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Short story - this morning a woman behind my missus at the traffic lights. Foot slipped off clutch and she's shunted the back of our car. Exchanged details, woman admitted fault.
Just looked like a cracked number plate but missus was off so popped into local body shop - theres cracked paint on bumper, as car is only couple of months old they'd be issue with paint warranty etc. so net result of £800 bill to sort properly. Funnily the guilty parties recollection of events has changed and she's passed it to her insurance company.
Body shop have given my wife the number of a company to chase to claim rather than go through our insurance.
As no witnesses (busy junction so they got off the junction asap without getting other names) I suspect there'll be an element of like-for-like here now that she's not admitting guilt.
I can't see how the ambulance chasers will get anything out of this or am I being naive? No whiplash claims going in.
Tempted to use them just to hack off the other woman but can't see their angle on this one.
Unless the shunter is claiming your wife slammed the car into reverse I can't see how she can claim knock for knock having rear ended a car in front. Surely liability otherwise will always lie with the idiot behind?
Let your insurance company deal with it always going to be my default position when it comes to road accidents.
Unless the shunter is claiming your wife slammed the car into reverse I can't see how she can claim knock for knock having rear ended a car in front. Surely liability otherwise will always lie with the idiot behind?
I'm kinda thinking that. The traffic lights are on a slight incline so 'potentially' our car could have rolled back though with so little space to gather momentum it wouldn't have even made a mark on either of them so it does look a relatively obvious case.
Even with a nailed on case, how would this law firm make enough out of it to be worthwhile. Can't be getting a cut of referrals to the body shop surely? Bit of a cut on the cost of the hire car? Pennies presumably in that case.
Use your insurers, part of your policy wording will say you have to inform them anyway.
You have to tell your insurance co anyway. hit from behind is strict liability or as near as we get to hit. the car behind is assumed to be at fault unless they can show good reason otherwise.
Super, confirmed my suspicions - off to phone insurers now.
Insurance company but watch them like a hawk. I had a huge fight with mine because they wanted to go knock for knock. I refused because the other party had driven into the rear corner of my car. (They came onto the roundabout before I had finished going past).
They said knock for knock because it was quick and easy for them and only a small claim. I was more concerned with the impact on my NCB and future premiums for having a claim on my record which didnt concern them at all
I'm afraid that if the other party is now claiming your wife rolled back, the only reasonable option is as follows:
- Purchase a tank
- Go round to their address.
- Wait.
- When other party parks up, ensure the car is unoccupied and reverse over it.
- Inform her that this time, you did indeed roll back a little.
Proper answer though, I'd go with the lawyer if it was a garage I was wanting to use. It'll see them get a decent payday. Otherwise, just use the insurance company default route but be very clear about your expectations.
Proper answer though, I'd go with the lawyer if it was a garage I was wanting to use. It'll see them get a decent payday.
... which the lawyers will take at least a third of.
Your insurers will have their own lawyers who will do the same job at no cost to yourselves.
No whiplash claims going in.
I'd be careful in saying this formally to anyone. I'm not for a second suggesting making a false claim, but whiplash injuries can occur at relatively low speeds and can, I believe, sometimes take a few days to manifest. She might be fine now and not be able to get out of bed by Christmas, and you don't want to sour any claims you might want to make in the future.