Car Insurance/Police!

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  • Seamus SweeneySeamus Sweeney Posts: 3,997
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    grumpyscot wrote: »
    That's because ABS only works if your tyres can grip the road! Without grip, ABS is as useful as a chocolate teapot.

    So many people seem to think that ABS will always stop you - it's as if spikes magically appear from the tyres to grip the road (OK someone - name the James Bond film!).

    I don't know the Bond movie I'm afraid.

    But someone once asked me if abs would work when they were reversing.

    A bit like my reply above - it was one of those surreal moments that had me in stitches.

    Weird sense of humour I guess :blush:
  • michael37michael37 Posts: 2,622
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    da3bool wrote: »
    Thanks for the replies guys, appreciated.

    I was driving at 20mph.

    I was just seeking an advice as it's my first ever accident and I was never in this position before.

    As you have Third Party Fire and Theft, your insurers will not cover any damage to your own vehicle. You will need to make your own arrangements to repair the damage and, if appropriate recover the your losses from the other driver.

    The other driver (or his insurers) may contact you asking for reimbursement for his losses in due course, this is covered by your Third Party insurance and any such correspondence should be passed onto your insurers for consideration. If (very likely) you have an excess on the Third Party cover your insurers will send you a bill for the excess when/if they pay out any claims from the other driver.
  • Pull2OpenPull2Open Posts: 15,138
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    grumpyscot wrote: »

    So many people seem to think that ABS will always stop you - it's as if spikes magically appear from the tyres to grip the road (OK someone - name the James Bond film!).

    The Living Daylights
  • chenkschenks Posts: 13,231
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    Pull2Open wrote: »
    The Living Daylights

    i initially thought that as well, but in the frozen lake i think they just have normal tires.
    die another day certainly has spiked tires on the aston.
  • tim59tim59 Posts: 47,188
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    chenks wrote: »
    i initially thought that as well, but in the frozen lake i think they just have normal tires.
    die another day certainly has spiked tires on the aston.

    For anyone who wants tires like the 2 james bond films. http://www.google.co.uk/url?sa=t&rct=j&q=&esrc=s&source=web&cd=2&ved=0CCwQFjAB&url=http%3A%2F%2Fwww.motortorque.com%2Fblog%2F2014-02%2Fjames-bond-style-winter-tyres-with-retractable-studs-24645&ei=vpD9U9G-NoTTaLvcgNgM&usg=AFQjCNH2pVRYonXqiIWKsWTYlFEn4PlGxQ&bvm=bv.74035653,d.d2s&cad=rja
  • Pull2OpenPull2Open Posts: 15,138
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    chenks wrote: »
    i initially thought that as well, but in the frozen lake i think they just have normal tires.
    die another day certainly has spiked tires on the aston.

    definitely had spiked tyres on the lake. It was the Aston Martin Volante. Don't know about Die Another Day, the film was so bad, i haven't conmited it to memory.
  • YosemiteYosemite Posts: 6,192
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    da3bool wrote: »
    The taxi's car got away with a minimal damage. Just a little scratch on the bumper. <snipped>

    Mine is badly damaged from the front. Damaged headlights, bumper and bonnet
    .

    Unless the taxi in question is constructed from reinforced steel/concrete, this is impossible.
  • grumpyscotgrumpyscot Posts: 11,343
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    Yosemite wrote: »
    Unless the taxi in question is constructed from reinforced steel/concrete, this is impossible.

    Not so sure. Years ago a guy in a mini drove head on into my parked Saab. I straightened the number plate - his engine was cracked in the middle!

    In another Saab accident, guy drove into my rear. My bumper self-repaired, his car was a write off.
  • Vast_GirthVast_Girth Posts: 9,793
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    At best it might be put down as 50/50 if the taxi driver was stopped in a dangerous place. It doesn't sound like he was though. Either way with TPFT you are responsible for repairs to your vehicle. Time to cough up and deal with the inevitable insurance bump im afraid.
  • chrisjrchrisjr Posts: 33,282
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    Yosemite wrote: »
    Unless the taxi in question is constructed from reinforced steel/concrete, this is impossible.
    grumpyscot wrote: »
    Not so sure. Years ago a guy in a mini drove head on into my parked Saab. I straightened the number plate - his engine was cracked in the middle!

    In another Saab accident, guy drove into my rear. My bumper self-repaired, his car was a write off.

    Indeed. I once saw the remains of an accident on the M40 some years ago. Three vehicles had been involved where a Ford Escort had found itself as the filling in a Merc/BMW sandwich. From the look of it the BMW and Merc could have been driven away but the Escort was about 2/3rds the length it left the factory and a complete write off!
  • [Deleted User][Deleted User] Posts: 4,864
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    grumpyscot wrote: »
    Not so sure. Years ago a guy in a mini drove head on into my parked Saab. I straightened the number plate - his engine was cracked in the middle!

    In another Saab accident, guy drove into my rear. My bumper self-repaired, his car was a write off.

    That's because Saabs are made out of RSJs. Never felt so safe as when I had my Saab.
  • gdjman68wasdigigdjman68wasdigi Posts: 21,705
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    ba_baracus wrote: »
    Unless you have admitted liability already, then I would try making a claim on the taxi driver's insurance. He was parked where he shouldn't have been, causing a hazard and it seems the police may have agreed with you.

    The insurance company may agree the blame is 50/50 and pay out half of your costs.

    Not a chance. He was stationary, he could have broken down..

    What a silly thing to say
  • gds1972gds1972 Posts: 6,613
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    orangebird wrote: »
    That's because Saabs are made out of RSJs. Never felt so safe as when I had my Saab.

    The school of though about feeling safe in a car has moved on a little bit since those days.

    Care are generally now designed to crumple and absorbed as much of the impact as possible to try to reduce the impact force passed onto the driver. If it interests you the Euro NCAP web sight can be interesting reading on how cars compare to each other.

    http://www.euroncap.com/home.aspx
  • gdjman68wasdigigdjman68wasdigi Posts: 21,705
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    gds1972 wrote: »
    The school of though about feeling safe in a car has moved on a little bit since those days.

    Care are generally now designed to crumple and absorbed as much of the impact as possible to try to reduce the impact force passed onto the driver. If it interests you the Euro NCAP web sight can be interesting reading on how cars compare to each other.

    http://www.euroncap.com/home.aspx

    Renault Laguna 3rd gen was the first car with a 5 sear rating.. Has two of them nice cars. Plastic wings
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