I reckon you'll be offered about 2.5k.

They always take the mick with the first offer in the hope you'll accept it.

Stand firm and be prepared to make a LOT of phone calls.

I reckon you'll be offered about 2.5k.

They always take the mick with the first offer in the hope you'll accept it.

Stand firm and be prepared to make a LOT of phone calls.

 

They certainly do take the mick. I was offered £4700 for my old Fabia vRS (06 reg, 50K miles), said no, found a load of higher priced ones on Autotrader, gave them to my insurance company, who added £700 to the offer. Pays to stand firm.

Valuation wise, some do, some don't. It's just the luck of the draw.

 

For example my sister's car got written off while parked up (??!) before Christmas and they offered above what I thought they'd start at. It was a reasonable figure, so she accepted and moved on. She was with Kwik Fit insurance, not sure who they're underwritten by?

Never accept the first offer mate.

I wrote off a cheap bike once. They offered me£400 first offer. After a day of haggling with them though, i eventually got £1150 for it.

Iv come across people that think they have to accept what they offer. You dont. Theyre effectively buying it off you, so you dont have to accept a price your not happy with.

Theyll most likely be testing the water and seeing what they can get away with on the first offer.

Exactly. My mk1 octy L&K got written off and they valued it as a basic octavia. In the end my dealer helped with some information and we got a couple of grand more out of them.

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I had an accident on the 10th of October 2010, it's still on going now... Yawn.

so it has been confirmed that the thrid party is definitely fighting liability so oh great Briskoda masses help me word a suitable "what happened" statement

 

So far

 

I was commuting to work though the village in a line of traffic travelling at approx 30mph.

The car in front started to indicate left as if to exit the carriageway.

The side road to the left had a small sliporoad into which he moved with slight reduction in speed.

When approx half in the slip road and half on the normal carriageway there was a marked reduction in speed.

Assuming he was slowing to make the turn off the carriageway, and given he was now 2/3 in the slip road and only 1/3 in my lane, I manoeuvred around the vehicle making use of a chevroned area in the centre of the road.

As I passed the turning off vehicle the other vehicle in the accident pulled out of the left side road into the side of my car.

 

How's it sound?

I would not say you assumed anything.

 

The car infront pulled off the main carriageway onto the slip road and you went on. She pulled out and hit the side of your car.

Too much detail. 

 

Leave out the bit about speed, using chevroned area or assuming anything.

 

The other car pulled out from a side road unexpectedly (and without indication?) and hit your vehicle.

 

 

 

The other car pulled out from a side road unexpectedly (and without indication?) and hit your vehicle.

 

I believe this is the only point necessary from a liability point of view.  She pulled out when you had right of way.  End.

I thought include as much detail as possible now as they'll only come back to clear it up later anyway?

The car in front started to indicate left to exit the carriageway.

It entered the side road’s sliproad

I manoeuvred past the vehicle

As I passed the turning off vehicle the other vehicle pulled out of the left side road into the side of my car.

I think all you need is:

 

The car in front indicated left and moved across into the junctions slip road.

I continued along the carriageway but a car from the junction on my left proceeded to pull out into the side of my car.

I gave no indication for the offending vehicle to pull out and had continuous right of way.

I think all you need is:

 

The car in front indicated left and moved across into the junctions slip road.

I continued along the carriageway but then a car from the junction on my left proceeded to pull out into the side of my car.

I gave no indication for the offending vehicle to pull out and had continuous right of way.

Da hoopty up in front indicated left n' moved across tha **** into tha junctions slip road. Y'all KNOW dat ****, mutha****a!  I continued along tha carriageway but then a cold-ass lil hoopty from tha junction on mah left proceeded ta pull up tha **** into tha side of mah car. Shiiit, dis aint no joke.  I gave no indication fo' tha offendin hoopty ta pull up n' had continuous right of way.

Da hoopty up in front indicated left n' moved across tha **** into tha junctions slip road. Y'all KNOW dat ****, mutha****a!  I continued along tha carriageway but then a cold-ass lil hoopty from tha junction on mah left proceeded ta pull up tha **** into tha side of mah car. Shiiit, dis aint no joke.  I gave no indication fo' tha offendin hoopty ta pull up n' had continuous right of way.

 

That's exactly how some of my customers talk!! :(

My insurance have said that they are quibbling that i was making an overtake that i shouldn't have been making so is leaving out details of "overtaking" the vehicle just going to extend things?

so it has been confirmed that the thrid party is definitely fighting liability so oh great Briskoda masses help me word a suitable "what happened" statement

 

What a surprise.

 

I think all you need is:

 

The car in front indicated left and moved across into the junctions slip road.

I continued along the carriageway but a car from the junction on my left proceeded to pull out into the side of my car.

I gave no indication for the offending vehicle to pull out and had continuous right of way.

 

This.

 

You were driving along and she pulled out, across a give way line, into the side of your car.

 

The more "detail" you include, the more grey areas you will include that can be argued about.

Keep it simple.

Agree with Bossfox, and others. I would word it as per vRS19TD's suggestion.

 

Give that as your account, and if they're still unsure they can come back to you to clarify anything.

 

Best of luck.

My insurance have said that they are quibbling that i was making an overtake that i shouldn't have been making so is leaving out details of "overtaking" the vehicle just going to extend things?

You overtook a vehicle that was on a junctions sliproad. Nothing needs to be included about size of sliproad and nobody would expect someone on a continuous road to slow down because the vehicle on a slip road has slowed down, otherwise a lot of roads would be full of people braking.

My insurance have said that they are quibbling that i was making an overtake that i shouldn't have been making so is leaving out details of "overtaking" the vehicle just going to extend things?

 

IMO: You had every right to maintain your progress if you could do so safely. There was no traffic coming at you and/or you had sufficient space to move around the car in front without disturbing other traffiic. It was her responsibility to ensure that the way was clear before proceeding. She didn't, hence it's her fault.

 

J.

Thanks Gents

 

My insurance can't see how she can be quibbling it but they have to have my report so they can argue accordingly.

 

John i've used your wording - if they decide it's enough i'll owe you a pint or 2 (or a badge or 2 choice is yours )

When I had my accident they sent out somebody to take my statement.

Its good you have made point you were going to work, but you can milk it a bit saying you go that way to work every day and how long you have been doing that route.

You cant really mention speed as you have no evidence of how fast anyone was going, so will automatically be presumed all parties were doing speed limit.

There is no argument on her part, especially looking again at the damage. The majority of the damage is concentrated on the front wing, which is obviously where the initial impact was made. The damage has then continued down the side of your car from your progression on the road. If you had hit the front/side of her or there was more damage to the front of yours, then she may have a case for 50/50 but there is nothing to show that you did anything wrong.

To me it sounds like even if you had stayed behind the other car till it had exited fully, you could have gone into her then because she hasnt given herself enough time to merge properly.

Did you have to draw a picture of the road layout on your claim form??