50 / 50 ?

Fla5h

Fla5h

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Tony
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Would the insurance see this as a 50 / 50 spilt if there is such a thing

 
well it looked to me that the one nearest the camera actually stopped ( although a bit late ) so i would blame the one not in shot ( to start with )
 
I'd say that the Honda is a fault there as the Ford was stationary well before the collision and also the Honda was moving at quite some speed compared to the Ford suggesting as it didn't react in time that it was going too fast

So no don't see it being a 50/50 split at all
 
:agree:

The 1st car stopped & the other reversed into it.
 
donut said:
well it looked to me that the one nearest the camera actually stopped ( although a bit late ) so i would blame the one not in shot ( to start with )
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Yes, reversing slowing and looking in mirrors and stopped, actually when I put the car into reverse gear the other car was still shutting a rear door.

MWHCVT said:
I'd say that the Honda is a fault there as the Ford was stationary well before the collision and also the Honda was moving at quite some speed compared to the Ford suggesting as it didn't react in time that it was going too fast

So no don't see it being a 50/50 split at all
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Yes, the Honda was quick, I stopped and tried to get into 1st and move forward but no chance....Being out of reverse and clutch down to get into 1st actually helped I think as this took the impact out of it and the Ford moving forward quite easily. If we was both reversing at the same time the impact would have been harder.

OldCarlos said:
:agree:

The 1st car stopped & the other reversed into it.
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Yes exactly.

Just to add the other driver said "We both reversed into each other" I said "No I stopped and you didn't look"

He asked as we both are local can we exchange numbers and sort out later as he was in a "Rush" to get the kids to school. Also added his wife works in a garage and can get the rear tailgate light sorted out which was smashed but unfortunately there is a dent in the tailgate and the bumper slightly misaligned.

Thanks for the advice.
 
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Well be sure to pass this footage on to your insurance, I think they'll take the same opinion as the other members and myself here, that it was the other drivers fault :thumbs:
 
Fla5h said:
.............................................. as he was in a "Rush" to get the kids to school.................
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what are the chances he'll be putting that on the claim form. :rolleyes:
 
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We had a similar thing happen a couple of years ago when the missus was reversing/parallel parking into a marked parking space between parked cars.
A car pulled out of a side street opposite & `nudged` into the offside rear corner. He just wasn't looking. Not a mark on our car.

HE put a claim in for a few hundred quid though!

Luckily the missus had a witness who offered her name & addy.

Thing was, because HE put a claim in, MY insurance was going to just accept a `knock for knock` (50/50) claim.
It was a right PITA getting them to accept there was no fault on our part + no damage to my vehicle & that they were to tell his insurers to p*** off. which they eventually did.
Thing was though, even though I have protected no-claims & after receiving a letter from my insurers stating that no claim was paid, when renewal time came the year after......they tried to put a small premium on the renewal because of the initial claim! The cheeky sods also said it was an incident so would have to be declared if I was looking around for another insurer!

tbh, most insurers just want an easy life & to maximise premiums, BUT, with you having the video evidence, I would just go through your insurer & let them sort it.
If you let the other driver sort it out & you later have any problems, you'll have very little come back.
 
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I agree with everyone else, other drivers fault.
OldCarlos said:
Thing was though, even though I have protected no-claims & after receiving a letter from my insurers stating that no claim was paid, when renewal time came the year after......they tried to put a small premium on the renewal because of the initial claim! The cheeky sods also said it was an incident so would have to be declared if I was looking around for another insurer!
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All insurers will load your next premium if you were involved in an accident even if it's not your fault. Apparently statistically you're likely to be involved in another accident. When looking for quotes, some insurance companies will ask if you have been involved in any fault or non fault accidents in the last 3 or 5yrs, whilst others just ask if you have made claims in the previous 3 or 5yrs.
 
I'm on my phone so not gonna blab on. But I think the honda was in the wrong completely. Cctv can be a handy thing. Especially in your case because if you didn't have cctv it would be your word against theirs. At least you have a small bit of proof what happened.
 
The other guy offered to repair the the damaged as his partner works in a garage, after taking photos etc etc a couple of days later he said best go through insurance (my preference). The damage is quite a bit really as just taken it to a garage and they said straight away replacement tailgate, damage to offside quarter panel plus the lights on tailgate and quarter panel need replacing.

We are both insured with the same company...anyway get a call from the insurance and straight away they said would I accept a 50 / 50 split. I said no as I was not at fault and the other guy originally offered to repair the car. The woman also said that the other guy said it was 50 / 50 as we reversed into each other. He also told them that he was not looking at the time and even she said well if he wasn't looking how would he know if I was reversing or not at the time. She also noted that I mentioned I have CCTV so they are going to take a look now.
 
nilagin said:
I agree with everyone else, other drivers fault.
All insurers will load your next premium if you were involved in an accident even if it's not your fault. Apparently statistically you're likely to be involved in another accident. When looking for quotes, some insurance companies will ask if you have been involved in any fault or non fault accidents in the last 3 or 5yrs, whilst others just ask if you have made claims in the previous 3 or 5yrs.
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My insurance went down the following two years after a non fault accident.
 
Fla5h said:
The other guy offered to repair the the damaged as his partner works in a garage, after taking photos etc etc a couple of days later he said best go through insurance (my preference). The damage is quite a bit really as just taken it to a garage and they said straight away replacement tailgate, damage to offside quarter panel plus the lights on tailgate and quarter panel need replacing.

We are both insured with the same company...anyway get a call from the insurance and straight away they said would I accept a 50 / 50 split. I said no as I was not at fault and the other guy originally offered to repair the car. The woman also said that the other guy said it was 50 / 50 as we reversed into each other. He also told them that he was not looking at the time and even she said well if he wasn't looking how would he know if I was reversing or not at the time. She also noted that I mentioned I have CCTV so they are going to take a look now.
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Hopefully it pans being better for yourself. If they still stick by saying it's 50/50 then they have something wrong with them. Keep us posted, interested to see how this turns out.
 
Quite funny that you both have the same insurer, but even so, tell them to s0d off about accepting a 50/50 knock for knock claim.
If they get a bit ar5ey, (which is unlikely tbh with the CCTV) tell them you're going to contact the http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-insurance.html

When I did this & asked my insurer for a detailed response in writing & explaining their reasoning for wanting me to accept a portion of the blame, they eventually sent me a letter confirming that ultimately no claim had been made against my policy.
 
OldCarlos said:
Quite funny that you both have the same insurer, but even so, tell them to s0d off about accepting a 50/50 knock for knock claim.
If they get a bit ar5ey, (which is unlikely tbh with the CCTV) tell them you're going to contact the http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-insurance.html

When I did this & asked my insurer for a detailed response in writing & explaining their reasoning for wanting me to accept a portion of the blame, they eventually sent me a letter confirming that ultimately no claim had been made against my policy.
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Might be wrong but think the FOS no longer deals with consumers, it's now the FCA that would need to be complained too

http://www.fca.org.uk
 
TCR4x4 said:
My insurance went down the following two years after a non fault accident.
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It may well have gone down, but it will still have cost more than if you hadn't been involved in an accident.
 
OldCarlos said:
Quite funny that you both have the same insurer, but even so, tell them to s0d off about accepting a 50/50 knock for knock claim.
If they get a bit ar5ey, (which is unlikely tbh with the CCTV) tell them you're going to contact the http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-insurance.html

When I did this & asked my insurer for a detailed response in writing & explaining their reasoning for wanting me to accept a portion of the blame, they eventually sent me a letter confirming that ultimately no claim had been made against my policy.
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MWHCVT said:
Might be wrong but think the FOS no longer deals with consumers, it's now the FCA that would need to be complained too

http://www.fca.org.uk
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Thanks for the good advice
 
So as you both have the same insurer... They have to pay for everything to both cars regardless of blame. (Assuming you are both fully comp, or at the least the at-fault party is).

But by "offering" you both knock for knock, the can load BOTH premiums next year... Sneaky. :sneaky:
 
overbez said:
So as you both have the same insurer... They have to pay for everything to both cars regardless of blame. (Assuming you are both fully comp, or at the least the at-fault party is).

But by "offering" you both knock for knock, the can load BOTH premiums next year... Sneaky. :sneaky:
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Correct
 
Spoke to my insurance 'handler' yesterday and they have received the CCTV footage but they need to pass it onto the other parties handler to view before they make a decision. I ask from there perspective how do they view this and they said its a difficult one to decide even though I stopped there was not a lot of time in it. My point here is if they other person was looking and not going so quick he may also have stopped in time.

I've also passed on an audio conversation when they guy was offering to repair my vehicle though he later backed out of this option
 
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well as far as i can see you stopped ,the other one didnt ,if he had stopped at the same time as you there wouldn't have been a crunch , ( although there might not have been a lot of space between you both ) if they came back to me and said they were putting it down as a 50/50 i'd dig my heels in as much as i could ( thats just me though )
 
It should be so easy shouldn't it?
But I think that Graham nailed with this quote ;)

overbez said:
S
But by "offering" you both knock for knock, the can load BOTH premiums next year... Sneaky. :sneaky:
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I hope it gets sorted soon and favourably too.
 
Cobra said:
It should be so easy shouldn't it?
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You would have thought so, hopefully once they listen to the audio they'll changed their view, in the meantime think I need to push on with the advice from Mathew and
Carl
 
Though I've got no official response from the insurance company I thought in the meantime I'll email the FCA and share with the forum. I've only removed the insurance company name but here is their reply which was quite quick considering I only emailed them yesterday.

If you don't think that 'REMOVED' are treating you fairly you can contact them to complain about it. Start off by making a formal complaint to the firm directly, and make sure you specify that its a complaint that your making. This gives the firm the chance to resolve it for you themselves - and we give them eight weeks to do this. If this isn't done, for any reason, you can then contact the Financial Ombudsman Service, who will make sure you achieve a fair outcome.

If you resort to the ombudsman service, but still disagree with their decision, you can then take legal action against the firm. This entire process is explained on our website here.

You might also want to contact your local Citizens Advice Bureau about this situation. They may be able to give you further help and advice surrounding what your rights are.

We don't resolve individual complaints ourselves, but we make sure the firms we regulate agree to try and do this themselves and then co-operate with the ombudsman service. If you would like further information about our role and objectives as a regulator of UK financial firms, please click here.
 
Yep the organisation name may have changed but the process is the same still :thumbs: I'm confident that this will not have to be escalated to the ombudsman though as it's a fairly simple to resolve issue so no reason it should need to and your insurance provider would be moronic to let a complaint get to that level as it will cost them a couple of grand, back when I worked in complaints we costed a fully escalated complain at something like £1800 :eek:
 
Fla5h said:
Update - A good one

CCTV has been reviewed by both handlers and the 3rd party is liable.

Thanks for all members who have contributed to the post.

Now back to some photography
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Great news for you, I'm pleased :) it's great news when the insurance company take your side and rightfully so
 
Good news, Tony. :cool:

Just shows how difficult it can be dealing with insurers & trying to prove you're not at fault.
Luckily you had video evidence, which should have been decided on straight away imho, but at least you got a result. (they'll still `load` your renewal though, no doubt :( )
 
Marvellous.
Good to see some good news.
 
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