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#Post#: 43491--------------------------------------------------
Partner crashed into car on sliproad - next steps?
By: tiggles111 Date: November 1, 2024, 7:57 am
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Hi there,
I am the owner of the vehicle and the insurance policy is in my
name but my partner is a named driver.
She was coming off a roundabout and onto a two lane sliproad.
Straight after coming off the roundabout she needed to be in the
left-hand land so indicated left and moved over. She either
didn't see (blindspot, perhaps) the car approaching or they were
speeding. Either way, our vehicle did not beep or give warnings
as it usually would if a car was approaching at the side.
The result was a bit of scraping and denting to the body work -
the other vehicle ended up ahead of my partner and stopped in
front. Unfortunately she was unable to take photos of the damage
to the other vehicle as it was not safe to do so. They swapped
contact details so will try to get these. No dashcam from our
side and I believe no dashcam from their side either.
I understand from my partner that she may have admitted fault at
the scene (although to me it's not necessarily as clear cut as
that given potential for speeding from the other party and lack
of warnings from our otherwise reliable vehicle). It's possible
the other party was behind my partner initially, then pulled out
to the left hand to speed past.
I've never had to raise a claim or deal with anything like this
as I've never been involved in any accidents. What is the best
course of action here? My goals are to just keep costs down to a
minimum.
Thank you. Happy to provide additional information.
#Post#: 43492--------------------------------------------------
Re: Partner crashed into car on sliproad - next steps?
By: 666 Date: November 1, 2024, 8:07 am
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The best course of action is probably to report it to your
insurer (which you're obliged to do) with her version of
events., and leave it to them.
From your (2nd hand) account I suspect your partner will be
judged at fault. It appears she changed lane without effective
observation. Anyway, if the LH lane had indeed been empty, why
was she in the RH (overtaking) lane?
#Post#: 43496--------------------------------------------------
Re: Partner crashed into car on sliproad - next steps?
By: tiggles111 Date: November 1, 2024, 8:24 am
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[quote author=666 link=topic=3715.msg43492#msg43492
date=1730466451]
The best course of action is probably to report it to your
insurer (which you're obliged to do) with her version of
events., and leave it to them.
From your (2nd hand) account I suspect your partner will be
judged at fault. It appears she changed lane without effective
observation. Anyway, if the LH lane had indeed been empty, why
was she in the RH (overtaking) lane?
[/quote]
Thanks for the response. So just a "report" as opposed to going
through the 'Claim' process online?
And the reason for being in the RH lane is because you're there
be default when you come off the roundabout. She was coming from
North and following the only lane round onto the sliproad and
the other vehicle was coming from South following a separate
lane round. She needed the next junction along (1 mile) which is
why she moved over.
Another question... this is going to (potentially) affect my
insurance, right? Even though I wasn't even in the vehicle at
the time
#Post#: 43507--------------------------------------------------
Re: Partner crashed into car on sliproad - next steps?
By: 666 Date: November 1, 2024, 9:56 am
---------------------------------------------------------
[quote author=tiggles111 link=topic=3715.msg43496#msg43496
date=1730467470]
[quote author=666 link=topic=3715.msg43492#msg43492
date=1730466451]
The best course of action is probably to report it to your
insurer (which you're obliged to do) with her version of
events., and leave it to them.
From your (2nd hand) account I suspect your partner will be
judged at fault. It appears she changed lane without effective
observation. Anyway, if the LH lane had indeed been empty, why
was she in the RH (overtaking) lane?
[/quote]
Thanks for the response. So just a "report" as opposed to going
through the 'Claim' process online?
And the reason for being in the RH lane is because you're there
be default when you come off the roundabout. She was coming from
North and following the only lane round onto the sliproad and
the other vehicle was coming from South following a separate
lane round. She needed the next junction along (1 mile) which is
why she moved over. It's a bit of a weird one - check here -
HTML https://www.google.co.uk/maps/@52.2371894,0.148616,17z?entry=ttu&g_ep=EgoyMDI0MTAyOS4wIKXMDSoASAFQAw%3D%3D<br
/>- so she was coming north from A10 and he was joining from
Milton Road.
Another question... this is going to (potentially) affect my
insurance, right? Even though I wasn't even in the vehicle at
the time
[/quote]
If the damage is minor and you don't intend to claim, then yes
just report it. However, it sounds as if the 3rd party may
claim.
Yes, it will affect your future insurance premiums to some
extent. Also, your partner will need to declare it either as a
named driver )if you change insurer), or to get a policy in her
own name.
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