GolfGTIforum.co.uk
Model specific boards => Golf mk7 => Topic started by: gti1234 on 24 February 2016, 12:16
-
Hi All.
I’ve been a lurker here for two years now since owning my mk7 GTI but I was just looking for some advice!
I was involved in 3 car accident today.
Basically what happened was:
The first car stopped first and then I stopped behind the first car. I must admit that I braked a little late but still left a safe distance between my car and the first car in a stationery position. The third car (which was the last car) went into my GTI pretty hard which caused my car to bump into the first car. All cars suffered superficial damages. In the end, all three drivers took pictures of each other’s cars and exchanged contact details.
Later I contacted the owner of the first car and we both agreed that both our cars were stationery and that my car was pushed forward by the last car.
I have still to contact my insurance company as I am concerned that premiums may potentially outweigh the costs of repairing damages privately.
Should I contact insurance to let them know what happened as the owner of the first car seems quite friendly and thinks that there isn’t really any damage to her car at all.
If we were to all go down the insurance route, would the person at the back be liable for all damage?
Thanks in advance.
-
If you both were stationary then car who rear ended you is liable for it all.
Had a similar accident about 10 years ago when a pensioner turned round to his grandkids and failed to stop in stop and go traffic.
I'd be more worried about your rear end - if it actually pushed you forward enough to hit another car. When this happened to me there was significant damage to rear (although immediately apparent as he pushed me 1/3m forward with my handbrake on).
I had a little knock on the back a while in my mk7 too..... luckily no damage at all (had to flash the other driver after she drove off to get her details just in case....). Even if there is only superficial damage use a camera phone and record a video.... there is a cutout at the bottom that you can use to get in to see if bumper mounts and crash domes are damaged or mounts for parking sensors are f**ked.
-
Are you claiming for any damage to your car ? as there are two of you involved who, presumably, will be blaming the third car then anything your insurer pays for repair to your car should be able to be claimed back off the third car's insurance company (your insurer will do this). You will then not lose your no claims discount (if it's not protected). This assumes your insurer deems the third car to be at fault. Were there any independent witnesses who can verify this? If your insurer thinks its not 100% the fault of the third car then they may try to reach a 50/50 settlement with the third car's insurer.
-
Sorry to hear about your accident gti1234. At least it sounds as if no one was hurt.
Regarding whether or not you notify your insurer; I'd check the small print in your motor insurance policy. Most insurers have a condition in the small print that requires you to notify them of incidents such as this, irrespective of whether or not you were at fault.
-
The biggest downside of going through the insurance is that even if the third party is 100% at fault you still have to notify other insurers when you get a renewal quote.
So even though your no claims is intact you're still notifying them of a claim!
My bro in-law was an insurance assessor for a while and he said that it's something all insurers use as they say that statistically once you've had a claim, you're more likely to have another...
Which basically spells out that you can dress up statistics any way you like to suit yourself if you're the one writing the small print and therefore have the world by the balls.
-
I thought that the car that you got pushed into would claim off your insurance and your insurance would then claim for that money from the insurance of the guy who ran into you and your insurance would also claim for the damage to your car
-
As stated above, most insurance companies require you to inform them of such incidents as soon as reasonably possible.
The rearmost car is liable for all damage caused in the accident... but it may take a while to sort...
-
I thought that the car that you got pushed into would claim off your insurance and your insurance would then claim for that money from the insurance of the guy who ran into you and your insurance would also claim for the damage to your car
No, you each claim for any damage of your own insurance and then the insurers try and recover their costs from the party who is deemed at fault, in this case the car at the back.
-
If you both were stationary then car who rear ended you is liable for it all.
Had a similar accident about 10 years ago when a pensioner turned round to his grandkids and failed to stop in stop and go traffic.
I'd be more worried about your rear end - if it actually pushed you forward enough to hit another car. When this happened to me there was significant damage to rear (although immediately apparent as he pushed me 1/3m forward with my handbrake on).
I had a little knock on the back a while in my mk7 too..... luckily no damage at all (had to flash the other driver after she drove off to get her details just in case....). Even if there is only superficial damage use a camera phone and record a video.... there is a cutout at the bottom that you can use to get in to see if bumper mounts and crash domes are damaged or mounts for parking sensors are f**ked.
I think if some hits your car and that impact caused you to hit another car then you are at fault for hitting that car.
-
I thought that the car that you got pushed into would claim off your insurance and your insurance would then claim for that money from the insurance of the guy who ran into you and your insurance would also claim for the damage to your car
No, you each claim for any damage of your own insurance and then the insurers try and recover their costs from the party who is deemed at fault, in this case the car at the back.
I had a similar accident a few years ago but I was the first car stopped at the lights. I claimed from the person behind me as they were deemed to be at fault because they didn't leave enough safe room from my car. They lost their no claims bonus as well.
-
If you both were stationary then car who rear ended you is liable for it all.
Had a similar accident about 10 years ago when a pensioner turned round to his grandkids and failed to stop in stop and go traffic.
I'd be more worried about your rear end - if it actually pushed you forward enough to hit another car. When this happened to me there was significant damage to rear (although immediately apparent as he pushed me 1/3m forward with my handbrake on).
I had a little knock on the back a while in my mk7 too..... luckily no damage at all (had to flash the other driver after she drove off to get her details just in case....). Even if there is only superficial damage use a camera phone and record a video.... there is a cutout at the bottom that you can use to get in to see if bumper mounts and crash domes are damaged or mounts for parking sensors are f**ked.
I think if some hits your car and that impact caused you to hit another car then you are at fault for hitting that car.
Not so, the person whose "fault" it was the accident occurred in the first place, their insurer pays for damage to all the cars
-
Juicetin is right. If someone pushes your car into another then that act is beyond your control.
-
Juicetin is right. If someone pushes your car into another then that act is beyond your control.
Looks like the guy that hit me was screwed over by either mine or his insurance companies or maybe it was both of them.
It took them 7 weeks to fix my car and in that time I had a 62 reg Range Rover Sport. When I got the car back the list of stuff they replaced was down right disgusting. They replaced all 5 seatbelts even though I was the only one in the car amongst other things like a front wheel and tyre that had a tiny bit of kerbing on it.
Total ripoff merchants the lot of them.
-
Juicetin is right. If someone pushes your car into another then that act is beyond your control.
Looks like the guy that hit me was screwed over by either mine or his insurance companies or maybe it was both of them.
It took them 7 weeks to fix my car and in that time I had a 62 reg Range Rover Sport. When I got the car back the list of stuff they replaced was down right disgusting. They replaced all 5 seatbelts even though I was the only one in the car amongst other things like a front wheel and tyre that had a tiny bit of kerbing on it.
Total ripoff merchants the lot of them.
would you rather they tried a cheap re-furb on the wheel instead and never replaced the tyre :whistle:
-
Juicetin is right. If someone pushes your car into another then that act is beyond your control.
Looks like the guy that hit me was screwed over by either mine or his insurance companies or maybe it was both of them.
It took them 7 weeks to fix my car and in that time I had a 62 reg Range Rover Sport. When I got the car back the list of stuff they replaced was down right disgusting. They replaced all 5 seatbelts even though I was the only one in the car amongst other things like a front wheel and tyre that had a tiny bit of kerbing on it.
Total ripoff merchants the lot of them.
would you rather they tried a cheap re-furb on the wheel instead and never replaced the tyre :whistle:
I would rather they fix what was damaged in the accident rather than replace things like wheel that I damaged myself months before the accident. It is a view like your that has the rest of us paying so much for our insurance.
-
Juicetin is right. If someone pushes your car into another then that act is beyond your control.
Looks like the guy that hit me was screwed over by either mine or his insurance companies or maybe it was both of them.
It took them 7 weeks to fix my car and in that time I had a 62 reg Range Rover Sport. When I got the car back the list of stuff they replaced was down right disgusting. They replaced all 5 seatbelts even though I was the only one in the car amongst other things like a front wheel and tyre that had a tiny bit of kerbing on it.
Total ripoff merchants the lot of them.
would you rather they tried a cheap re-furb on the wheel instead and never replaced the tyre :whistle:
I would rather they fix what was damaged in the accident rather than replace things like wheel that I damaged myself months before the accident. It is a view like your that has the rest of us paying so much for our insurance.
yeah right my view is the reason your paying so much for insurance :grin: and you never said you caused the damage to the wheel outwith the accident in your 1st post
-
Juicetin is right. If someone pushes your car into another then that act is beyond your control.
Looks like the guy that hit me was screwed over by either mine or his insurance companies or maybe it was both of them.
It took them 7 weeks to fix my car and in that time I had a 62 reg Range Rover Sport. When I got the car back the list of stuff they replaced was down right disgusting. They replaced all 5 seatbelts even though I was the only one in the car amongst other things like a front wheel and tyre that had a tiny bit of kerbing on it.
Total ripoff merchants the lot of them.
would you rather they tried a cheap re-furb on the wheel instead and never replaced the tyre :whistle:
I would rather they fix what was damaged in the accident rather than replace things like wheel that I damaged myself months before the accident. It is a view like your that has the rest of us paying so much for our insurance.
I would rather they fix too much than too little, or be phoning me up every 5 mins to ask me the pre-crash condition of a catalogue of parts that they would otherwise assume were untouched. In the grand scheme of things, that wheel and tyre were probably small potatoes next to the whole cost of the repairs.
Perhaps the seatbelts were all replaced because the pretensioners all went off and the seatbelt units include pretensioners as bought in. So much throwaway tech now, and when that tech is safety tech, i'd be glad they replaced them just in case.
-
Juicetin is right. If someone pushes your car into another then that act is beyond your control.
Looks like the guy that hit me was screwed over by either mine or his insurance companies or maybe it was both of them.
It took them 7 weeks to fix my car and in that time I had a 62 reg Range Rover Sport. When I got the car back the list of stuff they replaced was down right disgusting. They replaced all 5 seatbelts even though I was the only one in the car amongst other things like a front wheel and tyre that had a tiny bit of kerbing on it.
Total ripoff merchants the lot of them.
would you rather they tried a cheap re-furb on the wheel instead and never replaced the tyre :whistle:
I would rather they fix what was damaged in the accident rather than replace things like wheel that I damaged myself months before the accident. It is a view like your that has the rest of us paying so much for our insurance.
yeah right my view is the reason your paying so much for insurance :grin: and you never said you caused the damage to the wheel outwith the accident in your 1st post
Sorry but I thought it would be common sense that someone driving into the back of you wouldn't damage a front wheel.
The typical claim culture now days does have everyone paying more for insurance.
-
Juicetin is right. If someone pushes your car into another then that act is beyond your control.
Looks like the guy that hit me was screwed over by either mine or his insurance companies or maybe it was both of them.
It took them 7 weeks to fix my car and in that time I had a 62 reg Range Rover Sport. When I got the car back the list of stuff they replaced was down right disgusting. They replaced all 5 seatbelts even though I was the only one in the car amongst other things like a front wheel and tyre that had a tiny bit of kerbing on it.
Total ripoff merchants the lot of them.
would you rather they tried a cheap re-furb on the wheel instead and never replaced the tyre :whistle:
I would rather they fix what was damaged in the accident rather than replace things like wheel that I damaged myself months before the accident. It is a view like your that has the rest of us paying so much for our insurance.
I would rather they fix too much than too little, or be phoning me up every 5 mins to ask me the pre-crash condition of a catalogue of parts that they would otherwise assume were untouched. In the grand scheme of things, that wheel and tyre were probably small potatoes next to the whole cost of the repairs.
Perhaps the seatbelts were all replaced because the pretensioners all went off and the seatbelt units include pretensioners as bought in. So much throwaway tech now, and when that tech is safety tech, i'd be glad they replaced them just in case.
There was hardly any damage to my car.
-
Juicetin is right. If someone pushes your car into another then that act is beyond your control.
Looks like the guy that hit me was screwed over by either mine or his insurance companies or maybe it was both of them.
It took them 7 weeks to fix my car and in that time I had a 62 reg Range Rover Sport. When I got the car back the list of stuff they replaced was down right disgusting. They replaced all 5 seatbelts even though I was the only one in the car amongst other things like a front wheel and tyre that had a tiny bit of kerbing on it.
Total ripoff merchants the lot of them.
would you rather they tried a cheap re-furb on the wheel instead and never replaced the tyre :whistle:
I would rather they fix what was damaged in the accident rather than replace things like wheel that I damaged myself months before the accident. It is a view like your that has the rest of us paying so much for our insurance.
yeah right my view is the reason your paying so much for insurance :grin: and you never said you caused the damage to the wheel outwith the accident in your 1st post
Sorry but I thought it would be common sense that someone driving into the back of you wouldn't damage a front wheel.
The typical claim culture now days does have everyone paying more for insurance.
not if your hit forward in to the curb it happens all the time :smiley:
-
Sorry but I thought it would be common sense that someone driving into the back of you wouldn't damage a front wheel.
The typical claim culture now days does have everyone paying more for insurance.
Depends on the directionality of the rear shunt. I had a shiny new MK5 Golf 170TDI GT Sport, 2 weeks old and 400 miles on the clock get clipped (hard) by a bus when it was parked up. Although it was a rear shunt, the car was also pushed into the kerb, gouging the front passenger side wheel and tyre.
Insurance companies are to blame for inflated claims generally, not claimants. They're not charities, they get their mark up on every increased cost.
I was pursued to make a personal injury claim, despite not being in the car when it happened, the "legal" cover charged the other side about £470 a week rental for a Golf 1.9TDI Match, and dragged out the repair - after 10 days all the parts (2 new wheels, new front bumper and grille, rear bumper, rear quarter panel, lots of rear axle components) were ready to go, after 5 weeks my car still hadn't been touched, on the legal team's orders. I blew a fuse with the legal team and work started shortly after, taking 2 weeks.
-
I got rear ended a few years ago . I stopped at lights , car behind stopped at lights , Nugget behind while waving at his pals outside COURT didn't notice cars stopped and hit her who in turn hit me .
I contacted insurance who stated I had to claim off her and she would claim off him and then I could claim back my excess of him as well .I kicked off as he was insured with same company as me and after a few arguments I ended up claiming off him through my insurance .
You should be claiming off the third party at the back who caused the bump .
Years later I still get these damn phone calls trying to get me to claim for inconvenience , injuries etc etc . Now just tell, them away ! ! ! One lot wanted 40% of whatever they got me .Tossers
-
Hi All,
I am the original poster for this thread and just to give you all an update on the situation.
Firstly I contacted my insurer Admiral to tell them that my car (2nd car) and the car in front (1st car) of mine were both stationery when the car behind me (3rd car) bumped into my car. I also informed them that the owner of the first car had gone through her insurance telling the exact same story.
In this initial stage, Admiral said that it was likely that the 3rd car insurance would be liable for damages to my car and 1st car. Admiral didn’t want to confirm it but basically implied I had a strong case. They offered to me put me through to Albany Assistance which I initially accepted but I changed my mind due to bad online reviews (nuisance calls/texts from personal injury lawyers) and if the 3rd car insurance denied liability then I would have been liable for damages. Anyway, I asked Admiral to take the case off Albany Assistance.
So exactly a month since my claim, Admiral called me to say 3rd car insurance had admitted liability. My NCB remains unaffected and my excess was waived. My car will be taken into repair to the nominated garage and I will get a courtesy car.
Thanks to everyone responding to this thread. Much appreciated!
-
Hi All,
I am the original poster for this thread and just to give you all an update on the situation.
Firstly I contacted my insurer Admiral to tell them that my car (2nd car) and the car in front (1st car) of mine were both stationery when the car behind me (3rd car) bumped into my car. I also informed them that the owner of the first car had gone through her insurance telling the exact same story.
In this initial stage, Admiral said that it was likely that the 3rd car insurance would be liable for damages to my car and 1st car. Admiral didn’t want to confirm it but basically implied I had a strong case. They offered to me put me through to Albany Assistance which I initially accepted but I changed my mind due to bad online reviews (nuisance calls/texts from personal injury lawyers) and if the 3rd car insurance denied liability then I would have been liable for damages. Anyway, I asked Admiral to take the case off Albany Assistance.
So exactly a month since my claim, Admiral called me to say 3rd car insurance had admitted liability. My NCB remains unaffected and my excess was waived. My car will be taken into repair to the nominated garage and I will get a courtesy car.
Thanks to everyone responding to this thread. Much appreciated!
Good to see you are getting it sorted out. What was the car that hit you?