990]

Really bad luck mate, i have lived around there all my life and it's the last place you would expect something like that to happen,the guy probably thought you were slowing down for no reason so just decided to overtake you, can't think of any good reason why he would do that there!
i would fight it all the way though, the insurance will say it's 50/50 just to make it easier for them but if you did nothing wrong then stick to it but like others have said do loads of detailed maps and sketches, it will all help.
I take it this is where you mean?
http://maps.google.co.uk/maps?f=d&s...4417,-1.789951&spn=0.002305,0.009012&t=h&z=18

yeah thats the street mate. yes i am going to fight through it. i dont want to go 50 50. but there was no witnesses just somebody in my car but that doesnt matter. i might just print that picture off

 

[micallef1990]

also got my courtesy car a 58 plate one litre yaris

 

[Rob]

Make sure you take mugglesquop's advice though mate.

Write down everything you can remember about it.

Time
Weather
etc
etc

Don't just print out that link mate, or if you do, draw on it with a marker to make it clear where exactly it happened etc.

Sounds like he was in the wrong mate, wrong side of the road, speeding, etc.

 

[Ste666]

Hope it all turns out ok for you mate

 

[micallef1990]

Hope it all turns out ok for you mate

cheers mate i will let you all know how it goes. am propper gutted :dapprove:

 

[micallef1990]

just gave just car clinic a call. and they said the damage is over 4 grand. so it is props going to be a write off

 

[dannyjenks]

just gave just car clinic a call. and they said the damage is over 4 grand. so it is props going to be a write off

Probs sounds more like definatly.

Im surprised at that quote after my experience with something similar but then again you are at a recognised company getting it repaired whereas i used a back street kind of garage.

Gutted for you pal anyway and hope getting the non fault claim for you goes well for you now

 

[Ste666]

just gave just car clinic a call. and they said the damage is over 4 grand. so it is props going to be a write off

I guess in that case you have to fight it or you would end up with nothing

 

[micallef1990]

yeah if it goes 50 50 then i will just get half of my cars worth back. so i would only get a grand back at most

 

[Rob]

I thought if it went 50 50 you basically paid for your owns cars? And seeing as you are fully comp that would have to come out of your pocket.

Not sure if I'm right though.

 

[micallef1990]

am only third party fine and theft bud

 

[Mike_182]

You'll get nothing then.

 

[Inactive]

Thrid Party will only cover the person you hit if it was your fault

 

[Snails]

If it goes 50/50 and you have TPFF then you won't be getting anything back unfortunately.

 

[JCC]

If it goes 50/50, your insurance pays for the damage to the other party's vehicle, and their insurance pays for the damage to yours.

 

[Pinkorstink]

If it goes 50/50, your insurance pays for the damage to the other party's vehicle, and their insurance pays for the damage to yours.

Not sure it does, 50/50 means each insurer takes care of their own and it just leaves the uninsured loss to worry about. If he's tpft he won't get a bean.

 

[Snails]

If it goes 50/50 and you have TPFF then you won't be getting anything back unfortunately.

My mistake, after reading more into this, it looks like JCC is correct. You can claim 50% of your damages back from the other insurer.

 

[Russ.]

Looking at that pic you posted it looks to me as though you were overtaken on hatched lines? In which case isnt that classed the same as overtaking on double white lines?

If that is the case then that puts him in the wrong having commited an endorsable offence. I could be wrong but id say its worth enquiring about.

 

[micallef1990]

yeah i was in a section just to turn right after a zebra crossing and he overtook me on my right side, also going on the other side of the road. my car is deffo going to be a right off. whats a quickish car with a low insurance group?

 

[micallef1990]

bumpy bump. not been sorted yet, deffo fighting over 50/50. but insurance have rang and said my car is a write off as there was over 4000 pounds of damage. i should be getting a cheap zetec s next week, but i will have lost my 2ync so insurance is around 1800 third party again. or 2100 fully comp

 

[DannoTheGreat]

ya fucked!

 

[jenic]

Yet another reason i hate living near Bradford this, sure it could happen anywhere but it seems more likely to happen in Bradford. I was only telling my parents today that within 4 years i plan to live outside of West Yorkshire altogether.

I would agree though, fight it all the way, and i mean all the way. A lot of the time to save hassle your insurers will tell you scare stories to make you settle 50/50, dont believe them, just fight it all the way.

As for your insurance, tell your new company about your situation, and if you do get your 2 years ncd back they should give you the extra on the premium you have paid for having no bonus back.

 

[micallef1990]

yupp if it goes 50/50, i will only get half the value of my car back then the excess taken away. so they rang and said my car was worth 2100. and my excess is 250 so i will only get around 900 if it goes 50/50 so am gutted

 

[jenic]

yupp if it goes 50/50, i will only get half the value of my car back then the excess taken away. so they rang and said my car was worth 2100. and my excess is 250 so i will only get around 900 if it goes 50/50 so am gutted

It also pisses me off that the other party wont accept full liability, when it wouldn't affect him at all and he was guilty.

Edit: just remembered a similar thing happened to my Auntie in guess where?, she kept fighting and the other party gave in eventually, took over a year though.

 

[K1NGY]

:dead:

 

[micallef1990]

thats what i was worried about how long it would take. but iam going to get this fiesta and go with endsleigh. adian flux who i am with now said it would be 2800 third party with them. so they can forget that lol. at least i will have a car to use whilst all this gets sorted because it may take ages.

 

[philmots]

I thought 50/50 gives you half the settlement...

I had an accident in a work vehicle last year, nearly a full year ago that was 100% the other guys fault.. they have offered 50/50 which meant of the 2200 injury claim i had i would recieve 1100.

This is still going through now as i wont settle for 50/50, solicitors and barristers are all involved at present LOL.

 

[micallef1990]

this still hasn't been sorted and it has been over a year now

 

[RoryW]

I had a similar crash whilst being a passenger in an RST in 2001. Clio (ironically) did exactly the same thing as what happened to you and we (driver and i ) got full pay out for car and injuries. No questions from the start, even the attending policemen said it straight from the start.

 

[micallef1990]

That was the silly thing I didn't get police after the accident.