E90Post
 


Studio RSR
 
BMW 3-Series (E90 E92) Forum > BMW E90/E92/E93 3-series General Forums > Regional Forums > UK > I hate insurance :(



Reply
 
Thread Tools Search this Thread
      06-02-2013, 08:37 PM   #1
Icekube
Captain
Scotland
46
Rep
891
Posts

Drives: E87 130i
Join Date: May 2013
Location: Livingston

iTrader: (3)

I hate insurance :(

So ive not long bought my E91 (bought it 05/05/13) and not even 2 weeks of ownership later, a nice motorcyclist decided to crash into the passenger rear qtr on a roundabout.

wasn't a suitable place to stop (major roundabout on a dual carridgeway) so we had to drive to the next off ramp, and as a result i couldn't get an witnesses.

so once at the side of the road, the guys un-injured, and admits he didnt know where he was going, said sorry etc, offered insurance details, everything was very amicable.

so heard back on Friday, he is claiming that i cut him up, and as a result, its went 50/50 as its my word against his.

here is a picture of the roundabout, with the routes both parties took, i being the blue line, he is the red line.


guess im just having a bit of a vent/rant, but anyone had this happen to them, is there anything you can do?
Appreciate 0
      06-02-2013, 09:23 PM   #2
sylonien
Major
sylonien's Avatar
United Kingdom
114
Rep
1,326
Posts

Drives: M3
Join Date: Apr 2012
Location: UK

iTrader: (0)

Happend to me twice in my 9 years of driving.
But both times I luckily managed to manically swerve away and just JUST avoided being smashed into on the very last moment.

Once when I just passed my test and once very recently in my new M3 on my way to get the oil service done at dealer.

Something saved me both accounts, but not me. Angel? Weird spider sense or something else. But it happened so quickly that I didn't really have time to think and to process.

Sorry to hear though! I was shitting myself both accounts. So close.
__________________
Appreciate 0
      06-02-2013, 09:25 PM   #3
z19930612
Lieutenant
z19930612's Avatar
China
129
Rep
483
Posts

Drives: 1 Series M Coupe
Join Date: Feb 2013
Location: Shanghai

iTrader: (0)

Quote:
Originally Posted by Icekube View Post
So ive not long bought my E91 (bought it 05/05/13) and not even 2 weeks of ownership later, a nice motorcyclist decided to crash into the passenger rear qtr on a roundabout.

wasn't a suitable place to stop (major roundabout on a dual carridgeway) so we had to drive to the next off ramp, and as a result i couldn't get an witnesses.

so once at the side of the road, the guys un-injured, and admits he didnt know where he was going, said sorry etc, offered insurance details, everything was very amicable.

so heard back on Friday, he is claiming that i cut him up, and as a result, its went 50/50 as its my word against his.

here is a picture of the roundabout, with the routes both parties took, i being the blue line, he is the red line.


guess im just having a bit of a vent/rant, but anyone had this happen to them, is there anything you can do?
No CCTV?
Appreciate 0
      06-02-2013, 09:28 PM   #4
Kerr
Brigadier General
Scotland
112
Rep
4,021
Posts

Drives: BMW M235I
Join Date: Dec 2010
Location: Aberdeen

iTrader: (0)

That's a shame.

Not as if the Edinburgh bypass isn't well marked out.

Nice to see another Livingston member. That's my hometown although I'm up in Aberdeen now.

Still down the road a lot.
Appreciate 0
      06-03-2013, 01:51 AM   #5
makkan00
Major General
makkan00's Avatar
United Kingdom
886
Rep
9,097
Posts

Drives: F83 and F36
Join Date: Dec 2011
Location: Essex

iTrader: (56)

I had the similar incident but despite of a bike, it was European truck driver (possible partially blind).
Similar situation and he wanted to go straight where I was taking the exit. Indicator was still on but being LHD or don't know why he missed my car and NS rear panel was damaged.
To cut the long story short, not witnesses therefore it settled as 50/50 two year down the road. And my premium went up!
__________________
F36 Xdrive for her - HUD, park assist, heated steering wheel, rear camera, Apple car play
F36 RWD for him - HK, M sports pack, GTS tail light, Apple car play
Appreciate 0
      06-03-2013, 01:56 AM   #6
safety_james
Safety Car Driver
safety_james's Avatar
13
Rep
369
Posts

Drives: E92 330D & E92 M3
Join Date: Mar 2013
Location: Norfolk

iTrader: (8)

Garage List
2007 BMW E92 330D  [0.00]
2012 BMW M3  [5.50]
This sort of thing really annoys me, and gives me more reason to consider a road hawk.

Gutted for you!
__________________
"Racing is life... everything before and after is just waiting"
Appreciate 0
      06-03-2013, 04:05 AM   #7
djgandy
Colonel
djgandy's Avatar
146
Rep
2,337
Posts

Drives: E93 M3
Join Date: Aug 2012
Location: London

iTrader: (0)

Garage List
2011 M3  [0.00]
The only thing you can do is grab your phone and take a load of photos right after the crash clearly showing where your vehicles were after the incident. Unfortunately unless you can find witnesses or CCTV (there must be CCTV on that junction?!) it is just his word vs yours.
Appreciate 0
      06-03-2013, 04:54 AM   #8
MEGA
Dieseasal
MEGA's Avatar
United Kingdom
204
Rep
6,881
Posts

Drives: LCI E92 335d M-Sport
Join Date: Jan 2009
Location: Harrow, London

iTrader: (2)

If it hit your passenger rear quarter it sounds as if you cut in on him / closed off his space. You're lucky it didn't go 100% in his favour.

Take the 50/50 on the chin: Curse insurance companies (I have a similar situation going on at the moment except it's much more openly "not my fault" than how your situation sounds.. ) and move on.
__________________
Previously: 2003 Peugeot 206 1.6 8v | 2006 E90 320d M-Sport, 19" BBS CH, Full Ice-cold JL audio install, August 2010 Total BMW 6 page feature car. | 2003 Nissan 350Z GT Coupe 286BHP
Now:2010 E92 LCI 335d M-Sport
Appreciate 0
      06-03-2013, 04:56 AM   #9
IanS100
Major General
IanS100's Avatar
England
136
Rep
5,050
Posts

Drives: 520d F10 LCI M Sport
Join Date: Nov 2011
Location: Southport UK

iTrader: (0)

Last year I was threatened with prosecution & pursued by an insurance over an accident in which I was not involved and which I knew nothing about - it took 6 months of phone calls, arguing, photographs of my undamaged car and an engineers report before it was accepted that I was not involved. I pressed for action against the other driver because it was clearly a complete fabrication, but it was put down to mistaken identity
Appreciate 0
      06-03-2013, 04:58 AM   #10
djgandy
Colonel
djgandy's Avatar
146
Rep
2,337
Posts

Drives: E93 M3
Join Date: Aug 2012
Location: London

iTrader: (0)

Garage List
2011 M3  [0.00]
Quote:
Originally Posted by MEGA View Post
If it hit your passenger rear quarter it sounds as if you cut in on him / closed off his space. You're lucky it didn't go 100% in his favour.

Take the 50/50 on the chin: Curse insurance companies (I have a similar situation going on at the moment except it's much more openly "not my fault" than how your situation sounds.. ) and move on.
How's that? The picture of the roundabout shows two lanes that exit onto a dual carriageway. The motorcyclist has failed to exit and instead merged into another lane hitting the car.
Appreciate 0
      06-03-2013, 05:17 AM   #11
dobbo99
Major
227
Rep
1,489
Posts

Drives: E39 530 oldskool
Join Date: Jan 2011
Location: UK

iTrader: (0)

I had this years ago, I was going down a filter lane to turn right, and someone pulled right into said filter lane without looking. he admitted everything there and then, and a police car even stopped to ask if all was ok to which we both said yes, so they drove off.
got home called the insurance company, all was well for about 3 weeks, then the guy decided that he wasn't even there and Id made it all up.

as I had his address, I went round and knocked on his door (2 x 6'4" blokes on your doorstep seems to have an impact!) which was a little short sighted from me when I think about it now, but after a little persuasion he admitted it was his girlfriends car and wasn't insured to drive it, and offer me cash to get in fixed and keep quiet.

now, I would have just shopped him out of principle, but at the time I was just a kid with a damaged Calibra that I wanted to look nice again.

anyway, my point is that you have his contact details, why not try and appeal to his better nature?? worth writing a letter, or a phone call, if he's local then knock on the door.
Appreciate 0
      06-03-2013, 05:40 AM   #12
Icekube
Captain
Scotland
46
Rep
891
Posts

Drives: E87 130i
Join Date: May 2013
Location: Livingston

iTrader: (3)

Quote:
Originally Posted by MEGA View Post
If it hit your passenger rear quarter it sounds as if you cut in on him / closed off his space. You're lucky it didn't go 100% in his favour.
the lane he was in was for exiting onto lane 1 of the A720 only, the lane i was in was exiting onto Lane 2(where i was heading) of the A720 or continuing round the roundabout.

he tried to continue round the roundabout at the last minute.

I guess im more pissed at him for being dishonest, thankfully he lives miles away, cause coming out of work on Friday i was livid
Appreciate 0
      06-03-2013, 05:42 AM   #13
Icekube
Captain
Scotland
46
Rep
891
Posts

Drives: E87 130i
Join Date: May 2013
Location: Livingston

iTrader: (3)

Quote:
Originally Posted by djgandy View Post
The only thing you can do is grab your phone and take a load of photos right after the crash clearly showing where your vehicles were after the incident. Unfortunately unless you can find witnesses or CCTV (there must be CCTV on that junction?!) it is just his word vs yours.
there is a traffic Scotland camera covering the roundabout, but their website states that they don't record the footage, unless specifically requested by the Police for a specific period
Appreciate 0
      06-03-2013, 06:08 AM   #14
TheAshman
New Member
0
Rep
19
Posts

Drives: E90 320d SE
Join Date: Apr 2013
Location: Slough, UK

iTrader: (0)

Quote:
Originally Posted by Icekube View Post
there is a traffic Scotland camera covering the roundabout, but their website states that they don't record the footage, unless specifically requested by the Police for a specific period
You'd have to report the accident to the police giving them a time and date. Then request that any CCTV footage. It takes a few weeks but at least you'll have closure.
Appreciate 0
      06-03-2013, 06:21 AM   #15
IanS100
Major General
IanS100's Avatar
England
136
Rep
5,050
Posts

Drives: 520d F10 LCI M Sport
Join Date: Nov 2011
Location: Southport UK

iTrader: (0)

Quote:
Originally Posted by Icekube View Post
there is a traffic Scotland camera covering the roundabout, but their website states that they don't record the footage, unless specifically requested by the Police for a specific period
Quote:
Originally Posted by TheAshman View Post
You'd have to report the accident to the police giving them a time and date. Then request that any CCTV footage. It takes a few weeks but at least you'll have closure.
If it's not recorded they won't be able to supply it!!
Appreciate 0
      06-03-2013, 06:33 AM   #16
Icekube
Captain
Scotland
46
Rep
891
Posts

Drives: E87 130i
Join Date: May 2013
Location: Livingston

iTrader: (3)

well another kick in the ribs while i'm down.

the insurance company will charge me an additional £250 if i want to use my own repairer rather than the slapdash jockeys they call their "approved" repairers.

that coupled with my 250quid excess, means they are expecting me to pay 500quid up front for repairs that i have been quoted 800quid to fix
Appreciate 0
      06-03-2013, 06:37 AM   #17
tmarshall57
Captain
tmarshall57's Avatar
United Kingdom
56
Rep
623
Posts

Drives: F10 530d M Sport, E87 118d M
Join Date: Apr 2008
Location: Bury, Lancs, UK

iTrader: (0)

Garage List
Use a freedom of information request to identify clearly whether CCTV footage was recorded at the time of the accident and request provision of copies of footage if so recorded.
__________________
F10 530d M Sport, September 2012 Individual Amazonite Silver, Oyster Dakota Leather, Auto, Nav Pro, Bluetooth + USB Devices, Expanded BMW Online, Comfort Seats, Sunroof, Sun Protection Glass Individual Satin Walnut Honey Brown Trim Interior Inside/Outside Mirror with folding and autodip, M Rear Spoiler
Appreciate 0
      06-03-2013, 06:42 AM   #18
Crimefighter
New Member
0
Rep
16
Posts

Drives: E92 335i SE
Join Date: Mar 2012
Location: Islington

iTrader: (0)

The road markings on your diagram clearly show the motorcyclists lane exiting the roundabout.

Therefore what he actually did was perform a lane CHANGE (NOT merge - that is something different) without due care, and you were 100% in the right.

Real shame about the lack of witnesses.
Appreciate 0
      06-03-2013, 07:46 AM   #19
zltm089
Banned
zltm089's Avatar
United Kingdom
242
Rep
7,690
Posts

Drives: 335i SE Coupe Space Grey
Join Date: Nov 2008
Location: LONDON

iTrader: (0)

Garage List
2006 BMW 335i  [10.00]
time to invest in a decent camera!...those buttfcukers! this whole car insurance industry is pretty much fcuked up!
Appreciate 0
      06-03-2013, 08:33 AM   #20
Icekube
Captain
Scotland
46
Rep
891
Posts

Drives: E87 130i
Join Date: May 2013
Location: Livingston

iTrader: (3)

Quote:
Originally Posted by zltm089 View Post
time to invest in a decent camera!...those buttfcukers! this whole car insurance industry is pretty much fcuked up!
yea i am considering front and rear facing cameras, i bet they would still find a way to worm money out of me
Appreciate 0
      06-03-2013, 02:25 PM   #21
zltm089
Banned
zltm089's Avatar
United Kingdom
242
Rep
7,690
Posts

Drives: 335i SE Coupe Space Grey
Join Date: Nov 2008
Location: LONDON

iTrader: (0)

Garage List
2006 BMW 335i  [10.00]
Just saw the pics!!!!!!!!!!!!!....people always do that at roundabouts!!!!!!!!!...fcukin bunch of dickhead cocktards that can't drive!....p1sses me off big time!...those twats...they need a good beating...
Appreciate 0
      06-03-2013, 02:32 PM   #22
yarviinn
Captain
yarviinn's Avatar
21
Rep
687
Posts

Drives: E9TT3
Join Date: Aug 2012
Location: NorCal

iTrader: (1)

Should have made sure he died. 100% favor to you. Just kidding.
Appreciate 0
Reply

Bookmarks


Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off



All times are GMT -5. The time now is 05:38 PM.




e90post
Powered by vBulletin® Version 3.8.11
Copyright ©2000 - 2024, vBulletin Solutions Inc.
1Addicts.com, BIMMERPOST.com, E90Post.com, F30Post.com, M3Post.com, ZPost.com, 5Post.com, 6Post.com, 7Post.com, XBimmers.com logo and trademark are properties of BIMMERPOST