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#Post#: 92941--------------------------------------------------
Advise following road traffic collision -
By: Flareb95 Date: October 5, 2025, 3:49 pm
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Hi all, I am in hospital with a broken leg following a road
traffic accident a few days ago and need some advice.
The accident occurred on a main road, I had just merged onto the
main road (30mph road) after attending a shop at 23:15 on
Thursday night. After merging onto the road, a speeding car
swerved/lost control and hit my car head on. Luckily I wasn’t
going very fast (around 5-10mph) upon impact, and I’d guess the
speeding car was doing around at least 50 mph. It was raining
heavily so I suspect their ABS kicked in and they
skidded/couldn’t slow down at all.
Anyway, the driver of the speeding car fled the scene after the
crash, witnesses said he looked around 15 years old. Police
informed me today that the owner of the vehicle (it was a hired
vehicle) had reported it stolen 5 minutes after the accident
(surprise surprise)
There was myself and my partner in my car, my partner has been
discharged with sprained ankles and whiplash symptoms. I’ve come
out much worse with a snapped shinbone which required surgery
and a grazed elbow. I’m still in hospital recovering.
The cars have both been taken to the compound by the police for
investigation. Police said the shop they tried obtaining CCTV
from were not cooperating with them and didn’t give any footage.
This is my first accident and injury and want to know what to do
/happens next in this situation?
My car was a lease car (PCH) worth 40k brand new. There were 3
months left on the lease contract, then it was due to go back
(Company called ALD are the leaser) Luckily I have fully comp
insurance and GAP insurance.
I’ve informed my insurance of the accident on Friday. They said
they’ll give me a ring on Monday during office hours.
What happens next in this situation? Do I inform the lease
company too and would they sort everything out liaising with
police? What do I do about claiming for my injury, the police
mentioned something about going through Civil Claims / Break
Charity who would help us with the claim?
#Post#: 93018--------------------------------------------------
Re: Advise following road traffic collision -
By: stamfordman Date: October 6, 2025, 6:16 am
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Sorry to hear this - must have been frightening.
Of course you must tell the lease firm and I think given you
have gap insurance you have nothing to worry about financially -
is the car a write-off?
I would have thought the insurer will handle any issues with the
accident bar personal injury unless you have personal injury in
the policy too. You could have injury covered by other insurance
or by your employer if you have a job.
#Post#: 93057--------------------------------------------------
Re: Advise following road traffic collision -
By: roythebus Date: October 6, 2025, 9:39 am
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It's vitally important to report it to your insurers as soon as
possible and the police within 24 hours. Once you've filled in
the insurance forms the insurers will deal with most matters
including personal injury. If the other party doesn't have
insurance which seems unlikely "if" the car was "stolen" the
insurance brokers association will deal with that part of the
claim.
#Post#: 93126--------------------------------------------------
Re: Advise following road traffic collision -
By: disgruntchelt Date: October 6, 2025, 2:17 pm
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The hire cars insurance will cover the bill as it was the fault
of their car whoever the driver.
I would imagine the police are looking at the hirer carefully to
see if the theft claim can be substantiated or whether it was a
cunning ruse.
#Post#: 93851--------------------------------------------------
Re: Advise following road traffic collision -
By: The Slithy Tove Date: October 13, 2025, 2:49 am
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[quote author=stamfordman link=topic=8293.msg93018#msg93018
date=1759749366]
I would have thought the insurer will handle any issues with the
accident bar personal injury unless you have personal injury in
the policy too. You could have injury covered by other insurance
or by your employer if you have a job.
[/quote]Failing that, you could approach one of those no-win,
no-fee personal injuries claim companies. They will assess if
you have a case (their business model is not to chase lost
causes).
#Post#: 94217--------------------------------------------------
Re: Advise following road traffic collision -
By: Flareb95 Date: October 15, 2025, 11:06 am
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[quote author=stamfordman link=topic=8293.msg93018#msg93018
date=1759749366]
Sorry to hear this - must have been frightening.
Of course you must tell the lease firm and I think given you
have gap insurance you have nothing to worry about financially -
is the car a write-off?
I would have thought the insurer will handle any issues with the
accident bar personal injury unless you have personal injury in
the policy too. You could have injury covered by other insurance
or by your employer if you have a job.
[/quote]
Thanks, It’s been deemed a total loss and my insurers have asked
for a settlement fee from the leaser which they’ve given today.
[quote author=disgruntchelt link=topic=8293.msg93126#msg93126
date=1759778249]
The hire cars insurance will cover the bill as it was the fault
of their car whoever the driver.
I would imagine the police are looking at the hirer carefully to
see if the theft claim can be substantiated or whether it was a
cunning ruse.
[/quote]
Police are doing their investigation now, managed to get some
CCTV but couldn’t make out their faces.
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