Plum Posted April 21, 2017 Share Posted April 21, 2017 Sorry to hear of the accident DM and a finger problem can make a big difference to your life if it doesn't heal well so take it easy!! Surely if a moving car hits a stationary car then the car that's moving will always be at fault and their insurance will pay up I've probably missed something in your post. Good luck anyway. Quote Link to comment Share on other sites More sharing options...
The Dogmother Posted April 21, 2017 Author Share Posted April 21, 2017 Surely if a moving car hits a stationary car then the car that's moving will always be at fault and their insurance will pay up I've probably missed something in your post. Good luck anyway. That's my assumption too Plum One would be forgiven for thinking that this could be resolved quickly The driver drove off, so my first concern was that he wasn't insured; turn out that he is.... with the same company as me. Insurance company is being a bit dim they called the other day and asked for photos of the damage to my car and finger - I had already emailed them across when asked; they evening of the accident. I sent them again, both as JPGs and a PDF file. Chap rang me mid-week to say that he hadn't seen the files, so couldn't assess the damage I sent them again, while he was on the phone, so he could see them ping into the box. This is all getting rather wearing. Quote Link to comment Share on other sites More sharing options...
soapdragon Posted April 21, 2017 Share Posted April 21, 2017 Delaying tactics, DM. They will string out as long as poss....however, I am sure that you will not let them get away with anything! Go, girl! Quote Link to comment Share on other sites More sharing options...
Plum Posted April 21, 2017 Share Posted April 21, 2017 They'd be a bit sharper if it was another insurance company. If you had lost the finger it would be a tidy sum. You're seeing a consultant so you'll have the evidence. When I had a car accident the insurance company sent me to see an orthopaedic surgeon who encouraged me to lay it on thick for injuries. I didn't have lasting injuries and didn't lie so didn't get much compensation but I know the amount for legal fees for the claim was high. Guess they'll not be so keen to claim against themselves. Quote Link to comment Share on other sites More sharing options...
The Dogmother Posted April 21, 2017 Author Share Posted April 21, 2017 Yes, i am concerned that that is what's delaying them. The other driver hasn't helped himself though by not stopping and not reporting the accident. I still have part of his van in my back seat... wonder if he'd like it back.... I will wait until this afternoon, then prod the insurers Quote Link to comment Share on other sites More sharing options...
The Dogmother Posted April 21, 2017 Author Share Posted April 21, 2017 Sooo, the insurers have been in touch; they have finally seen the photos I sent, and will be assessing the damage today. I hope to hear back by close of play as I am back at work next week, and it will be more difficult for them to reach me. They did tell me that the owner of the van hasn't responded to their requests to get in touch; OH wonders if the owner wasn't driving the van themselves, and perhaps the driver wasn't insured on it. Quote Link to comment Share on other sites More sharing options...
mullethunter Posted April 21, 2017 Share Posted April 21, 2017 What happens if he ignores it? Quote Link to comment Share on other sites More sharing options...
The Dogmother Posted April 21, 2017 Author Share Posted April 21, 2017 Ahhh, so I can partly answer that... The insurers have rung me back, and on the evidence of the photos I sent them, the car has been written off I am still driving it, but carefully and on short journeys only. They have offered £1,700 write-off value, which is probably about right. For my excess of £200 + £38, I can buy it back so that I can continue to use it until I can buy another car (Gaawwwd, the hassle is endless). So the answer to that is that they can settle without speaking to the other party. I haven't accepted this offer yet. I have spoken to my legal cover, and they are going to pursue him for damages (broken finger) and they are also going to find a dog-friendly hire car for me to drive. We are sort of getting there, although I will only be able to replace like with like, but that's all I need at the moment. Quote Link to comment Share on other sites More sharing options...
soapdragon Posted April 21, 2017 Share Posted April 21, 2017 Hmmm, clearly not ideal but better than it could have been (if you get my meaning ) Hope the finger improves quickly. Quote Link to comment Share on other sites More sharing options...
Plum Posted April 22, 2017 Share Posted April 22, 2017 Progress, a relief for you to get a reasonable offer already at least you can plan but sounds like it could be a fight for the finger compensation but hopefully the legal department does it all for you. Perhaps the police would shake him up or is it too late to report it? Quote Link to comment Share on other sites More sharing options...
The Dogmother Posted April 22, 2017 Author Share Posted April 22, 2017 I reported it the next morning, Plum. After I had been to A&E; they will be inviting him in to present his documents, pending a prosecution for failing to stop after an accident. I am going to ask if they have heard from him. Quote Link to comment Share on other sites More sharing options...
Plum Posted April 22, 2017 Share Posted April 22, 2017 That's good, what an idiot he is. Don't know that you'll be able to do much personally to speed him up but he can't ignore the police. Quote Link to comment Share on other sites More sharing options...
Purplemaniacs Posted April 23, 2017 Share Posted April 23, 2017 Sorry to hear about your accident DM. Good job you saw what happened and got his number. Sorry to hear about your finger, I hope it is starting to feel a bit better. I did try to post a few days ago but Omlet wouldn't let me for some reason and kept saying there was an error, hopefully this will work. I hope you get everything sorted out soon. Chrissie Quote Link to comment Share on other sites More sharing options...
Geoid Posted April 23, 2017 Share Posted April 23, 2017 They did tell me that the owner of the van hasn't responded to their requests to get in touch; OH wonders if the owner wasn't driving the van themselves, and perhaps the driver wasn't insured on it. The owner of the van must disclose who was driving at the time. It is an offence not to. It is also an offence not to produce documents when requested to do so. This doesn't look good for the owner (and driver) of the van. I hope your finger is feeling better! Quote Link to comment Share on other sites More sharing options...
The Dogmother Posted April 23, 2017 Author Share Posted April 23, 2017 Thanks F, that is helpful to know. Finger looks a lot more normal now, but is still sore and doing some things is a challenge. Plan formulated now.... accept their offer of write-off value and buy back car; mechanic friend will buy it from me for a bit more than the release price. Get hire car sorted, and look online for another old 4x4. I like to have a plan! Back at work tomorrow, so will be very busy, and little time to get it all organised. Quote Link to comment Share on other sites More sharing options...
Cinnamon Posted April 24, 2017 Share Posted April 24, 2017 Sorry to hear this Clare.....what a pain in the bum (& finger!) Quote Link to comment Share on other sites More sharing options...
Alis girls Posted April 24, 2017 Share Posted April 24, 2017 Wish you and the finger better soon. Quote Link to comment Share on other sites More sharing options...
Plum Posted April 24, 2017 Share Posted April 24, 2017 Good to hear you're mending Quote Link to comment Share on other sites More sharing options...
The Dogmother Posted April 24, 2017 Author Share Posted April 24, 2017 Hmm, daft developments; the legal cover, having told me that I MUST have a courtesy car as mine wasn't roadworthy (they would say that as they get a commission for arranging it) now won't give me one as the other party isn't contactable. Not sure what relevance that has, but I have accepted 'without prejudice' the insurance company's offer for writing it off and letting me keep my car. I will continue to drive it carefully until I can get another one, when a mechanic friend wants to buy it off me for parts. Quote Link to comment Share on other sites More sharing options...
Geoid Posted April 24, 2017 Share Posted April 24, 2017 What write off category was your car given? A, B, C or D? Quote Link to comment Share on other sites More sharing options...
The Dogmother Posted April 24, 2017 Author Share Posted April 24, 2017 It was a C Quote Link to comment Share on other sites More sharing options...
The Dogmother Posted May 3, 2017 Author Share Posted May 3, 2017 Just an update on this; the write-off offer was accepted, not enough to get another one the same, but found a lovely one on Autotrader in Birmingham. A year older, but quite a lot less mileage and in brilliant nick. Very pleased indeed. Sort of good news on the 3rd party... he had disappeared, but after prompting turned up at the police station and gave a statement admitting his guilt - said that he was 'distracted when he dropped a cigarette in his lap', Hmmm, wonder if he was on the phone! The odd thing is that he gave them a new address and when I looked it up on google maps, it doesn't seem to exist! Still waiting for news on the settlement for the hand injury, could take ages as the solicitors are doing a Legal Wheelbarrow impression - still where you left it when you stop pushing. Quote Link to comment Share on other sites More sharing options...
Luvachicken Posted May 3, 2017 Share Posted May 3, 2017 So glad that you managed to get a 'new' car sorted. Never heard the wheelbarrow expression before but it did make me laugh I hope everything gets sorted soon. Quote Link to comment Share on other sites More sharing options...
Valkyrie Posted May 3, 2017 Share Posted May 3, 2017 Wheelbarrow! New to me too! Glad you've found a good replacement and all's going well. DD has just had her car back after someone hit her from behind. Woman had been tailgating but unfortunately a deer jumped out in front of DD and she braked. Woman didn't. Luckily her man was with her. How's the injury? I couldn't have a plaster on my ankle - some sort of allergic reaction (bright red and extremely itchy and burning sensation) so moon boot it was. Quote Link to comment Share on other sites More sharing options...
The Dogmother Posted May 4, 2017 Author Share Posted May 4, 2017 Finger is healing quickly Val, just achy and stiff now. Quote Link to comment Share on other sites More sharing options...
