Brake Tested Tonight

[Al1exx]

Alright folks, wondering if you could fire me a bit of advice.

Was out & about the nite in the Corsa and someone cut me up really badly from a side street in a heavily modded Corsa with 2 fart cans. I actually thought he was going to stop in the middle of the road cos no way could he make it in, but he kept going and nearly hit me. Honked the horn but off he went and that was that.

Half a mile down the road, ended up behind him at the lights, outside the police station. Turning left.
First of all, he sticks his reversing lights on. So I roll a little back, he's sitting there laughing with his g/f. Then we go, and he brakes, and I do too, he does this again, and the guy behind me's getting mighty close! He keeps doing this maybe another twice, and the final time we are halfway round the corner and about to go, he does it again and I run into him at about 5mph, maybe less cos I was braking at the time.

Long story short, he smudged the dust on my front number plate a little, and that was it. However, as his car is made of filler and fibreglass, his rear bumper is mashed to fook his smoothed in arches are cracked to fook too. He's ranting & raving about how much it cost him, I'm ranting & raving about how he can't drive for 5hit.

The police take all our details (they saw the whole thing, there were three of them watching!) and off we go. I've to report it to my insurer tomorrow. I didn't give him my details (the police said I didn't have to).

HOWEVER, the thing is - in the eyes of the insurer, this is going to be my bl00dy fault right? Cos he stopped and I hit him? So if he tries to claim my insurance, I'm fooked right? I'm prepared to fight it in court, but when I report it tomorrow I'll be telling my insurer my car is spotless, and the full story about what happened. I also have the incident report.

Thoughts?

[Stuart]

thoughts are hes a scumbag trying to blag some whiplash money....

[Jack]

Yeah, in the eyes of insurance it will be your fault unfortunately. At best you'll get a 50/50 I'd say.

You may want to inquire to his insurance company as to the mods present on his car - if he's your average chav you can bet he hasn't declared them. Which of course makes his insurance void... although I doubt that would affect the claim.

[edit] BTW, kudos for trying to take out a Corsa lol

[Al1exx]

I'm hoping I'll no hear anything about it at all to be honest!
Anyone any experience of declaring a non fault, non claim accident, how much will it fook up my insurance? It's the only one I've ever had.

[Al1exx]

I'm thinking if he hasn't declared them then he'll not claim, as he'll be an uninsured driver. He was very pre-occupied about the cost of repairs. I didn't do anything wi my car, just drove off. I only found the smudge about an hour later when desperately looking for some damage lol.

[Sherco]

What did the police say? Did they see the chav ******* doing all the stopping, starting, reversing etc?

[Al1exx]

Told us to stop arguing or one of us would be spending the night!!
They never saw the reversing I don't think. Assume they'd have felt his collar for that if they had. They'd have to be blind not to see the stopping & starting but you know how it is, it was a little dark, slightly round the corner etc.

[Al1exx]

Hey, could be worse.
I wasn't hurt, neither was he (!!) and my car isn't marked. His on the other hand.....
What I jus don't get, why risk your 'pride and joy' to show off to your other half? She looked less than impressed.
Kids these days lol

An maybe he'll think twice brake testing someone again!!

[Al1exx]

I'm sittin here concerned about loosing my NCD / paying a little more for my insurance. Wi any luck he's no even covered and is now seriously regretting messing about.

[Royston]

I would see about a statement from the police officers, see what they say, technically you are at fault,

Is the guy going to claim off your insurance? if his mods aren't declared it's worth pointing it the posibility of invalid insurance on his part, were either of you given producers? or checks done?

[Al1exx]

I don't know, I drove off after giving my statement, the police said I could just go, he's not got my details. I don't know how all this works TBH.

I was given a producer for the usual, MOT, Ins and DL. No checks done.

[Ricky G]

if he hasnt taken your details then wait for the letter to come through your door from his insurance company before you do anything. as said the chances are he wont have declared mods and wont do anything. if you phone you insurance company i would say your kind of dropping yourself in the ****.
disclaimer....im not an insurance specialist so ignore my comments.

[blue_peg_16v]

if his mods arnt declaired his insurance is invalid so the police can do him for inseficient insurance plus as he shouldnt have been on the road the claim should be thrown out, a statment from the police would help too just incase, with the company i work for your first claim weather fault or not would not load yor policy but obviously if fault you will loose your ncd if not protected and this will undoubtedly increase your insurance costs, make sure your insurers know that the car was heavily modified, good luck

[Al1exx]

Cheers for the info / advice, my NCD isn't protected unfortunately, I have 8 years, I thought you only lost 3?

[blue_peg_16v]

you loose 2 years plus the year your in but usualy companies will step back from 5 as 5 is max for discount, we hold up 2 9 years at work but if you make a claim on 9 years you would still go back 2 3 years, depends on the company though so would check

[Al1exx]

Will do my friend, will do!!!
Im ofski the now, thanks for the support. Will let everyone know what happens.

I try to look at stuff from both sides, I dunno, maybe the reverse light was a trick to get it into gear, I do that sometimes to get first cos my linkages are shonky. But there was no excuse for the other crap really.

Least my wee car never got hurt I guess, and me & my bro were ok.

[Welsh Dan]

TBH, if he did it once, you should have stayed so far back that it couldnt possibly have happened, and you should have been there already. Unfortunately there are knob jockeys on the roads like this :(.

[Nick]

It's a shame you didn't get the guy behind you to give a statement to the police saying that the chap in the corsa was pratting around, braking e.t.c

Like Razorjack said, he's likely not to be covered for his mods, so make your insurance company aware of the fact it was a highly modified car.

[Riggy]

as already been said in the eyes of the law its your fault ,

i had a similer thing happen over a yr ago now, a fella in a a3 slammed on in front of me , i braked and skidded and hit him at about 10mph if that , no damage to my nova but a bit of white paint on the bumper if the audi , i took loads of pics just incase lol

anyhow few month later i get a letter saying he claiming for this and that , on that letter is that the audi was written off lol

i gets on phone th insurer and speeks to them and say i have pics of his car after accident , emails them to then and its gone from there , ive had investigaters round for statements and pics etc , soliciters and its in court next month i think , i loast 2 years no claims this year and insurance went up ?250 but they did say that if its proven that he caused the damage himself then he get ****ed and id get my premium and my NCD back ,

bring it on my non english friend :thumb:

[Ben]

Got to go a little careful with not telling your insurance as he can make a remote claim.

i done this once, someone reveresed into my mrs and offered to pay cash for repairs- no problem only they didnt pay, so i done some homework and checked the motor insurance database found her details and phoned them up and lodged the claim, automatically made her look bad by not pre warning them.

[mowgli]

my missus touched a car (that had already been in a rear end bump) in a queue of traffic, leaving our car completely undamaged, the other driver said Oh don't worry, its already been hit, but I'd better take your details just in case' my missus did, & also rang the insurance & told them....because you are supposed to.....

cut to renewal day.....

We have been claimed for ?5500 & our insurer paid up because my missus had 'admitted to it'. When we enquired about the fact that our car had no damage whatsoever & we had not submitted a claim form & never spoke to anybody concerning it at all, they said it had been done & that was that, but we could try the ombudsman but we'd better hurry, ie. that day, or the policy would be out of date.......We changed insurer, but had to pay ?500 more than the previous year..... The missus won't give her details in a hurry again.

[Riggy]

PMSL ?5500 , i put abit of paint onto a rear bumper and they claimed ?17k lol

no wonder they are taking it to court

here is the damage that i caused , like said 17k was claimed for this

http://img.photobucket.com/albums/v13/riggy4/22022007146.jpg

http://img.photobucket.com/albums/v13/riggy4/22022007144.jpg

[Shaun_O'Donnell]

Shame to read about this Alex, just remember Insurance companies are only there to make money, they'll get something out of you some way. Be careful.

PM me some details of the corsa, will keep an eye out for it.

[blue_peg_16v]

jesus they claimed 17k for that, did they fit a veron rear bumper by mistake!!!!!!

[Al1exx]

Thanks for all the posts.

Decided to do what I thought was the right thing today, called up the insurance and declared it, said I would not be taking liability and explained why. The woman I spoke to basically sympathised and said it would be referred to disputes but like you guys said, would be real tough to prove otherwise. Nothing will be done at present as I'm not claiming. She said he's got 3 months to claim then it'll be closed and won't do anything to my renewal. He's got 5 years to claim legally though. If he wins, I'll loose 2 yrs NCD like youse all said. I ran off a quick quote and, even with my one conviction, this accident my own fault, and 3 years NCD, my ins only goes up ?40. So no too bad.

Also popped round the cop shop and handed over all my details, no probs there.

Re: should have been further back - agreed. Just got too close with all the stopping and starting and fuddin about! Will be more careful in future. I just kept up the kinda standard gap and his brakes appeared to be waaay better than mine!!

Shaun, you have pm.

Thanks again guys. I felt a tiny bit sorry for him the day, so got him a flyer for my local bodyshop guy to stick on his windscreen if I ever see him again! lol