Hi mums !
A little bit stressed from school holidays already with my 4 . To add to it I was in a car collision last week were I genuinely believes I was in the right .im still so nervous to drive and I am grateful no one hurt . When o spoke to my insurance company they said it was being lodged as a NOT AT fault claim . Now I just got a call from them saying I was at fault going from the other drivers version ! My question is ... Is there a point in arguing it out .. Is the
Insurance company word God ?
It's his word against mine . No witnesses .( basically we were both in right lane I merged in to the left checked mirrors etc ) as I was merging in he also went from right lane and up the side of me and into me .his car damaged at front mine at side ! I also had indicators on I thought it was a no brainer ) anyway I feel completely
Defeted and my husband is a prat telling me get over it and pay the excess . But what on going conciquences is this going to have on me ! OK rant over and I already feel a bit better but any advice appreciated x
Car crash
Car crash
Posted in:
Self Care
5 Replies
Honestly I think the ongoing ramifications aren't even worth worrying about.
All you can do is say what you did and saw and then the insurance company will make there assessment either way. If the other party said what happened and you don't think there were any obvious lies let it go and pay the excess.
Accidents happen and that's why they are called accidents because nobody has one deliberately.
This exact same thing happened to a friend - they dug their heels in and i'm not sure but think they had a witness.
It may be best to move forward and forget about it.
If the other driver was at fault, karma (and their shitty driving skills) will get them in the end.
Your insurance premiums may increase if you don't have protected rating 1 cover - mine did quite significantly after I made an at fault claim last year (and totally kicking myself for not forking out the extra for protected rating 1) - if this remains an at fault claim. Otherwise, apart from being liable for the excess I suspect not many other ramifications, unless you were to change insurers down the track you'd turn have to disclose the at fault claim.
If you feel certain that you were not at fault in this instance it can't hurt to write to the company stating as such: give a written account of the event as well as a diagram of what you believe occurred in the incident.
Personally I would fight it as I wouldn't want a claim against me that wasn't my fault.
Question. Because I'm sure the insurance people are thinking the same thing.
You merged into the left lane and so did he. How do you know that's what happened and he wasn't already in the left lane in your blind spot and you whacked into him? If you both merged at the same time he would have purposefully sped up to hit you?
Because the damage is on your side, and not the back of your car, it sounds like you're more at fault. He should have had opportunity to brake had he seen you merging into his lane though (if he was already in the left lane).
It will affect your premium for future policies. I'd be interested to know the other drivers side of the story. Did they tell you?
It's really hard since there are no witnesses to verify either one.
I'd still fight it as long as I could. In the end though no one was hurt and it's only money.
Good luck with it.
That's what I thought if it's on her side it would be her fault otherwise he would of gone into her boot not the side of the car