First accident. How hammered will I get for it do you think?

[Barakka]

Originally Posted by dave87

As far as I am aware, the road traffic act covers anywhere a person can reasonably be seen driving their car - i.e. it covers the likes of private car parks.

I thought the same it was ammended a couple of years ago, and anywhere with markings (parking bays, double yellows, give ways etc.) such as a car park will, in the even of a dispute be given the same consideration as markings on the public highway. This is why most of the supermarket/shopping-centre car parks put in one way markings with give way junctions a few years back, if you crash the insurance can take them into account and if you're going against the markings you don't have a leg to stand on.

But back on topic you need to take comfort that it happened in your first year so you don't have any NCB to lose yet, it will go up at renewal you just need to shop around a lot more. Accidents happen and you'll learn from it plus there's much worse accidents to have in cars to learn these lessons.

[shelley bda]

It may not go up as much as you think. I had an accident in July ( two months before renewal ) the handbrake failed on my Car ( maybe I didn't engage it properly, don't know, had it checked after and it was fine ) and it rolled down the road scraping the side of a crappy old M reg Metro ( thank goodness there was no one about ) not a mark on my Car lol. Went through the Insurers ( still ongoing ) I like you am in my first year of driving, so no no clams to lose, got my renewal through from Prudential and they wanted £320 TPFT this time, that was compared to £220 last year, was happy with that but just out of interest I shopped about and managed to find fully comp insurance with the AA for £249, that's with having no no claims and admitting liability ( made sure I rang them as well to confirm details ) so as from 8th September I shall be with the AA lol. Lots of luck in getting it sorted

[Bazzlad]

Originally Posted by shelley bda

It may not go up as much as you think. I had an accident in July ( two months before renewal ) the handbrake failed on my Car ( maybe I didn't engage it properly, don't know, had it checked after and it was fine ) and it rolled down the road scraping the side of a crappy old M reg Metro ( thank goodness there was no one about ) not a mark on my Car lol. Went through the Insurers ( still ongoing ) I like you am in my first year of driving, so no no clams to lose, got my renewal through from Prudential and they wanted £320 TPFT this time, that was compared to £220 last year, was happy with that but just out of interest I shopped about and managed to find fully comp insurance with the AA for £249, that's with having no no claims and admitting liability ( made sure I rang them as well to confirm details ) so as from 8th September I shall be with the AA lol. Lots of luck in getting it sorted

Sounds like the AA for me then!!!!
My insurance costs £1000 atm, which I think is pretty good for first year of driving, male, under 23, 2.0 litre turbo, if I can keep it within a hundred quid of that or so I'd be over the moon!

Thanks for your support everyone!

[schmunk]

Originally Posted by staffsMike

[MadduckUK]

Originally Posted by schmunk

it looks like someone got the wrong scale bodyshell for there RC car

[staffsMike]

oh noooo. What have they done to that poor metro

I'm not sure I'll ever be able to stomach the 25-50K price tag for a clubmans.. but maybe

[samcross]

Originally Posted by schmunk

The Batmobile had to be downsized after Batman lost the lawsuit.

[Behemoth]

Originally Posted by dave87

As far as I am aware, the road traffic act covers anywhere a person can reasonably be seen driving their car - i.e. it covers the likes of private car parks.

I believe it is under the same act that all parties using a car on the road (as defined in the RTA) are required to have a minimum of third party insurance, and as such would suggest they are liable for their actions, no?

I was thinking that too at the time but it was christmas and I couldn't do with the hassle of sorting it all out for a scracthed bumper, after all thats what they are for. I was more upset at the time because before she'd hit it the car had very few marks on it for it's age.

[Rave]

Originally Posted by Behemoth

Harsh that is. I remember when a woman drove into my car at work in our car park, she had whitnesses as she was reversing into a space talking on her phone so she had to come in and tell me she'd hit my car.

She said she'd pay up for the bumper to be resprayed and gave me her details, I got a quote of £300 as it would have needed a full bumper respreay and when I phoned her to tell her she said sorry she wasn't going to pay for it, it was done on private property and I didn't have a leg to stand on

What a load of crap. So if she'd crashed her car through your garden wall and demolished half your house it would be fine because it was private property would it?

I would have sued her ass in the small claims court.

I'm lucky I suppose, I've only ever had one fault accident which was when I ran my Mk1 MR2 into the back of a VW Passat (I think it was, might have been a Golf estate) at 2mph when I wasn't paying enough attention. Fortunately for me the back end of a Passat is a lot harder than the front end of an MR2 and there was no obvious damage to the Passat after I'd rubbed my paint off her bumper with my finger. Still gave my name and details and would have happily paid up had there been damage though (was 21 at the time, and paying ~£500 a year for TPFT insurance).

[GoNz0]

back to the original poster, i suggest you explain the damage to a local body shop and then get her to take the car there for a quote as she is taking the pee

[chadders]

it was done on private property and I didn't have a leg to stand on

Total bowlocks, you should have replied that lovely, you'll turn up in a banger and smash the cr@p out of her car in the pub next time - as she can't touch you!

[yamangman]

Originally Posted by Rave

I'm lucky I suppose, I've only ever had one fault accident which was when I ran my Mk1 MR2 into the back of a VW Passat (I think it was, might have been a Golf estate) at 2mph when I wasn't paying enough attention. Fortunately for me the back end of a Passat is a lot harder than the front end of an MR2 and there was no obvious damage to the Passat after I'd rubbed my paint off her bumper with my finger. Still gave my name and details and would have happily paid up had there been damage though (was 21 at the time, and paying ~£500 a year for TPFT insurance).

Wow. That's really refreshing for this thread, thanks. You're not one of those guys who doesn't look where they are going when they are reversing (but did check there was no one behind). Or someone whose handbrake failed (but had it checked afterwards and it was fine). At least you've got the balls to admit you're wholly responsible.

[staffsMike]

I'd love to blame someone but myself for my accident.. but... my bad

[kalniel]

Originally Posted by staffsMike

I'd love to blame someone but myself for my accident.. but... my bad

Yeah, but yours was very stylish