Insurance Claims

[Mackem]

My insurance is third party fire and theft. Just been hit by a bus pulling out of a bus stop, if i claim on my insurance will i have to pay excess ? and cost go up next year, i dont know how it works.

I've got two witness statements saying he just pulled out , no indication or mirrors and the bus driver has got one saying i was speeding , bare in mind i was in 2nd gear pulling off with my 2 week old son in the car.

How do they work out whos at fault ? If they work out its his fault , will his company (arriva) pay for my excess and whole lot or will i still be out of pocket?

 

[Wond]

Hit by a bus, you got the short straw there mate, unlucky.

 

[Elijah]

My insurance is third party fire and theft. Just been hit by a bus pulling out of a bus stop, if i claim on my insurance will i have to pay excess ? and cost go up next year, i dont know how it works.

I've got two witness statements saying he just pulled out , no indication or mirrors and the bus driver has got one saying i was speeding , bare in mind i was in 2nd gear pulling off with my 2 week old son in the car.

How do they work out whos at fault ? If they work out its his fault , will his company (arriva) pay for my excess and whole lot or will i still be out of pocket?

If it turns out that its the bus companies fault, you won't have to pay a penny as all the cost is on their side.

If it turns out to be your fault, then obviously you pay the excess to have their bus fixed.

What speed limit is the road you crashed on and what sort of damage was done?

I'm not entirely sure how they work out who's fault it is though, never needed to claim as of yet, *crosses fingers*.

/Ash

The only claim i've ever had to do was when the bus i was on breaked really heavily and i smashed the screen on my iPod (it was strapped aroudn my neck and i went into the seat infront), i got £100 towards a new iPod, so they can be fair.

*Edit*
Just read something that leads me to believe that the insurance companies decide who's fault it is, unless the Police got involved, in which case they can put their point of view into it. Not 100% sure but thats what i read.

 

[Mackem]

Yeah tell me about it, bloody double decker aswell!!

Speed limit along the road is 30 mph. But i stopped behind the bus as it was pulled half way across road as it was other sides right off way. When it was clear i went to pull off and got half way past it and noticed it was about to pull off. So is it possible in that time in a 1.4 to get from 0 - 30+ in 2nd gear?

 

[Elijah]

Yeah tell me about it, bloody double decker aswell!!

Speed limit along the road is 30 mph. But i stopped behind the bus as it was pulled half way across road as it was other sides right off way. When it was clear i went to pull off and got half way past it and noticed it was about to pull off. So is it possible in that time in a 1.4 to get from 0 - 30+ in 2nd gear?

I'd say if you was going over 30 then you wouldn't have a leg to stand on. But i could be wrong.

I drive a 1.6 clio and i know i can get from 0-30 pretty fast, i know its a little bigger engine but still.

Its not easy to judge, i mean, who was the people who witnessed the no signaling etc? Was it friends or was it just random people, people on the bus or?

P.S If you only got halfway down the bus going up to 30mph, then you must of speeded up quite fast from a stand still.

 

[Mackem]

Two random people, one walking home from chip shop, second a lady waiting in her car for her husband at the chicken shop. Yeah a 1.4 pulling a shell of an escort with boot full of shopping and pram with 2 adults in the car also. Maybe if i had a mustang then maybe i could have.

Just getting pictures , i'll upload in a sec, not really bad but i don't want to pay out if not my fault.

 

[Mackem]

..........................

 

[Elijah]

Two random people, one walking home from chip shop, second a lady waiting in her car for her husband at the chicken shop. Yeah a 1.4 pulling a shell of an escort with boot full of shopping and pram with 2 adults in the car also. Maybe if i had a mustang then maybe i could have.

Just getting pictures , i'll upload in a sec, not really bad but i don't want to pay out if not my fault.

No what i'm saying is.

If you was at a stand still and accelerated slowly, you wouldn't of made it so easily to 30mph+ at the time you was at the side of the bus.

So you must of put your foot down a little to have reached 30mph by the side of the bus.

I know that having shopping in a boot and having a second adult in the car, doesn't effect my acceleration heavily.

What damage was on the bus?

/Ash

 

[Mackem]

Sorry you got wrong end of stick, i meant i was'nt anywhere near and not possible to get to 30mph from the end of the bus to the middle ( say 12 foot ) The bus driver said I was going over 30mph which is impossible to get from 0-30 in approximately 12 foot in 2nd gear.

 

[Colonel]

what mackem is saying is he didnt make it to 30, most he wouldve made it to is 15mph. ask for the bus drivers driving history, accidents claims etc, see if anything like this happened to him b4. end of the day its about 500 quid of damage if you get it repaired, its only superficial and i cant see the bus being damaged at all lol.

 

[^G0trex]

going wat from tofas said, due to u being 3rd party, if it turns out its ur fault, u will have to o pay for ur car to be fixed urself,

also, the ratteling? is it constant or just while moving, ive never herd a driveshaft rattle before, they usualy whine =\

 

[Mackem]

going wat from tofas said, due to u being 3rd party, if it turns out its ur fault, u will have to o pay for ur car to be fixed urself,

also, the ratteling? is it constant or just while moving, ive never herd a driveshaft rattle before, they usualy whine =\

Don't notice it when driving . . when slowing down or coming to a halt it starts to rattle.

 

[^G0trex]

Don't notice it when driving . . when slowing down or coming to a halt it starts to rattle.

cud be a lose exhaust mayb knocking on ur gear linkage, or the cv joint( but then again thats more of a whine)

 

[JealY]

Yea driveshafts have that fo shizzle to stop them from moving L+R, so it wont be that rattle-ing, I don't think.

 

[Atomicide]

People Seeing bus pull out of the bus stop and hit your car, with no indicators = reliable evidence.

Someone saying you were speeding is down to pure speculation, unless the witness was in your car as a passenger and was looking at your speedometer at the time.

Even if you were speeding, the driver shouldn't have pulled out. If you were going as fast as it was claimed you were then they should have taken that into account and realised it was not safe to pull out.

If the claim is disputed then its 99% in your favour. You have witnesses giving reliable evidence not based on speculation or judgement. You have the fact they will have seen your child in the car which is in your favour. If the bus company has any intelligence at all they will not waste time disputing the claim.

 

[Perebble]

Nice trainers.

 

[Mackem]

People Seeing bus pull out of the bus stop and hit your car, with no indicators = reliable evidence.

Someone saying you were speeding is down to pure speculation, unless the witness was in your car as a passenger and was looking at your speedometer at the time.

Even if you were speeding, the driver shouldn't have pulled out. If you were going as fast as it was claimed you were then they should have taken that into account and realised it was not safe to pull out.

If the claim is disputed then its 99% in your favour. You have witnesses giving reliable evidence not based on speculation or judgement. You have the fact they will have seen your child in the car which is in your favour. If the bus company has any intelligence at all they will not waste time disputing the claim.

Hopefully it will go the way you just said. Common sense on their part would make it alot faster. The bus driver has denied liability, so it looks as its going to be a while till it all get sorted. On the plus side got a 07 honda civic courtesy car till the engineers get my car back to me.

Nice trainers.

Thankyou

 

[lewis]

insurance claims are a pain, 50% of the time the finger gets pointed at the wrong person. 2 days ago i had a smack in my car. I was going round a corner in 30mph limit, i go round a parked car as the road is clear. As i'm going past the car a motorbike comes flying around the corner at about 50mph. I had time to break and almost stop but he did not have control and smacked strait into the car. Who is to blame? well it certainly wasn't me as i had almost completely stopped due to me driving at the speed limit, but he couldn't stop due to his speed. Now who is going to get blamed? probably me as i was going around a parked car and i do not know how i can convince the police he was hammering it around the corner.. any thoughts on my claim either guys........

oh and about the bus pulling out, bus drivers have done this many times to me, they indicate to pull out as they are doing so, without looking for any passing traffic, busses think they own the road.