Tin top got smashed from behind earlier today

I had to do an emergency stop to avoid an idiot in an oncoming car who had decided to overtake a cyclist on his side of the road by crossing to mine.

Turns out Audi A7 brakes are very good...but VW Amarok aren't Wife and kids in my car shaken but unhurt thankfully.

Smashed rear lights (LED), rear bumper, nearside rear panel, fastback, electric spoiler, exhaust and whatever else is damaged underneath.
Looks like it might be an expense claim for the guy who hit me.

Picture doesn't really show the extent of the crease in the nearside rear panel.


Audi Ouch

[Edited on 26-4-2014 by Worzey]

Doh !

At least no-one hurt, annoying though.

Glad the family and you are ok
That's what insurance is for
Jacko

Protected no claims :-)?

Yes, fully protected but not required as he hit me.

Although unfortunate as it was the guy coming the other way who caused the accident (and drove off!) according to the highway code the guy behind should have left enough room to stop safely. Ergo his fault.

Glad nobody is hurt, bad news is your insurance premium next year will now go up. I've been rear ended 4 times now through no fault of my own and the insurance companies have statistics that say if you have been rear ended once you are somehow far more likely to get rear ended again so they increase your insurance premium accordingly.

When renewing your insurance there is the part about 'Any accidents in the last 5 years your fault or otherwise' and as soon as you put in your non fault accident your insurance goes up.

All seems totally unfair to me, I always sit at red traffic lights with my foot on the brake until I have a car come to a full stop behind me so if some idiot up runs the back of me why should I be penalised. I went from a premium of £80 a year to £400 due to a couple of non fault rear enders in the space of a couple of years.

I was hit from behind while stopped at a roundabout the December before last, my premium dropped slightly six months later and fell considerably another 12 months on - I don't know what this year's renewal will be yet. I already had full no claims, so it's not another year of that that's reduced it.

quote:

---

Originally posted by Scuzzle
Glad nobody is hurt, bad news is your insurance premium next year will now go up. I've been rear ended 4 times now through no fault of my own and the insurance companies have statistics that say if you have been rear ended once you are somehow far more likely to get rear ended again so they increase your insurance premium accordingly.

---

Insurance companies generally play fair with this situation. A rear end shunt is normally seen as not your fault, and protected no-claims is honoured.
The catch with protected no-claims is you are pretty well locked into your insurance company for couple of years.

They are however very suspicious of anybody who has made multiple rear end claims as engineering deliberate rear end shunts is a well known racket.

A rear end shunt always places blame with the car failing to stop in time so you never lose your no claims, protected or not. I have never once claimed off my insurance and still have my full no claims, my current insurer recognises 9 years but they still put my premium up after each incident.

I saw someone almost do exactly the same thing, someone passing a cyclist where there wasnt space, fortunatly all parties stopped. Could be worse, someone smashed up the back of my car a few years ago while I wasnt there and ran off.

If you have not reported it then deal directly with their insurer, they are happy to avoid paying for your insurers admin cost and tend to treat you better.

I went with a cheap insurrer and mine tried to keep the car as salvage, so spoke directly with the other insurer. Got offered the same amount and kept the car (write off).

Too late. I've already reported it to my insurers as I need a replacement car for work. I get that car tomorrow, charged back to his insurers at £430 per day!

Not heard from his insurer yet.

Me and SWMBO were watching tv when we hears a big bang outside. A woman had driven her car into our stationary vehicle.
The insurance gangsters put up our premium as they said statistically now that we have had a bump we are much more likely to have another within 6 or 12 months (cant remember which).
How wrong is that? We wasn`t even in the car and we didnt have another bump 6 or 12 months on.
However we were hit again 3 years later by a boy racer who had just passed his test, again we were not even in the car. This time we took a chance and allowed the youngster to sort it out without any claims. it needed a new door, pillar straightening, front wheel and hub plus a respray.

Andi

So the update...

Mercedes E350 Coupe courtesy car arrived and while nice and lots more economical I want my car back. At £430 per day to hire, the insurance company for the guy who hit me are going to foot a huge bill.

Getting feed up with Insurance and legal company asking if I (or my family) want to make a claim for Injury...No we're unhurt...pain in shoulder passed the morning after the accident...leave me alone!

My insurance company screwed up on my car. Original garage they appointed refused the repair on mine as its "too far away", they didn't collect it but no one bothered to tell me. I waited for the car to be collected all day

Audi approved bodyshops are thin on the ground so insurance company tried to fob me off with another bodyshop close by but I've refused that option so I've had to arrange my own repairs

A7's are aluminium body panels so require specialist repair. Failure to use an Audi approved bodyshop voids the 3 year paint and 12 year corrosion guarantee so I've insisted Audi repair it for me.

Initial reports indicate it needs a new bumber, rear light cluster, rear 3/4 panel (large!) and possibly a tailgate. Other work will be agreed once the bodywork is removed as damage underneath is unknown. Costs are likely to exceed £3k very quickly...

10 days+ before I get my car back

quote:

---

Originally posted by Worzey

Getting feed up with Insurance and legal company asking if I (or my family) want to make a claim for Injury...No we're unhurt...pain in shoulder passed the morning after the accident...leave me alone!

---

Ouch glad everyone's ok tho mate

I get the car back on the 27th May Estimated repair cost is £3k

Courtesy car costs for the Mercedes E350 coupe I've been given will be close to £10K

Looking forward to getting my car back.

quote:

---

Originally posted by Worzey
Too late. I've already reported it to my insurers as I need a replacement car for work. I get that car tomorrow, charged back to his insurers at £430 per day!

Not heard from his insurer yet.

---

Where did they hire the car from! That's a lot of money surely that's a weekly rate?

Nope, that's the daily rate. It was supplied by my insurer.

However, due to the length of the hire it's dropped to a more reasonable £380 per day

3rd party has admitted liability so no loss of my NCD or policy excess.

When my ex got our car written of, the other bloke admitted liability and our insurer sent us a hire car and claimed it back off the other guys insurance company. The car came from Enterprize and cost £230/day. Which was odd as the same car on the Enterprize website and office flyers was £138/day. The Enterprize sales rep told me it was because it was an insurance job.........

Literally an insurance job!

When my car got smashed, I just hired myself a car for a week and sent the bill in - about 180 for the week. They must've been delighted that my whole claim was just for my excess, the hire car and one child seat.

[Edited on 11/5/14 by JoelP]