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[pscocoa]

My wife stopped at lights and young girl in fiesta hit rear of insignia slap bang in middle. Fiesta crumpled and is a write off. Insignia has bumper and tailgate damage and one quarter panel looks bowed but given the impact it stood up well and was driveable once I kicked off the plastic lower skirt trailing on ground.

An "independent" witness appeared on scene and said to upset young girl "do not worry it is not your fault - it is her (my wife's) fault - you thought she was going through and so did I". Witness called police and gave a statement to them which obviously we do not know content. Fiesta had a young driver black box on board.

So all statements taken, nobody injured and details exchanged.

This morning the young girl's insurers have accepted full responsibility and will pay for everything.

We will now have to wait and see if police take it further.

Witness was very pally seemingly with young driver and her family when they turned up. Thankfully we did not get involved in accusations and counter accusations

[Webby the Bear]

The fact is mate... anyone goes in to the back of you it's automatically their fault!

Well done for keeping calm and glad everyone's ok

[Field Marshal Dr. Opti]

The important thing is that everyone is unhurt. Your insurance company seems far more 'on the ball' than mine.

[Field Marshal Dr. Opti]

The fact is mate... anyone goes in to the back of you it's automatically their fault!

Well done for keeping calm and glad everyone's ok

Is that strictly true, Mr Bear?

Many 'crash for cash' scams work this way.

[Webby the Bear]

Hmmm, could be wrong but I'm sure from an insurance point of view if you go in to the back of someone it's deemed your fault. That would explain why the ins. company put up no fight.

Also, is right really cos the person behind should be paying attention.

[Field Marshal Dr. Opti]

Hmmm, could be wrong but I'm sure from an insurance point of view if you go in to the back of someone it's deemed your fault. That would explain why the ins. company put up no fight.

Also, is right really cos the person behind should be paying attention.

True.....but I'm not sure that this 'rule' is written in tablets of stone.

[Webby the Bear]

Hmmm, could be wrong but I'm sure from an insurance point of view if you go in to the back of someone it's deemed your fault. That would explain why the ins. company put up no fight.

Also, is right really cos the person behind should be paying attention.

True.....but I'm not sure that this 'rule' is written in tablets of stone.

Fair enough mate. I'm sure it wont be long til some others come along and deny or confirm 

[Field Marshal Dr. Opti]

Hmmm, could be wrong but I'm sure from an insurance point of view if you go in to the back of someone it's deemed your fault. That would explain why the ins. company put up no fight.

Also, is right really cos the person behind should be paying attention.

True.....but I'm not sure that this 'rule' is written in tablets of stone.

Fair enough mate. I'm sure it wont be long til some others come along and deny or confirm 

Insurance companies make their own rules most of the time. 

Fooking crooks.

[Webby the Bear]

Sadly thats very true

[YZ250]

The fact is mate... anyone goes in to the back of you it's automatically their fault!

Well done for keeping calm and glad everyone's ok

Is that strictly true, Mr Bear?

Many 'crash for cash' scams work this way.

I thought that still involved the scammer getting hit up the rear.    The scammer pulls away from a roundabout, the car behind starts to go as well, scammer brakes for no reason and gets smacked up the arris, hence the claim going their way.    Another one is the scammer travelling along a road, waits until very last minute to brake for a turn, gets hit up the arris as planned and a whiplash claim goes in.

Anyway, I've digressed, glad everyone is ok and it's being sorted. 

[Field Marshal Dr. Opti]

The fact is mate... anyone goes in to the back of you it's automatically their fault!

Well done for keeping calm and glad everyone's ok

Is that strictly true, Mr Bear?

Many 'crash for cash' scams work this way.

I thought that still involved the scammer getting hit up the rear.    The scammer pulls away from a roundabout, the car behind starts to go as well, scammer brakes for no reason and gets smacked up the arris, hence the claim going their way.    Another one is the scammer travelling along a road, waits until very last minute to brake for a turn, gets hit up the arris as planned and a whiplash claim goes in.

Anyway, I've digressed, glad everyone is ok and it's being sorted. 

You may be right.

I'm not well versed in taking it up the arse.

[Webby the Bear]

 

[YZ250]

....................................
I'm not well versed in taking it up the arse.

Me neither. 

I heard on the news today that a family had taken it up the arse fifteen times in the last two years. They were deemed the most unlucky family in South Wales, but I guess that depends on their orientation. 

[chrisgixer]

All depends if the car at the front is "established" in their lane.

If they are, then they can pretty much do as they please. If the car behind hits them its their fault.

It's amazing what some people will say and do if they are clearly at fault. From, there's no damage, to, you changed lanes.

Clearly "you stopped when you should of gone" isn't going to cut it

[chrisgixer]

Glad everyone is ok though.

Insignia may be a write off too though

[05omegav6]

My wife stopped at lights and young girl in fiesta hit rear of insignia slap bang in middle. Fiesta crumpled and is a write off. Insignia has bumper and tailgate damage and one quarter panel looks bowed but given the impact it stood up well and was driveable once I kicked off the plastic lower skirt trailing on ground.

An "independent" witness appeared on scene and said to upset young girl "do not worry it is not your fault - it is her (my wife's) fault - you thought she was going through and so did I". Witness called police and gave a statement to them which obviously we do not know content. Fiesta had a young driver black box on board.

So all statements taken, nobody injured and details exchanged.

This morning the young girl's insurers have accepted full responsibility and will pay for everything.

We will now have to wait and see if police take it further.

Witness was very pally seemingly with young driver and her family when they turned up. Thankfully we did not get involved in accusations and counter accusations

Firstly, glad everyone ok

Secondly, the lower half of the tailgate is a plastic cover panel, damage might not be fully obvious until this is removed, so be sure it is assessed properly/independently if TP are repairing.

Likewise same applies to rear bumper... if the bumper is cracked, the crash bar will be bent, even if the bumper still sits right. This may also have affected the rear panel, again easy enough to ignore by simply replacing the bumper.

To be assessed properly, the rear of the car needs stripping. I wouldn't trust the third party repairers to do this. You have the right to have the car repaired at any garage... personally I would take it to Vauxhall if your dealer has a repair facility.

As to the witness statement, the Fiestas insurers have accepted full liability, so they consider it to be their drivers fault, regardless of any statements made... after all, drivers have a duty to stop in the space available and proceed only when the road ahead is clear, and then, with caution. Sounds like the other driver either misinterpreted the situation or hadn't seen your wife stopped. Net result is the same... not your wifes fault