qwerty
Club Retro Rides Member
Posts: 2,419
Club RR Member Number: 52
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A rant!!qwerty
@qwerty
Club Retro Rides Member 52
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How come insurance is such a scam and the good guys always get stung!! I'm 20 I bought a 1.3 turbo and pay £1100 a year to insure it!! Yesterday evening I was driving along minding my own business, a clio that was turning right pulled out infront of me, I braked, skidded and swerved to avoid it and hit the car that was behind it effectively writing both cars off. The Clio driver-who's stupidity and impatience had caused the accident- slowed a little and then drove off. I ran down the street to try and catch his reg number but he had disappeared. Now because he drove off I'm liable and its my NCB that is going to be lost and my insurance company is going to have to pay out thus inflating my premium even more. Not only that, because he drove off I have lost my excess (£450!!) Its seems nowadays that its not even worth bothering with insurance!! For all I know the Clio driver who caused the crash could've been uninsured and curse word as a fart! Rant Over!! In reality I'm just absolutely gutted and deflated, I feel restless and mournfull. I miss my car  |
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aw man, that sucks. you can't get a worse situation can you?
Its rediculous innit mate!
I've thought several times about not bothering with insurance - what are they gonna do- hand you a £40 fine or summit?
Anyway, best of luck with the insurance company.
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A rant!!arthurbrown
@GUEST
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Failure to stop at the scene of an accident?
Did you contact the Plod about it??
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qwerty
Club Retro Rides Member
Posts: 2,419
Club RR Member Number: 52
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A rant!!qwerty
@qwerty
Club Retro Rides Member 52
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Yup rang the police immediately at the scene and they turned up really quickly, but unfortuneately because nobody got the reg details they are powerless to do anything. They are going to investigate it and try to make futher inquiries. The copper who was there was really sound. He was reasonable and didn't judge me at all even though I was a young lad in a sporty car.
Skoda_Norman: I know what you mean. I would never drive without insurance but it really boils my blood to see scallies driving around uninsured, un-taxed and without full driving liecences and get away with it!!
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stealthstylz
Club Retro Rides Member
Posts: 14,956
Club RR Member Number: 174
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A rant!!stealthstylz
@stealthstylz
Club Retro Rides Member 174
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If you have a job you're curse word if you do anything illegal. If you're on the dole you can do whatever you want the sentences and fines they hand out to doley's are a joke and a lot of the time they don't even enforce payment.
Matt
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That blasted sucks! Why does it always happen to the gooduns  I hope you don't receive too much further grief for it, that the insurance companies straighten it out and it comes good. Did you make any contact with the Clio, despite swerving around it? Might have some accident damage. Sorry to hear about the crash I think the moral of the story is to hit the person who's causing the accident - thus making them a) immobile and b) involved properly, instead of a 3rd party who's got no involvment in it. Sucks, but it's probably the way to go about things these days. If someone wants to cause an accident, they best be prepared to get tangled up in it as well....... |
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Last Edit: May 1, 2007 13:24:03 GMT by Lewis
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Ether
Posted a lot
Posts: 4,450
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A rant!!Ether
@streetrules
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Sorry to hear that I hope you get the car running again soon. I hate crash-causing idiots. There weren't any CCTV cameras about, were there? Just a thought. Good luck getting everything sorted. M |
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That sucks the bigone mate, sorry to hear of your loss.
I'm 25 and pay over £900 to insure my 5GT Turbo.
Like you say it sucks that plebs get away with this sort ot behaviour time and time again.
Until they make it a prisonable offence the muppets will carry on doing it.
On a repeat of Street Wars last night they stopped a girl filling up in a petrol station, after her bulsh*t it turned out she was 15yrs old , driving so therefore no tax no liscence no mot and no insurance.
Oh and to top it off she was over the drink drive limit (underage drinking).
What did she get?
12 month suspended sentence, oohhh harsh.
I can feel my pee boiling right now!
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Last Edit: May 1, 2007 13:35:42 GMT by magnumpi
OAP drifta Volvo 340,Williams power
1960 Beetle twin 40's 1776cc
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Always hit the curse word in the wrong rather than trying to avoid them........ At least then they have to deal with the consequenses of their actions.... I like you have learned this the expensive way in the past, and don't give it a second thought now....... if a collision is going to happen, make sure the people triggering it are involved  not nice I know but better than involving an innocent party  Might be worth checking back at the scene around the same time of day and see what drives past  probably his route to or from work , at least you can get a look and the number |
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qwerty
Club Retro Rides Member
Posts: 2,419
Club RR Member Number: 52
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A rant!!qwerty
@qwerty
Club Retro Rides Member 52
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Yeah I realise now I should have just hit them but I didn't want to hit anyone I was just trying to swerve around the accident. I missed the person who caused it completely. There was no damage to them.
Car is a complete write off. The roof is bent and the passenger door won't open.
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Last Edit: May 1, 2007 13:34:02 GMT by qwerty
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Thats bad, sorry to hear that. we're in a similar-but-different situaltion. the GF got knocked off her bike by a dangerous (but apparrently insured) dozy driver, who also left the scen (got DTLs), now despite a week of pain and head aches, broken kit (helmet and accessories), damaged confidence, and changed plans its not enough to claim!  curse word system sounds bad for you too, only sensible thing is look out for that clio, but then its proving it! guess its one of those curse word unfair situations. sorry i can't add any sunshine to this thread. |
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 it doesn't matter if it's a Morris Marina or a Toyota Celica - it's what you do with it that counts  |
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Might be worth checking back at the scene around the same time of day and see what drives past probably his route to or from work , at least you can get a look and the number That is a fine idea. and don't give up after a couple of days, if you don't see him go back in a weeks time when he thinks the heats off. |
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qwerty
Club Retro Rides Member
Posts: 2,419
Club RR Member Number: 52
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A rant!!qwerty
@qwerty
Club Retro Rides Member 52
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Yeah I'm gunna go back, but its a solid blue Clio theres like a bazillion of them so I think proving it is gunna be difficult. Especially as I couldn't tell you who was driving it or anything. Don't even know if it was a woman or a bloke.
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Like someone else has already said what about cctv?
Even if its on a building down the road etc, you never know you still may get the clios plate? Worth a try.
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OAP drifta Volvo 340,Williams power
1960 Beetle twin 40's 1776cc
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First, before I get all excited about other things, sorry to hear about your accident. Toital bummer.
Now then... I'm no copper but I think "failure to stop" is only an offense if you are in contact with any other vehicle or pedestrian.
As has been said, hitting the cnut who caused the accident is the best couse legally but its so counter intuitive IO bet most of us would fail to do it and would pile into the parked car every time. Its just natual instinct. Avoid most pressing danger... ooops.
Yeah, you could drive with no insurance but this sh!t only works when you have nothign to lose. If you hit someone and they lost their memory or something and you got saddled with £2million in damages or something wild, as does happen, well, thats you bankrupt like for eVaH.
Insurance is expensive and the insurers are still struggling to make a proffit out of it. Amazingly with them all chasing for business (watch daytime TV and see how many ads for insurance there are!) theres little money in it and often huge losses. the resons for it being expensive is not really minor bumps like yours but claim loaders and when people can't work again after a smash or when theres huge liability.
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1941 Wolseley Not Rod - 1956 Humber Hawk - 1957 Daimler Conquest - 1966 Buick LeSabre - 1968 Plymouth Sport Fury - 1968 Ford Galaxie - 1969 Ford Country Squire - 1969 Mercury Marquis - 1970 Morris Minor - 1970 Buick Skylark - 1970 Ford Galaxie - 1971 Ford Galaxie - 1976 Continental Mark IV - 1976 Ford Capri - 1994 Ford Fiesta
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Now then... I'm no copper but I think "failure to stop" is only an offense if you are in contact with any other vehicle or pedestrian. Are you sure? The guy who drove off has some responsibility surely? He/shes atleast a witness who left the scene of an accident. Its a really curse word situation to be in The person who caused it will be looking over their shoulder for a long time to come! Sounds like their a bit of a rubbish driver so probably wont be too long before they write their own car off if thats any consolation. You never know, you may catch up with them one day! |
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1987 Maestro 1.6 HL perkins diesel conversion 1986 Audi 100 Avant 1800cc on LPG 1979 Allegro Series 2 special 4 door 1500cc with vynil roof. IN BITS. HERITAGE ISSUES.  |
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if you are a witness to anything you have no legal compulsion to come forward unless you are issued with some kind of writ (like a supina in the US system) and they are, and I think they are only used in "matters of national interest" or something. So no, if you drive past an accident you don't have to stop.
As the guy is presumed innocent until found guilty he is not proven to have caused the accident, so he's "done nothing wrong".
Lets face it in the actuality of the law whats happened is that the accident which occured was the hitting of qwerty's car into a parked car, not any accident involving the Clio.
The "who cause the accident" trail is kept pretty short, only as far as who hit who, otherwise you'll get someone trying to blame a lass on the pavement for causing the accident because she was wearing a short skirt with nice legs and that was BOUND to distract my driving and cause me to run into the back of the other driver... type arguements.
I'm not saying its right, I'm just saying why its far better to hit the Clio - because then he's involved in an accident he caused rather than qwerty being in an accident which in the eyes of the law he caused.
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Last Edit: May 1, 2007 15:09:19 GMT by akku
1941 Wolseley Not Rod - 1956 Humber Hawk - 1957 Daimler Conquest - 1966 Buick LeSabre - 1968 Plymouth Sport Fury - 1968 Ford Galaxie - 1969 Ford Country Squire - 1969 Mercury Marquis - 1970 Morris Minor - 1970 Buick Skylark - 1970 Ford Galaxie - 1971 Ford Galaxie - 1976 Continental Mark IV - 1976 Ford Capri - 1994 Ford Fiesta
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1990-1994 model Toyota Starlet? |
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Perhaps the cleo driver would come under a seperate case of dangerous driving?
Next time someone pulls out in front of me, I'm not going to swerve!!
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1987 Maestro 1.6 HL perkins diesel conversion 1986 Audi 100 Avant 1800cc on LPG 1979 Allegro Series 2 special 4 door 1500cc with vynil roof. IN BITS. HERITAGE ISSUES. |
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probably his route to or from work 
curse word system 
