Advice needed - was hit by another car and they are trying to stitch me up
24 December 2007, 06:06 PM
#31
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Andy the Jock may have a worthwhile opinion here. As far as Im aware the car leaving the roundabout has right of way, although: claims sorted out in call centres usually take the path of least resistance..... What you choose to accept is a different matter though.
Simon
Simon
24 December 2007, 06:16 PM
#32
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You really need a witness or two fella as it's your word vs hers otherwise 
Best of luck though.
If I ever see an accident happening I'll always stop to hand out my business card. It's amazing how less likeley people are to make up stuff if there is a witness ...
TX.
Best of luck though.If I ever see an accident happening I'll always stop to hand out my business card. It's amazing how less likeley people are to make up stuff if there is a witness ...
TX.
24 December 2007, 07:53 PM
#33
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You hear about insurance companies using lie detection 'stuff', well why not offer to take a proper one and have her do it too? I bet if she was guilty she wouldn't take it and if she did she'd be found out? Dunno why these aren't offered in these situations.
24 December 2007, 11:35 PM
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24 December 2007, 11:38 PM
#37
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its a very good idea, but unfortunately lie detector tests arent permissable to be used in court as evidence. Michael Shields the football fan jailed in bulgaria but no in prison over here has just passed one in prison, but alas it means nothing in the british justice system
24 December 2007, 11:42 PM
#38
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No those who think I hit her are wrong. She was literally off the roundabout and pulled hard right to stay on it and go round when her nose was pretty much over the exit. If I hit her the front of my car would have damage, it has none. The damage is all on the left front panel where she pulled hard right into me. Also her car doesn't have a huge dent in the side of the drivers door which would be the case if I hit her. It has scrapes all down it where she glanced off me as she pulled into my wheelarch/front left corner.
Last edited by Bravo2zero_sps; 24 December 2007 at 11:45 PM.
24 December 2007, 11:45 PM
#39
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dont think anyone thinks you hit her, but insurance companies will look at the damage done and where etc and make the decisions from that. Its life unfortunately and most times life is ****
25 December 2007, 10:55 AM
#42
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Got hit by another car Friday night. Dual carriageway with 40mph limit over a roundabout and I was in the right handlane going straight on and the car in the left hand lane was going straight on, until at the last second she went to exit the roundabout panicked and decided to pull hard right into the side of me to attempt to go back round the roundabout.
She admitted full liability at the time but as soon as she said it was her boyfriends car and wanted to ask her dad whether to go through the insurance I knew she was going to stitch me up.
I spoke to her insurance company this morning and they confirmed she is now denying any liability. I called her and spoke to her bloke to find out why they were now denying liability and he got nasty on the phone and then said they are accusing me of intimidation and aggressive behaviour making her admit liability at the scene.
This was not the case, she was only about 20, had a friend with her and were both upset. I told them accidents happen and not to cut themselves up over it, no one was hurt etc. The accident happened in a dangerous place and lets move the cars to the Shell garage 100 yds down the road which we did and exchanged details in a calm and friendly manner.
The fact she is now ******* me over just about sums the scum up in this country.
I have already phoned the police to report her for dangerous driving as thats exactly what it was and just very glad we were only doing about 30mph. I have called Shell to get the forecourt security tapes kept so they can prove through footage everything was done in a calm and friendly manner and to prove they are lieing with their claims of my behaviour.
Its all in the hands of the insurance companies now and i'm left without a car over Christmas so down to one car and can not fit all the family in to visit other family now which is going to cause big issues over the next few days
Insurance company from her side wont provide a courtesy car as she wont admit liability and my insurance company wont provide a coutesy car as its 3rd party fire and theft cover. I can't afford to hire one and take the risk of claiming it back and failing if the insurance companies stitch me up so Christmas is now fcuked.
Anyone with any other ideas on what I need to be doing to cover my ar$e against her lies? I did take a photo of her car on my mobile phone at the scene to show where she ended up and her registration number.
I was on the phone to the insurance companies straight away over the weekend, her and her boyfriend have avoided the insurance companies until this morning and to me that says a fair bit in how they spent the weekend making up stories and had they been genuinely making a claim against me surely they would have wanted to have been on the phone straight away like I was.
Also her Dad tried to blackmail me over the weekend saying that her excess was £400 and I could take that and nothing to be said to the insurance companies and if I didn't then they would go through the insurance companies making it difficult for me. Ihave his phone number saved so again can show the insurance companies that why would I have this if he hadn't called me when its nothing to do with him.
I was hit by a woman 2 years ago who then stitched me up and ended as 50/50 and I can see this going the same way just because no one stopped to offer to be a witness 2 women drivers hitting me in the space of 2-3 years both at or near to Christmas in the dark. Next Christmas i'm staying off the ******* roads.
Shell have just called me back and confirmed their security cameras only cover the shop and not the forecourt, this is an old system which is in the process fo being upgraded My only defence will be that had there been any rows or commotion the customers and the staff would have been aware of it and seen it.
Looks like my only hope is the damage to the cars proving my story is true and she is lieing her ar$e off.
She admitted full liability at the time but as soon as she said it was her boyfriends car and wanted to ask her dad whether to go through the insurance I knew she was going to stitch me up.
I spoke to her insurance company this morning and they confirmed she is now denying any liability. I called her and spoke to her bloke to find out why they were now denying liability and he got nasty on the phone and then said they are accusing me of intimidation and aggressive behaviour making her admit liability at the scene.
This was not the case, she was only about 20, had a friend with her and were both upset. I told them accidents happen and not to cut themselves up over it, no one was hurt etc. The accident happened in a dangerous place and lets move the cars to the Shell garage 100 yds down the road which we did and exchanged details in a calm and friendly manner.
The fact she is now ******* me over just about sums the scum up in this country.
I have already phoned the police to report her for dangerous driving as thats exactly what it was and just very glad we were only doing about 30mph. I have called Shell to get the forecourt security tapes kept so they can prove through footage everything was done in a calm and friendly manner and to prove they are lieing with their claims of my behaviour.
Its all in the hands of the insurance companies now and i'm left without a car over Christmas so down to one car and can not fit all the family in to visit other family now which is going to cause big issues over the next few days
Insurance company from her side wont provide a courtesy car as she wont admit liability and my insurance company wont provide a coutesy car as its 3rd party fire and theft cover. I can't afford to hire one and take the risk of claiming it back and failing if the insurance companies stitch me up so Christmas is now fcuked.
Anyone with any other ideas on what I need to be doing to cover my ar$e against her lies? I did take a photo of her car on my mobile phone at the scene to show where she ended up and her registration number.
I was on the phone to the insurance companies straight away over the weekend, her and her boyfriend have avoided the insurance companies until this morning and to me that says a fair bit in how they spent the weekend making up stories and had they been genuinely making a claim against me surely they would have wanted to have been on the phone straight away like I was.
Also her Dad tried to blackmail me over the weekend saying that her excess was £400 and I could take that and nothing to be said to the insurance companies and if I didn't then they would go through the insurance companies making it difficult for me. Ihave his phone number saved so again can show the insurance companies that why would I have this if he hadn't called me when its nothing to do with him.
I was hit by a woman 2 years ago who then stitched me up and ended as 50/50 and I can see this going the same way just because no one stopped to offer to be a witness
2 women drivers hitting me in the space of 2-3 years both at or near to Christmas in the dark. Next Christmas i'm staying off the ******* roads.Shell have just called me back and confirmed their security cameras only cover the shop and not the forecourt, this is an old system which is in the process fo being upgraded
My only defence will be that had there been any rows or commotion the customers and the staff would have been aware of it and seen it.Looks like my only hope is the damage to the cars proving my story is true and she is lieing her ar$e off.
if in doubt invent a witness, its so easy and you will allways win
**** it bung me a drink and ill be one pmsl
Last edited by apples24; 25 December 2007 at 11:00 AM.
25 December 2007, 11:30 AM
#43
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similar thing happened to wife on a bad bend.other car was going too fast and crossed into her lane and damaged side of car.she had two witnessess in car.ins company said it was 50-50 they werent interested in the damage or witnessess.typical other car driver admitted his fault then changed his mind and blamed wife.best thing to do is phone police thats what ill do next time.good luck.
25 December 2007, 02:21 PM
#44
This happened to my mate a few years ago some woman hit him on a mini roundabout. At the time she burst into tears admitted liabillity and apologized, so he thought it was a simple case and did not bother with photos or getting a witness.
So he rings her and she turns it around on him saying it was his fault and any more trouble and she will send her boyfriend round
Anything more than a broken headlight is worth calling the police out really, you just cannot trust people these days.
So he rings her and she turns it around on him saying it was his fault and any more trouble and she will send her boyfriend round
Anything more than a broken headlight is worth calling the police out really, you just cannot trust people these days.
25 December 2007, 02:47 PM
#45
I had the same thing happen to me last year on a roundabout, I was in lane 2, he was in lane 1 ...... My insurance company agreed with the third parties insurance company without consulting me, that it was 50/50.
After 3 months of arguing with my insurers, they backed down. this ws mainly because I didn't want to lose any bonuses etc, or even have a claim of liabilty against me.
have a look in the Drivers handbook, it describes exactly what should happen on a roundabout , also the insurers put a case to me that supposedly set a 'precedent', my argument against this was that the same roundabout at a different time of year/day would produce different obstacles/problems ie the precedent could have been set on a day when it was btight and dry, yet your case it was night and wet, so a precedent cannot be set .
Also worth looking into whether you have legal expenses cover (usually a £10 extra on your premium), let them open a can of whoop *** on her/them .
After 3 months of arguing with my insurers, they backed down. this ws mainly because I didn't want to lose any bonuses etc, or even have a claim of liabilty against me.
have a look in the Drivers handbook, it describes exactly what should happen on a roundabout
, also the insurers put a case to me that supposedly set a 'precedent', my argument against this was that the same roundabout at a different time of year/day would produce different obstacles/problems ie the precedent could have been set on a day when it was btight and dry, yet your case it was night and wet, so a precedent cannot be set .Also worth looking into whether you have legal expenses cover (usually a £10 extra on your premium), let them open a can of whoop *** on her/them
.
25 December 2007, 03:05 PM
#47
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The unfortunate lesson to be learned here, unfortunately, seems to be that youll be f*cked-over by your insurers (as its easier for them -and the people making the decisions in a call/admin centre earn £13,000 PA and really couldnt give a monkeys, in fact, shafting you is the only pleasure that they get-) unless you back yourself up with false witness statements.....
25 December 2007, 10:41 PM
#48
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That's what all the bus drivers do !! (You're not a bus driver, are you ? 
26 December 2007, 10:25 AM
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in the sad world we live in nowadays people lie to get out of situations which means you have to lie in return to win the case, get a mutual friend to be a witness that is not family etc, all you got to say is someone did stop briefly and asked for your number but as you hadnt heard from them you presumed they had not come forward but all of a sudden out of the blue witness comes out of the woodwork, ust make the witness statement not exact but damn well good enough to put reasonable doubt that the other party was in the wrong
26 December 2007, 11:42 AM
#51
I had a very similar thing happen to me several years ago, i.e. car on inside lane of rounderbout cut across me to turn right. I instructed my insurance company not to accept 50/50 on the basis than in either the highway code or the IAM it is not acceptableto use inside lane on a rounderbout to turn right across the path of other traffic.I told them I was prepared to go to court to argue the case.After a couple of months the date for the hearing was set and 3 days before the hearing my insurance company received a cheque for the full amount of damage £3650.00 to my car.
If you are in the right then fight it!!!!!
If you are in the right then fight it!!!!!
26 December 2007, 02:32 PM
#52
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This is why I call the police if I have any accident at all no matter how small. I want to make sure everyone involved is interviewed and if necessary breathalysed and this way there is a police report to accompany any insurance claim. Of course, this did me faff all use recently as the guy that smacked into my Impreza didn't have any fecking insurance 
And always try to get witnesses!
Last edited by CyprusScooby; 26 December 2007 at 02:36 PM.
26 December 2007, 04:40 PM
#53
Also known as daz
I know its not going to help our mans case but you'll also find that if you're going straight across a roundabout you should generally be in the nearside lane unless the road markings direct otherwise. Believe he was in the offside lane so technically the other party could argue that he was as much at fault? Sorry..........I'll get my coat
Pita but i now stay in the left side lane, some daft woman nearly took the front end of my 309 out after changing her mind last minute, i shot around with my air horns on to voice my disapproval.
After that incident i always stay left and i drive very defensively, best way to be in this day of age.
As others have said, try and sort out some witnesses.
26 December 2007, 05:25 PM
#54
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bob, sorry to hear about this mate...
should have taken the £400 cash and then still gone through insurance!!! lol
hope it gets sorted out for you....
dazza
should have taken the £400 cash and then still gone through insurance!!! lol
hope it gets sorted out for you....
dazza
26 December 2007, 10:01 PM
#55
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Thanks everyone. Also to add a bit more to the picture, this roundabout is really only for going straight over. The only exits off are for an army barracks on the carriageway we were on and on the other carriageway for a housing estate. Its a dual carriageway down from the motorway into the town that 99% of traffic goes straight over at the roundabout. Also the driver wasn't local and from quite away away and didn't have a clue where she was going as she admitted at the time.
Dazza its been too long mate, time to meet up for a beer fella.
Dazza its been too long mate, time to meet up for a beer fella.
27 December 2007, 01:42 AM
#56
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It's sad to hear this happening, and happens all too frequently. I got stung by someone who was on my side of the road and on a mobile. I was running around a left hand bend, keeping hard left, he struck me from the drivers door backwards. He claimed I was on his side of the road. The insurance companies settled knock-for-knock, I lost all my no-claims. I talked to my local bobby at the time and he suggested that just call the police and wait for them before leaving the scene. Difficult to do so, but you are required by law to report an RTA.
22 April 2008, 05:40 PM
#58
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Well just had a phone call from my insurers to say after my perseverance (I wasn't going to let this drop lol) the 3rd party have finally owned up to 100% liability 
So will be getting a call from their insurers in the next 48 hours to sort it all out 
So will be getting a call from their insurers in the next 48 hours to sort it all out
