Bumper bumped
- Thread starter Dreamer
- Start date
Absolute shitter 
Was it obvuious that he was going too fast for the conditions? (actually breaking the speed limit isn't important - if it was narrow/blind enough to warrant a slower speed...).
Did he admit liability? Did anyone else here him admit liability if he did? If so, push for his insurance company to foot the bill for repairs at a place of your choosing. I don't like the sound of getting it fixed on the cheap via his work!
It does sound like you could be a bit lucky if no blame gets assigned to you. Could be a 50/50. In fact, I'd suggest you edit that bit about you fearing liability lying with you out of your post, in case some rude boi Punto driver stumbles across the Z4-forum
Was it obvuious that he was going too fast for the conditions? (actually breaking the speed limit isn't important - if it was narrow/blind enough to warrant a slower speed...).
Did he admit liability? Did anyone else here him admit liability if he did? If so, push for his insurance company to foot the bill for repairs at a place of your choosing. I don't like the sound of getting it fixed on the cheap via his work!
It does sound like you could be a bit lucky if no blame gets assigned to you. Could be a 50/50. In fact, I'd suggest you edit that bit about you fearing liability lying with you out of your post, in case some rude boi Punto driver stumbles across the Z4-forum
That's not good to have any sort of damage.
Personally I can't see any way that you cannot be held responsible if you are pulling out into the carriageway and got hit. Not the 'right' answere I'm sure. Sort of the basics rules of driving. Hit a cyclist - your fault. Hit the back of a car - your fault, Pull out - your fault, etc. The only exception might be if you could prove him to have been doing something wrong. You use the pedal to the metal expression. Could the witnesses say he ws driving dangerously, etc. Are they actually independant witnesses, else they don't count for much?
Whay would he assume he's in the wrong? Was he unissured or something?
All that aside I'd pull the bumper off and see what damage there is. It might just be simple and relative cosmetic
Personally I can't see any way that you cannot be held responsible if you are pulling out into the carriageway and got hit. Not the 'right' answere I'm sure. Sort of the basics rules of driving. Hit a cyclist - your fault. Hit the back of a car - your fault, Pull out - your fault, etc. The only exception might be if you could prove him to have been doing something wrong. You use the pedal to the metal expression. Could the witnesses say he ws driving dangerously, etc. Are they actually independant witnesses, else they don't count for much?
Whay would he assume he's in the wrong? Was he unissured or something?
All that aside I'd pull the bumper off and see what damage there is. It might just be simple and relative cosmetic
insurance wise your at fault, its the other drivers right of way, plus as the neighbour knows you they are not an independent witness. if this kid doesnt want the insurance involved thats probably for the best, but the other driver could report this later with the usual whiplash sort of claim. its not fair but thats how insurance works im afriad, it will come down to right of way. best you could hope for is knock for knock, which sounds like what the other driver is wanting so your in luck, just out of pocket to do your own repairs im afriad
Thats a real bummer...whatever the outcome I hope it's swift & painless... I think you need to keep a carefull eye on what the youth is up to..!!! I dont think I would trust any "quick cheap repair" by a lad trying to save his own insurance cost's...Like other's have said probabily best to keep the details private.... :roll: Good luck though...
I agrre about reporting it. By the time the guy has spoke to his mates, parents, buddies at work he'll have a ton of advice that you pulled out on him and a nice fat claim ready to have a new front on his Punto
You have up to 30 days so no rush to do it.
Next decision really is if the damage is superficial and you intend to stand it, get the insurance to payout or counterclaim.
Personally I'd call the insurers and seek advice. They are quick to tell yo in their opinion who would be liable, offer advice and likely outcomes.
I', up to speed on all this as someone rear ended my daughter's Ka. Admitted liability at the scene then put in a claim against her, inc injury after we had repaired her car. Been going on since November, despite a clear cut case
You have up to 30 days so no rush to do it.
Next decision really is if the damage is superficial and you intend to stand it, get the insurance to payout or counterclaim.
Personally I'd call the insurers and seek advice. They are quick to tell yo in their opinion who would be liable, offer advice and likely outcomes.
I', up to speed on all this as someone rear ended my daughter's Ka. Admitted liability at the scene then put in a claim against her, inc injury after we had repaired her car. Been going on since November, despite a clear cut case
it never matters about who takes the blame at the time, the insurers are the ones who sort out liability, as always the best thing in these situation is to swap details and admit to nothing.
hope you get this sorted, i had a moment in my car yesterday as i almost hit a barrier, hate that feeling when you have damaged or about to damage your pride & joy. i was really lucky and managed to stop.
hope you get this sorted, i had a moment in my car yesterday as i almost hit a barrier, hate that feeling when you have damaged or about to damage your pride & joy. i was really lucky and managed to stop.
Liverpool
Sorry to hear about the damage. I would inform your insurance company and wait for the outcome. Do not admit liability, let the insurance company work that out. You might be lucky with a 50/50 claim. You cannot be classed as stationary when your edging out to pull onto a road. Just put it down to a very long bonnet!
rjm8282 said:
He says:
Dreamer said:
Assuming that sentence is accurate, then nothing in it states he was edging. Surely it's no different than "I was sitting at the lights, waiting to move off when a kid in his 'rude' Punto pedal to the metal smacks into my front corner."
It's very similar to what happened to me when I first got mine. I was stopped at a junction after edging out to see past parked cars, and a Meriva tried to get through the gap between my bumper and the car in the 2nd lane (of a dual carriageway). He didn't quite make it and slightly scraped my front bumper. We both got out and the guy in the Meriva tried to say I'd moved, but the guy behind me stated that I hadn't and that I'd been sitting there for quite a while waiting for someone to let me out.
Dreamer,
Assuming you'r UK based UK legislation is pretty specific about what to do with regard to the provision of details in respect of road accident - Section 170 Road traffic Act 1988 - http://www.dft.gov.uk/collisionreporting/Law/default.asp
There is no absolute liability in respect of road accidents as liability can apply to both drivers to varying degrees. For example if you are parked and stationary causing an obstruction and another car collides with you then liability can rest to a degree with both drivers. This is where the insurance companies earn their money in sorting this out for you. BEWARE of the driver who wants to avoid using his/her insurance to sort things out. In my experience they have NO INSURANCE. They might say they want to avoid using their insurance to avoid the loss of no claims – but the point of their insurance is to enable you to make a claim against them. In this case let the insurance companies do what you pay them to do – sort the claim out and get you car fixed by a reputable company and to your satisfaction.
Assuming you'r UK based UK legislation is pretty specific about what to do with regard to the provision of details in respect of road accident - Section 170 Road traffic Act 1988 - http://www.dft.gov.uk/collisionreporting/Law/default.asp
There is no absolute liability in respect of road accidents as liability can apply to both drivers to varying degrees. For example if you are parked and stationary causing an obstruction and another car collides with you then liability can rest to a degree with both drivers. This is where the insurance companies earn their money in sorting this out for you. BEWARE of the driver who wants to avoid using his/her insurance to sort things out. In my experience they have NO INSURANCE. They might say they want to avoid using their insurance to avoid the loss of no claims – but the point of their insurance is to enable you to make a claim against them. In this case let the insurance companies do what you pay them to do – sort the claim out and get you car fixed by a reputable company and to your satisfaction.
Sounds about right to me. I think it's worth mentioning you were not moving (and handbrake on perhaps), the neighbours are independant in that they were not in the car, involved in the accident, or close relatives etc. If the other driver's speed was a factor, mention it. E.g if other cars had safely passed you first, perhsps the reason he didn't was your speed, if you'd not moved, of course.
Good luck with it.
Btw, remember, insurance companies' first responsibilty is to their shareholders, not you.
Good luck with it.
Btw, remember, insurance companies' first responsibilty is to their shareholders, not you.
I phoned the insurance co and gave them a full debrief. Its now in the hands of the gods 
I'm sure we can beat her thread. And reference mmm-five, each incident is dealt with differently, but you could say you pulled up halfway out of a junction then was stationary, forcing someone to let you out, it won't stand. I wanna help the guy, best advice, be honest but do not except liability until the very end. Should be 50/50. I have dealt with a few like this in the past and you should be ok (50/50).