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sparkydude
Approved Electrician
Joined: 13 Aug 2005
Posts: 943
Location: Staffordshire
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 Posted: Sat Nov 08, 2008 6:58 pm Post subject: Fecking pedestrians Grrrrr |
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Bloody Pedestrians, Some teenage girl on her mobile just jumped out on the crossing infront of the bloke before me making him slam the anchors on and me ending up in his arse so to speak causing me to dent his bumper beyond repair and me the same and splitting my radiator. Haver exchanged details and got the pedestrians details too just wondered if anyone knew where i stand now with the insurance side of things as it was not my fault or the bloe in fronts fault but the stupid girls. Seems wrong we end up paying the costs for something beyond both our controls.
Nick
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If it isnt broke dont bloody touch it until it bloody well is and if it is broke then make drawing of the connections before you remove the broken one and replace with a new one LoL |
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thescruff
Senior Member
Joined: 10 Mar 2008
Posts: 5665
Location: Bath
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| Posted: Sat Nov 08, 2008 7:01 pm Post subject: |
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Too close to the car in front = your fault sparky 
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sparkydude
Approved Electrician
Joined: 13 Aug 2005
Posts: 943
Location: Staffordshire
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| Posted: Sat Nov 08, 2008 7:30 pm Post subject: |
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ferking great what a start to the weekend. bang goes my NCB then and my excess. Seems wrong when he had a nissan micra weighing no more than i crows fart and i have a 2-3 ton van , to be able to stop in time i would have had to have about fifteen cars lengths to be able to have stopped on a dime instead of the two i was given .
Oh well such is life
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If it isnt broke dont bloody touch it until it bloody well is and if it is broke then make drawing of the connections before you remove the broken one and replace with a new one LoL |
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Inky Pete
Senior Member
Joined: 03 Feb 2006
Posts: 99
Location: Cheshire
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| Posted: Sat Nov 08, 2008 7:58 pm Post subject: |
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If the damage is limited to his bumper, your bumper, and your radiator, you might be better off biting the bullet and paying for the repairs yourself.
What the insurance companies don't know, you can't lose you no claims over.  |
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big-all
Pro Carpenter
Joined: 16 Dec 2006
Posts: 2775
Location: redhill surrey an auld reekie laddie
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| Posted: Sat Nov 08, 2008 8:41 pm Post subject: |
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was it a normal crossing with flashing yellow globes!!!!
did the car in front stop before the crossing !!!
what age was the child!!!
did the childs movements suggest she may be crossing the road!!!
i do simpethise if the child has run out without pausing
but in general you are supposed to anticipate what other road user may do and this includes that a child may no use the foot crossing correctly
remember if you are outside the studs you must stop for anyone crossing 
i am afraid the only person that deprived you off enough room to stop was yourself
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sparkydude
Approved Electrician
Joined: 13 Aug 2005
Posts: 943
Location: Staffordshire
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| Posted: Sat Nov 08, 2008 9:08 pm Post subject: |
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The crossing was a full on zebra with traffic lights , we had the right of way and she just jumped out infront of the bloke infront of me, she was old enough to know better must have been at least 16 -18 the bloke in front was not happy with her , called her a few names, all she said was i thought it was green !!! well if she had not been on her bloody mobile she would have probably paid more attention. No way am i going to bite the bullet and pay for his repairs as well as mine prob cost me over a bloody grand cannot afford that so will have to go through the insurance.
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If it isnt broke dont bloody touch it until it bloody well is and if it is broke then make drawing of the connections before you remove the broken one and replace with a new one LoL |
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Hoovie
Devon DIYer
Joined: 27 Jul 2007
Posts: 8036
Location: East Devon
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| Posted: Sat Nov 08, 2008 9:14 pm Post subject: |
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End of the day, the guy in front of you could have a claim against her as he could say she could have caused him to crash and damage his car.
Your only possible recourse is against him I reckon. But he was performing an emergency stop and you were too close to him.
Sorry!
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I went to a bookstore and asked the saleswoman, "Where's the self-help section?"
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Welsh Decorator
Senior Member
Joined: 29 Sep 2007
Posts: 4063
Location: Cheshire
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| Posted: Sun Nov 09, 2008 2:36 am Post subject: |
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Sorry sparky bigalls all but there, 'Highway Code', that thing we learn to pass the test, then promptly forget! 
Best out come, is both your's AND his ins comp's will just go 'knock for knock'. 
It's not nice......but it's the way of the world!!
If? you have the full NCB you will prob loose 50% or 0% on a 'protected NCB' depending on the small print! 
Fingers crossed you wont losse out too much?
Keep us informed.
Be good for future reference 
P.S. good luck.
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Rich-Ando
Approved Electrician
Joined: 24 Mar 2007
Posts: 2618
Location: Derby, Derbyshire
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| Posted: Sun Nov 09, 2008 3:02 am Post subject: |
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actually, depending on who you are insured with you might lose ALL of your NCD.
i had an accident over 5 years ago in my van. it was my 1st accident ever and the regulator had seized ont he back breaks unkown to me. even though i had left plenty of stopping distance for normal breaks, working on just the front i careered straight into the car infront which shunted him into the one infront of him. i had to cough up for the car i hit but that was all (my insurance did i mean) but the gits said..read our small print, commercial policies loses all NCD and so after 20+ years of sound driving i lost the lot in one go. insurance went from £200 - £750 in the next pricing.  |
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Steve the Gas
Senior Member
Joined: 30 May 2008
Posts: 795
Location: Notts/Derbys
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| Posted: Sun Nov 09, 2008 4:18 am Post subject: |
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big-all
Pro Carpenter
Joined: 16 Dec 2006
Posts: 2775
Location: redhill surrey an auld reekie laddie
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| Posted: Sun Nov 09, 2008 12:59 pm Post subject: |
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by the way sparky dude wasnt being unsimpathetic
if that was me i would feel exactly like you as i hit the car in front
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