Bad trip home from work last night, quieing to go round an island, I see the car in front pull off, look to see its clear for me to follow and pull out to find she has stopped part way for no reason on a clear roundabout.

Only a very minor bump, but we pull up to exchange details, her passanger gets out holding her neck (can guess what she is claiming), I offer to exchange details and she tell me she wahts to see my insurance detials and driving licence, I ask why and tell her I dont have them on me so she claime i have to carry them by law (I laughed).

She then decided to call the police but while on the phone to them a passing police car pulls up, asks what happened and just said as no body was indjured and there was no visible damage it wasnt a police matter and off they went.

We exchanged details of off we went (Didnt stay behind her for very long). Now im just waiting to see what happens. Fortunatly for me the vRS didnt have a mark on it, and there were no marks on the volvo she was driving but nop doubt they will find some.

She was a driver who claimed she had never been involved in an accident (no doubt she had caused hundreds).

So I got home well p!ssed off, I'v only had the car a couple of months, and after driving carefully and keeping a clean history for 7 years this happens, no doubt when she claims the blame will be passed to me, and i'll have to decleare it for the next five years.

Hope you reported the incident to your insurance company as soon as you got home Also worth taking pics of the two cars involved, or at the very least just yours.

Chris

Well , sorry to say this but the blame is yours. You didn't check to see if the road was clear before pulling off.

As for the driving licence and insurance , you aren't obliged to carry them by law , but you *are* required to provide the your details and insurance to anyone who has a reason to need them at the scene of an injury RTA. As the passenger was apparently injured (or at least claiming to be) then you *do* have to supply the insurance info.

If they decide to claim then your insurers *will* pay out and you lose NCB and may have to pay the excess

I had a similar shunt when my vRS was 4 days old! :eek:

Was quite embarassed really. (I've passed my IAM test since )

I had a scuff the size of a 20p piece on my front bumper, and 2 holes from the number plate screws of the van that went into me. Ah well, 2 new bumpers...

These things happen mate. Don't be suprised if you have to pay your excess though...

and she tell me she wahts to see my insurance detials and driving licence, I ask why and tell her I dont have them on me so she claime i have to carry them by law (I laughed).

What a crock of sh 1t, why does she think the police give you a producer

I know how you feel man. Women drivers...(ladies in the forum, you are ALL good drivers, none of this is directed at you)...

Fortunatly I'v got full protected no claims as I'v managed to avoid things like this in the past, as for paying and excess as I'm not claiming for any damage to my car I should not have to pay the excess, if she claims my insurance will pay for the repairs to her car without costing me anything (I belive)

I asked the police at the scene if i needed to report the incident to my insurance company, and they told me if I wasnt claiming for any damage to my car there was no need to report it to my insurance company.

I know unfortunatly there is no denying that I bumped into the back of her so if she claims the blame will fall on me.

I asked the police at the scene if i needed to report the incident to my insurance company, and they told me if I wasnt claiming for any damage to my car there was no need to report it to my insurance company.

There is no need, but it will mean they are prepared for when she does make a claim and starts pursuing the personal injury line, saying that you hit her at xx mph and caused them both massive whiplash, etc, etc....

Up to you, obviously, but I'd rather do some damage limitation

Chris

What a crock of sh 1t, why does she think the police give you a producer

The HO/RT1 form has no legal status.

It's there as an administrative tool for the police and as a reminder for the driver.

The important bit is what the police officer says when he requires you to produce your documents at a police station of your choice within seven days from midnight tonight.

They are not required to actually give you the bit of paper.

The offence of failing to produce actually takes place when you are asked and don't have the docs with you ,but it is in the statute that no action will be taken as long as you produce within 7 days.

Make some notes of exactly what happened, when and where. Go back to the scene and photograph or sketch the area.

I always used to keep a disposable camera in the glove box but now most people have camera phones, a point for future to ward off these chancers.

I would inform your insurance just to be on the safe side and I think you were lucky the rozzers weren't interested as they can do you for driving without care.

The HO/RT1 form has no legal status.

It's there as an administrative tool for the police and as a reminder for the driver.

The important bit is what the police officer says when he requires you to produce your documents at a police station of your choice within seven days from midnight tonight.

They are not required to actually give you the bit of paper.

The offence of failing to produce actually takes place when you are asked and don't have the docs with you ' date='but it is in the statute that no action will be taken as long as you produce within 7 days.[/quote']

Dr Z - That's exactly what I mean, you don't have to carry them around with you all the time thus the women is talking out of her orifice

Pity you couldnt get pictures of her car at the point of impact, if it shows no damage then that would have been evidence to use against them.

People like that make me sick TBH. Obviously no damage, and no injury caused, but yet they still want to milk it. Its people like that which cause insurance for people like us to go through the roof.

I had someone go into the back of me once, and they caused only a very tiny mark on my bumper, so I just said it didnt matter and went on my way. However, you wouldnt believe how many people were calling me a fool, and said I should have tried to claim compo and all that... but theres just something in me that thinks its just wrong to do this.....

Just my opinions but..

If you only made light contact and their was no damage to either vehicle, I would imagine the insurance company will be reluctant to pay her out for whiplash compo without a fight. She will have to probably have prove her injuries with a history of hospital/doctors visits etc. The fact that your airbag didn't go off (i assume it didn't)will help your claims that you were not travelling very fast - again making it harder for her to prove injury and i'd like to hear her explaination as to why she stopped half way out...if it was clear she didn't need to stop and if it wasn't clear why did she pull out ?

IMHO Insurance companies are very reluctant to payout injury claims without proof of injury.

My missus, mother-in-law and 12mth old baby got slammed in the back at a roundabout. She was stationery when a truck came down the dual carriageway and rammed into the back of the car as the truck driver was too busy looking for a gap on the roundabout to see there were cars waiting in front of him. Luckily nothing hit the side of the car as it was shoved onto the roundabout... the police were there in seconds along with a paramedic who saw the accident. The truck driver admited liability and the wife/mil/baby were all taken in ambulance to hostpital for x-ray etc.

Both the missus and MIL had to have 2 visits to a spinal injuries specialist for examination that their injuries were consistant to the angle the truck hit, how they were sat etc. (the visits to the specialist were in Ireland and we had to pay for the filghts etc ourselves each time we went for the checkup.) and weekly physio visits to the hospital. The insurance company made it as hard as possible to persue the injury claim even though negligence etc was not in doubt.

The insurance company would not even entertain compensation for the baby as she could not 'say' she suffered any pain (despite bruises from the straps on the child seat).

It might be worth getting your car checked professionally asap - eg by a dealer or a body repair shop - for any damage to the front end. If there isn't any, then it will make it more difficult for the other driver to claim that the collision caused whiplash injury.

Deffo take pictures, even with the other driver if possible in case they later claim someone else was driving. Also number plates, the whole lot. Then go back on a Sunday morning and take photos of the road empty. I had someone bash me in the side and dented all down the side of my car but just a small dent above her wheel arch. I said I'll just push my dents out and she can pay the rest, she agreed to not go through insurance company. Next thing I knew I've had threatening letters through the post from the other insurers asking for