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General => Insurance => Topic started by: Tory on 19 August 2008, 11:50
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i was driving through a busy town yesterday, as i went over a hump back bridge, a learner driver bus came into my lane as the bridge is tight, as i braked to slow down(although i was doing an ok speed, he must have been speeding), i skidded down the bridge, swerved to miss cars on my offside, lost control and my rear end smacked into a land rover, i ploughed side on into a wall, hit a punto and then hit a lamp post.
the punto will just need 2 panels replacing but the land rover will need more, and the wall is pretty ill looking.
no one stopped so i have no witnesses, the bus didnt stop and i didnt get a very good description of it, and i have written my £5000 beautiful euro lupo off.
the police have been involved, and i have informed my insurance. my excess is £500 and it wasnt even my fault. yet the driver drove off.
will i be the one who gets hit by this, because its not actually fair as the police checked how the accident happened. and pretty much agreed with me. does anyone know much about the untraced drivers agreement or the insurance bureau that helps with this kinda thing
helppp!!
thanks! :-)
one hell of a distressed 19 year old girl here
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did anyone actually hit you?
or did you jsut swerve? if you swerrved then it seems you have caused the accident, unless i am mistaken. Best bet is to ring your insurance company and explain what has happened and they'll tell you whether you are at fault or not i guess, but im sorry to say it seems like you are to blame as the vehicle didnt hit you, i hoe you don't get into trouble for driving without due care and attention!
if the police are involved it seems thye will be able to trace the bus that ws travelling down that road at X time and if it was a learner there will be witnesses that will be able to say whether he was at fault or not - e.g the instructor. Sorry its not looking positive from my side!
hope you get sorted one way or another!! :)
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well lets hope i dont get done for that,
i was driving fine, its because the bus has gone into my lane, if having a head on collision was the end up of it.
im devastated cos my car was my pride and joy
ive got terrible whiplash and at the moment i'm in bed with a neck brace on,
i've collapsed twice since the accident
so really i can understand if i was doin 80 and wrapped my car round a tree,
i think i'm going to write into the local paper of that town to appeal for witnesses
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if i was due to the neglegence of other drivers that it happened then they should have stopped when the accident happened, and if it was a learner bus driver they are easy to identify.
but it does appear like it would stand to be your fault, as you did hit the other vehicles and iirc if you hit someone then you are to blame regardless of what they did, e.g people who pull out without looking can sometimes claim off the other person who hit them... even though they pulled out stupidly..
this is not all cases, and to be honest it is up to the insurance company what they think when given all of the facts.
Hope you recover soon.
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yeah but pulling out when you can see a car, is a bit silly
trying to swerve to save a head on collision with a massive bus isnt really that silly
the roads were wet and slimy
so i think its the weather conditions too
there was a load of immigrants on their way for job interviews injured down the road from me on the way to alton towers
and there were 2 accidents on my way to the hospital
these weather conditions just arnt good
ive had 3 phone calls so far gathering more information about the accident
and i hope a witness comes forward. keep your fingers crossed forr mee
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I would put an advert in the local paper asking if anyone see the accident. Then I would go to the local bus garage and Kick em in the bollo#x. Buses are fitted with cameras these days so it would have proberly been caught on there. Have words with em and say you aint happy. Always helps if you take a couple of big fellas with ya. Hope you get it sorted. :angry:
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yeahh ive spoken to the paper, and i think they will try n do somethin for me
cos i was cryin on hte phone
i dont think it will have a camera, cos it was an old bus
thats all i can properly remember
i'm just dreading someone saying i was speeding or something
il be gutted then
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yeahh ive spoken to the paper, and i think they will try n do somethin for me
cos i was cryin on hte phone
i dont think it will have a camera, cos it was an old bus
thats all i can properly remember
i'm just dreading someone saying i was speeding or something
il be gutted then
I would check I would have thought they would have to have them on the buses used for learner drivers. Fingers crossed for you hun.
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have youy contacted a lawyer??? as said if you swerved and lost control, then it is your fault, you should always be able to stop in the distance you can see, and it sounds like you did quite a lot of damage, iv been convicted for driving without due care and attention twice and on both occasions the accident wasnt my fault but i was still charged, just as long as they dont try to do you for dangerous driving as it was a built up area and you went through a wall and hit some parked cars, they cant do you for speeding if they dont have any evidence, dont suppose there is any cctv cameras neer where you crashed?????? always a good bet if there is even if they didnt catch the crasht hey might have got the number of the bus, anyway unlucky hope your neck get better :cool:
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I was involved in an RTA not too long ago (27.05.08) and had my car written off (see sig.). The car that hit me did so in avoiding a car coming the other way head on (or that was his story anyway!) and he was held responsible for the accident - despite denying responsibility for 8 weeks :angry:!!!
I appreciate that you were avoiding an accident by the sounds of things, but you cannot create an accident by avoiding one and not be held responsible unfortunately. I hope you get it all sorted soon.
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As bad as it sounds, you probably should of let the bus hit you, but obviously alot worse could of happened to you then. I'm not surprised of what you did considering you were in you pride and joy, because I would of done the same as you, but point being, you made something else happen as a result of avoiding something, that's ultimately your responsibility, and that's the way they look at it right?
I hope you don't get blamed but only time will tell me thinks.
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I think you could be unlucky on this one, a mate of mine was going home late one night and as he went round a bend a car came towards him on his side of the road, he obviously swerved to avoid a head on but ploughed into two parked cars in the process. Legaly it was his fault as he was the one who crashed into the other cars and there were no witnesses to confirm his story about the other car being on his side of the road.
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been told when doing lots of driveing in vans, Don't ever swerve unless you have to, if you have to swerve swap paint. i know it sounds daft but swerving is the best way to miss something and crash into something else more expensive, also if you swerve and hit something it's your fault, but if you try and avoid it but swap paint they hit you ( providing you were obeying all relevant rules at the time ) and if you hit anything else afterwards due to trying to avoid it, they hit you before that so that goes down as there fault ( you hope )
it's sad to say it but i don't think anyone involed in an accident would stop and admit anything, unless they had panel damage or cctv proving it even then they will still argue it, 2ndly no one will ever admit anything, or offer to be a whiteness unless have to.
hope you have a quick recovery, and best of luck dealing with insurance companys
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Good point mate. I had a woman who side swiped me when I had my 328 she was overtaking on the chevrons she stopped after I shouted at her to pull over because she was actually gonna drive off. Exchanged details and then my insurance company tell me that shes got a witness and that I pulled out on a roundabout and when you looked at the car you could see the paint marks on the arches. But because the lying cow said she had a witness thats what they were going by wasnt until I said "I dont think so shes lying", they actually sent an investigator to find out couldnt get hold of the witness for months and months and they finally got a leter back saying "I cant remember what happened yesterday let alone last week" :shocked:
So luckily got all my no claims back but if I hadnt argued and said that im not having that I would have lost 3 years ncb. :angry:
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The problem here is by the sounds of it the bus didnt suddenly pull out but was in the middle of the road when you saw it and you didn't have enough room to break after seeing it. Unfortunately insurance companies will go on well you should have been driving to a speed where when you came to the bridge you could have stopped, for example what if a car was broken down on the bridge on your side of the road. Sounds like the insurance will go against you anyway.