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Sniper 3:36 Wed Oct 11
Any insurance experts on here?
(nt)

Replies - Newest Posts First (Show In Chronological Order)

COOL HAND LUKE 12:42 Sun Oct 15
Re: Any insurance experts on here?
Sniper

My point really was the girl will have taken on board your wife's comment about having handbrake on etc. From therein, she either has to admit she rolled back (= 100% her fault, and she's still up to her ears in a very recent previous incident...) OR she has little option but to basically call your wife a liar and counter claim that she was rear-ended through no fault of her own (likely outcome in the absence of proof / witnesses etc = 50/50 shared blame).

If the claim is disputed and substancial sums are involved i.e. > £500, say, then your wife's insurance may want an independent assessor to see the girl's car, and maybe yours too.

I disagree 'nothing will come of it', most likely outcome in the absence of further mitigating info is a 50/50 settlement.

The girl seems to have 'history' building, though... are you sure she's not a 'compensation scammer'..? She may gave noticed your missus looking into the back seat in her rear view and sensed an 'opportunity'..?

Sorry its not clean good news mate, I hope you get it sorted.

CHL

Mace66 11:12 Sat Oct 14
Re: Any insurance experts on here?
Moose does have a valid point, if you take the evidence on this thread you'd be inclined to believe it was the wife's fault ( not paying attention ) rather than the car in front " rolling back " . Still can't see anything coming of it though.

Sniper 7:38 Fri Oct 13
Re: Any insurance experts on here?
I can't say for certain as I wasn't there but from the way she's acted I'm assuming this is the girl

https://goo.gl/images/TBKcua

Eggbert Nobacon 1:29 Fri Oct 13
Re: Any insurance experts on here?
hope i'm wrong but with your wife admitting she didn't have her hand son the wheel and wasn't looking either I think most insurers will not be very sympathetic

ooooh Morley Morley 12:21 Fri Oct 13
Re: Any insurance experts on here?

Eddie B 10:51 Fri Oct 13
Re: Any insurance experts on here?



Link to the girl or your wife. I don't mind which.



*Thumbs up*

Dr Moose 12:19 Fri Oct 13
Re: Any insurance experts on here?
You Zoltaned a bit there Eddie. You only needed to say you work in the industry, no one cares what amount of moneys you deal with.

Eddie B 12:18 Fri Oct 13
Re: Any insurance experts on here?
At least I'm offering to help!

Dr Moose 12:17 Fri Oct 13
Re: Any insurance experts on here?
Sniper's Missus has still got the problem of she's admitted she was looking in the back at their child. If I was the other party insurer I'd be saying thats evidence that she wasn't paying due care and attention to what was in front of her, had she been looking ahead she would have seen the car rolling back and would have bibbed to get the car in fronts attention.

Good luck with it Sniper, hope it goes your way.

ooooh Morley Morley 12:16 Fri Oct 13
Re: Any insurance experts on here?
Sex case Eddie to the rescue...

Northern Sold 11:49 Fri Oct 13
Re: Any insurance experts on here?
Fucking hell ark' at Edward wading his way in with his briefcase....

Eddie B 10:51 Fri Oct 13
Re: Any insurance experts on here?
Link to the girl or your wife. I don't mind which.

Sniper 10:40 Fri Oct 13
Re: Any insurance experts on here?
You most probably can Eddie!!!

Just trying to figure out what happens in a situation where the car in front claims you hit them yet you were stationary with the handbrake on. My wife did it say at the scene that she'd gone forward either, and said she didn't know what had happened but she wasn't moving.

Now the girl in front is claiming.

Eddie B 9:25 Fri Oct 13
Re: Any insurance experts on here?
I work on Accident & Health reinsurance involving hundreds of millions of pounds of coverage for employees of multinational companies, may I be some assistance?

Mace66 12:14 Fri Oct 13
Re: Any insurance experts on here?
I doubt anything will come of this, my wife was in a similar position a few years back, no damage to either vehicle and the other party's claim for whiplash injury was binned.

Sniper 6:41 Wed Oct 11
Re: Any insurance experts on here?
Luke

But what if that car was rolling back?

Sniper 6:40 Wed Oct 11
Re: Any insurance experts on here?
I think the phrase thenither girl used was
'The mot is due in a couple of days so I'll have to check the damage. I haven't had it long because I wrote my other car off a couple of months back. Oooh my back'

So I'm pretty certain she's claiming because is going to fail it's not and I'm sure whiplash will come up at some point.

COOL HAND LUKE 6:37 Wed Oct 11
Re: Any insurance experts on here?
If your wife has effectively 'accused' the other party of being the Proximate Cause of the accident, she will inevitably claim if she disputes that, or even because she will fear that YOU will claim, and she doesn't want to get caught 'not reporting it' herself,
The time for doing a deal off piste was at the time of the incident, sadly...
Even if your wife is shunted by someone else, in insurance parlance, SHE has responsibility for the car in front of her.

Chigwell 4:14 Wed Oct 11
Re: Any insurance experts on here?
What damage is the girl claiming to her car? You say there was none visible and you can prove it with pictures. So it can't be more than a scratch or a tiny dent. Whoever was at fault it seems like it's not worth involving insurers, as it's likely to be under the policy excess, or at least not much more. Better not to have a small value claim recorded as the insurers won't bother establishing liability and your wife's future premiums will be affected. On the other hand, if the girl is claiming a large amount, tell her what the pictures show and that you will refute any claim with proof, so she should reconsider her options.

Dr Moose 4:13 Wed Oct 11
Re: Any insurance experts on here?
Sniper,

Give your evidence to your insurer, they will then deal with the other parties insurer and argue that its their client who is at fault. So long as your wife did not admit fault at the scene leave it to the insurers to argue fault. You may find though that if your wife has admitted she took her eye of the road, even for a brief moment, that it may be deemed that she wasn't paying attention to react to what was going on in front of her.

I'm not an insurance expect, just offering an opinion.

Fortunes Hiding 3:44 Wed Oct 11
Re: Any insurance experts on here?
Do you have a link to a photo?









Of your wife?

Sniper 3:41 Wed Oct 11
Re: Any insurance experts on here?
The missus was sat at a roundabout last week, behind another car, stationary with the handbrake on. Our daughter was crying so she turned round to pass her something and the car in front ended up bumping into her. My wife got out and said she didn't know what happened but she had the handbrake on and hadn't moved. There was no damage behind the car, so she wasn't shunted forward from behind, so the only thing that could have happened was the girl in front rolled backwards.

However today she's had a call saying the girl is claiming off her for damage to the car - we have pictures, there was no damage but my wife's number plate is cracked

We weren't going to claim on insurance for it an djutmst he t a new number plate. How do you go about disputing someone else's claim?!

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