Insurance liability question - car [sorry!]

Ouch. BTDT. What a prat (me).

 

I did near enough the same thing a few weeks ago(1). Pulled over after
the lights, he straightened his bumper and told me all was okay.

I was relieved to an extent but I have this niggling feeling that he
may have been uninsured.

(1)No apparent damage to my car except the bumper has been pushed back
an inch or so and now I can't open the bonnet.

 

We had some Frog do that to us on the CBRthou, in Bayeux.

Never got a penny out the insurers, either.

--
| ___ Salad Dodger
|/ \
_/_____\_ GL1500SEV/CBR1100XXX/KH500A8/TS250C
|_\_____/_| ..75127../..18583.../..3196./.19406
(>|_|_|<) TPPFATUICG#7 DIAABTCOD#9 YTC#4 PM#5
|__|_|__| BOTAFOT #70 BOTAFOF #09 two#11 WG*
\ |^| / IbW#0 & KotIbW# BotTOS#6 GP#4
\|^|/ ANORAK#17 IbB#4
'^' RBR Landmarks: 12 Pts: 220 Miles: 914

 

petrolcan scribbled on the back of a napkin:

Either that or he couldn't be bothered because his car was so shite
anyway...

Was it?

Well, I'd call that apparent damage but hey...

 

I did I did I did I did. Two cars went past without mishap, but the third
was *that* much more closerer. I know the road and how tricky it can be,
and don't believe I was being [particularly] irresponsible.

Yebbut I'm not using the thread to bleat about it; just to get a view on
liability. What is, is - and the insco have been very efficient, and in the
context of life generally this has been a refreshingly bitch-free
experience. Thanks for your contra-views, though, which are a healthy and
invigorating bucket of cold water over my starry-eyed optimism!

A bike rider would - by virtue of superior training and observational
skills - have been far more
thoughtful/experienced/aware/responsible/concerned for his/her safety.

With pre-judgment skills like that, are you perhaps a JP?!

We'll see about that. The disproportionate damage means that my lads have a
vested interest in not accepting 50:50 )

 

Entirely valid point. Had used mirrors, was using mirrors and door was held
fractionally open. Point is - valid or not - that the third party came
extreeeeemely close, as possibly corroborated by the angle and nature of the
damage.

 

I don't think that you have much chance TBH, even if your insurers do
"play hardball". As any fule kno, insurers do wtf they want to,
usually taking the path of least resistance, especially if it saves
them money.

Reading all of your posts to this thread, it seems to me that you have
little chance, except of your insurers paying for the damage to your
vehicle - as well as to the vehicle that hit you. You say that you
were parked in an area that you know is a bit iffy when it comes to
traffic - you were also on a bend. The Third Party - was she keeping
tight to you to avoid oncoming traffic perhaps - or maximising her
view round the bend?

The salient point that occurs to me - echoing back down the years from
the occasion that I rammed a shiny new Mazda (owned by a senior lawyer
for the NCB) up the arse with my POS Dolly Sprint, leaving a fantastic
imprint of a pair of Cibie Super Oscars in his rear panel that looked
like he'd had a visit from a hiogh-speed Pamela Anderson - is that you
.... "failed to keep an adequate lookout ... " and that by your
"...patent lack of observation and anticipation ... " caused another
road user to collide with you.

In your shoes, I'd keep a pretty low profile, fill in the forms
carefully and avoid protesting too much, while hoping to get a
knock-for-knock out of it. I really think you are on a bit of a
sticky wicket with this one, young man.

 

ICBW, but that makes it sound like you parked on the inside of a blind bend.

We need a picture.

 

In that case, however, you would have been bang to rights, as
following/overtaking traffic is always - well, 99.9% of the time - in the
wrong by definition, as has been alluded to in other recent threads ...
"slam on brakes of SOC, causing tailgating twat to nosedive straight in".
Yes, admittedly with even more observation and anticipation it wouldn't have
happened. Still, it did and I was looking for informed opinion. I've had
that from many here, for which much thanks.

Young man, indeed! Look, however much you flatter me you're *not* getting
into my knickers.

 

The merest of curves, and in a sorta semi kinda lay-by opposite the shop,
but good point.

 

His was 'less shite'

I suppose so but sorted now with the aid of a club hammer

 

What's that... is that Mr. Darwin I hear calling me?

 

She was stupid and it taught her a lesson?

You ran into her and persuaded her it was her fault, that makes you the
****.

 

Fair enough, then.

By ****, you just can't get the class of argument around here you used
to.

 

You haven't got a Peugeot 206 as well at home do you?

At least it wasn't a bike - it's not a pleasant experience