Insurance
I binged my car with another car yesterday and having never binged it before/combined with an utterly bored and unfriendly insurance phone assistant, i am now scared i didn't put across my statement fully. Do ALL insurers send you a form or can i ring back and clarify? i was all flustered and she totally asked leading questions.
( sleepybinky, Wed 22 Jun 2011, 9:46, archived)

it wouldn't actually be changing my story just making sure they got all the points, is that ok to do?

( sleepybinky, Wed 22 Jun 2011, 9:47, archived)

My anus is rejecting me for some reason
Why do you hate me bumhole, what I have I ever done to you?
( magnum, Wed 22 Jun 2011, 9:50, archived)

stop trying to put yourself in your bumhole.

( sleepybinky, Wed 22 Jun 2011, 9:51, archived)

i think he is asking it out
he should try playing hard to get
( manolith hooray for me, Wed 22 Jun 2011, 9:56, archived)

don't know lol

(bogus official shove it up your cunt, Wed 22 Jun 2011, 9:51, archived)

dude you old people are supposed to know all this shit.

( sleepybinky, Wed 22 Jun 2011, 9:52, archived)

I've never driven a car in my life
Or had any kind of insurance policy.
(bogus official shove it up your cunt, Wed 22 Jun 2011, 9:54, archived)

Just don't admit liability to anything
Always blame the other person even if it was your fault
( Boris Johnson's Press Secretary, Wed 22 Jun 2011, 9:53, archived)

littlebitofpolitics

( vladimir, Wed 22 Jun 2011, 9:58, archived)

Go round her house and force her to admit liability at knife point.
I don't charge for advice.
( Windy Pig I'm naturally quite suspicious about the moon., Wed 22 Jun 2011, 10:05, archived)

admit liability undress
( Edd: The Unfunny Try-Hard Edgelord, Wed 22 Jun 2011, 10:06, archived)

at hammer point
much classier.
( RocketSurgeon is pretending he's still young, Wed 22 Jun 2011, 10:38, archived)

I advise not doing what the guy in China Zuowan posted something about did, i.e. stab the other party to death because you are concerned they will sue you, but it's OK it seems you didn't do this, well done
www.b3ta.com/talk/7222482
( vladimir, Wed 22 Jun 2011, 10:09, archived)

are you all right little Binky Boo?
Even small crashes are upsetting. Here, have a hug and a lick.
*hugs*
*licks*
( jenpots, Wed 22 Jun 2011, 10:10, archived)

thanks jenpottles. yeah, my first incident, sad times, car in garage, i was all shook up, uhhuhhuh.

( sleepybinky, Wed 22 Jun 2011, 10:11, archived)

*strokes hair*
It's ok. Most of us will have a bump at some point. Chalk it up to experience.
( jenpots, Wed 22 Jun 2011, 10:13, archived)

Of course respectable people only get their bump within the sanctity of wedlock.

( Dr Preference AjcuiVd289, Wed 22 Jun 2011, 10:17, archived)

oh.... I'm very unrespectable then.

( jenpots, Wed 22 Jun 2011, 10:21, archived)

Is a wedlock, like a headlock, except more permanent?

( Edd: The Unfunny Try-Hard Edgelord, Wed 22 Jun 2011, 10:22, archived)

It's some kind of frightful contraption involving steam and pistons.

( Dr Preference AjcuiVd289, Wed 22 Jun 2011, 10:24, archived)

eam and-up
( Edd: The Unfunny Try-Hard Edgelord, Wed 22 Jun 2011, 10:30, archived)

s +Broke
( Lord Gnome, Wed 22 Jun 2011, 12:03, archived)

Steely Dan

( magnum, Wed 22 Jun 2011, 12:09, archived)

sneezy rider

( manolith hooray for me, Wed 22 Jun 2011, 12:13, archived)

it's a headlock on a wednesday

( manolith hooray for me, Wed 22 Jun 2011, 10:52, archived)

yeah but i fear that the other woman was also at fault and she's not accepting any blame or giving me her insurance details and i think it's harsh on me
simply because i have no experience of bumps, clearly she does, am i going to come off extra bad for being naive?
( sleepybinky, Wed 22 Jun 2011, 10:26, archived)

Did you take her license plate number?

( Dr Preference AjcuiVd289, Wed 22 Jun 2011, 10:27, archived)

yeah and she had mine
and i just spoke to her and she says that since she's opened the rear door (which yesterday she said it was probably a bad idea to do) then her car isn't watertight so she's getting a hire car and wants it on my insurance and i just dont knowwwww
( sleepybinky, Wed 22 Jun 2011, 10:28, archived)

my car was never watertight, who said watertight is necessary anyway? :(
also i think she's being pushy because she had a shiny car and she was going to the public school for spports day :(
( sleepybinky, Wed 22 Jun 2011, 10:29, archived)

She sounds like a right bitch.
It seems that you killing her in a booze fuelled road rage incident was the correct thing to do.
( Dr Preference AjcuiVd289, Wed 22 Jun 2011, 10:40, archived)

If she won't give you her insurance details
tell your insurance company that and inform the police.

Don't discuss anything to do with the accident with her. It's your insurance companies' job. If you even vaguely imply that you might think it was your fault they'll take that as an admission of total fault.
( the mighty badger Aphrodite, on a bar stool, by your side, Wed 22 Jun 2011, 11:02, archived)

i gave her numberplate and the first line of her address to my insurance company
and they said that is enough but she demanded my policy number and i gave it to her.
( sleepybinky, Wed 22 Jun 2011, 11:08, archived)

that's fine, you have no worries there
but she has a legal responsibility to provide you or your insurance company with the details of her insurance. If she doesn't, she's technically breaking the law.

She can't claim off your insurance just on her say-so, don't worry.
( the mighty badger Aphrodite, on a bar stool, by your side, Wed 22 Jun 2011, 11:15, archived)

as well as the numberplate?
because my insurance company said afterwards that it was my choice to give her the policy details.
( sleepybinky, Wed 22 Jun 2011, 11:47, archived)

I think she has to provide you with her insurance companies name, at least
as Shambles says, the policy number is meaningless. In any case, do not speak to this woman again. Give as much detail to your insurance company as possible and leave it to them. And don't admit any liability.
( the mighty badger Aphrodite, on a bar stool, by your side, Wed 22 Jun 2011, 12:05, archived)

She is an idiot.
That number is worthless and meaningless to anybody outside the insurance companies.
Do not spek to her again. Give your insurer your version ot events. Don't admit liability. Let them decide who is liable for what.
( Dr. Shambolic je suis charlie, Wed 22 Jun 2011, 11:21, archived)

If the accident is your fault then she's entitled to claim for all reasonable expenses to put her in a position as if the accident hadn't happened
including repairs, hire car etc.

But she is obliged to give you her insurance details. Contact the police saying she's refused and see what happens.

Stop dealing with her directly.
( Ring Of Fire A petty, drooling belming butthurt retard., Wed 22 Jun 2011, 11:15, archived)

aw man, you just got that thing OUT of the dang garage!

( manolith hooray for me, Wed 22 Jun 2011, 10:54, archived)

gutted.
and my insurance renewal is up soon. im having NO luck with the car-related finances recently.
( sleepybinky, Wed 22 Jun 2011, 11:11, archived)

:(
glad you weren't injured, though
( manolith hooray for me, Wed 22 Jun 2011, 12:14, archived)

I read that as "Have a huge dick"

( G/PP 💩💩💩💩💩&#128, Wed 22 Jun 2011, 10:27, archived)

I read that as "Have a huge click"

( vladimir, Wed 22 Jun 2011, 11:24, archived)

Banaw waow bananwaoh banananana ner ner ner

( Blue Star was working part time at the 5 and Dime, Wed 22 Jun 2011, 10:23, archived)

too much coffee this morning?
or have your hands swollen to a size making it impossible to type?
( Windy Pig I'm naturally quite suspicious about the moon., Wed 22 Jun 2011, 10:24, archived)

Dr P is closer
I am in fact doing the opening riff to Eat The Rich by Aerosmith as I appear to have it as an earworm :s
( Blue Star was working part time at the 5 and Dime, Wed 22 Jun 2011, 10:33, archived)

I had "Dude Looks Like a Lady" playing in my brainz this morning,
Aerosmith must be paying a lot for this.
( Undulating Tentacles of Love getting fun down to acceptable levels, Wed 22 Jun 2011, 10:44, archived)

It's clearly only affecting the cool kids.
Alright UToL? How was Cuba?
( Blue Star was working part time at the 5 and Dime, Wed 22 Jun 2011, 10:53, archived)

Not bad, accidentally fondled a dolphin,
a 22 year old female one though so I think that makes it OK.
( Undulating Tentacles of Love getting fun down to acceptable levels, Wed 22 Jun 2011, 11:33, archived)

did you get her number?

( manolith hooray for me, Wed 22 Jun 2011, 11:35, archived)

dude, how many brains do you have?
and how come you get to pluralise them with a Z? do they wear shades and talk 'street'?
( manolith hooray for me, Wed 22 Jun 2011, 10:53, archived)

Shit, Blue Star is turning into an electric guitar.

( Dr Preference AjcuiVd289, Wed 22 Jun 2011, 10:28, archived)

Bah-weep-Graaaaagnah wheep ni ni bong

( The Great Architect is still waiting for his account to be deleted on, Wed 22 Jun 2011, 10:38, archived)

NEEEEEEERD

( manolith hooray for me, Wed 22 Jun 2011, 10:54, archived)

See
I'm reading that as the opening guitar riff to How Soon Is Now by The Smiths.
( Blue Star was working part time at the 5 and Dime, Wed 22 Jun 2011, 11:06, archived)

did you swallow a radio?

( manolith hooray for me, Wed 22 Jun 2011, 11:08, archived)

I'm glad someone got it :)

( The Great Architect is still waiting for his account to be deleted on, Wed 22 Jun 2011, 11:34, archived)

i talk tv

( manolith hooray for me, Wed 22 Jun 2011, 11:43, archived)

My advice is you probably don't want to go to court over it, even if it means assuming liability and paying the excess.
if you pull out of driveway, especially a driveway on a blind corner, it's basically the same as entering a new road at T-junction. you have to give way to existing traffic and wait for a safe time to enter. If the person was speeding, or you were already on the road and driving when she came around the corner, you could make a case that she was driving unsafely. your case would be helped if there were any signs warning of your driveway that she didn't heed. But unless you have these factors, and are able to prove it, I'd just cop it. Im assuming it's a driveway, but if you're talking about an entering road the law is the same
( cumquat may will not be commenting further on the allegations, Wed 22 Jun 2011, 10:55, archived)

i'm not going to argue with what the insurance companies decide, i'm just trying to give them all the information and provide photos.
she, on the other hand, seems to think it's all totally my fault and be arranging hire cars and everything, when it's my car that isn't driveable and hers was practically fine.
( sleepybinky, Wed 22 Jun 2011, 11:02, archived)

not strictly true
you must drive a road at a speed suitable for dealing with hazards. How fast Binky pulled out doesn't matter. If when Binky started to move she couldn't see the other car, then the other car is by definition going too fast for the road if it then hits Binky's car.

You're dead right about it being your responsibility to make sure that the road is clear, but all you can possibly do is look. If the bend is that bad that a driver pulling onto the road can't see, the resposibility lies with the driver already on the road to slow down.
( the mighty badger Aphrodite, on a bar stool, by your side, Wed 22 Jun 2011, 11:07, archived)

anyway, hill start round the corner for me, it was about 3-5mph maximum, just to get over the top.

( sleepybinky, Wed 22 Jun 2011, 11:09, archived)

Think of it this way
if she'd come round the corner and hit a person standing in the road it would be her fault. What's the big difference? So, some blame must lie with her as she is driving too fast for the visibility. You'll have to take some of the blame I'm afraid, because since the police weren't called no-one can actually be sure entirely who was to blame. Even then, these days there are never skid marks so speed is harder to assess.
( the mighty badger Aphrodite, on a bar stool, by your side, Wed 22 Jun 2011, 11:13, archived)

You're right, but as I said, it depends on how far out on the road she was when the other driver hit her
An existing hazard doesn't include someone suddenly pulling out in front of you. however binky did say 'scraped my panels', which suggests she was already pulled out and on the road when the other driver hit her. In this case, you are right, the other driver should be driving at speed where she can safely avoid (brake) even stationary hazards
( cumquat may will not be commenting further on the allegations, Wed 22 Jun 2011, 11:16, archived)

yeah, it's a difficult one
as how far out she was needs to be balanced against the visibility for the junction

Oh, a cunning idea. Binky, is there a sign on the road where the woman was driving warning of the junction you pulled out of? as in, you know, the usual triangle with the black road junction on it? if so, it's a very strong argument to say that she should have known there was a junction just around the corner and should have slowed down.
( the mighty badger Aphrodite, on a bar stool, by your side, Wed 22 Jun 2011, 11:20, archived)

nope, country lanes
but she lives faiiiirly local, so she should bloody know that you can't go along them faster than 20, or 30 on an exceptionally visible bit.
( sleepybinky, Wed 22 Jun 2011, 11:43, archived)

scraped her panels, on the corner of my car.
she didn't stop in time or pull over into the hedge away from me.

i dunno i can see it all being called my fault.
( sleepybinky, Wed 22 Jun 2011, 11:51, archived)

It seems pretty straightforward from what you've said.
If she was going too fast to go around you, around a blind corner, then she was driving too fast for the road and it's her fault. As tmb has said, there could have been a tractor round the corner and then she would have been fucked.
( BraynDedd Natasha Kaplinsky's labia majora, Wed 22 Jun 2011, 11:57, archived)

she wasn't going round a blind corner, she was going past blind entrances.

( sleepybinky, Wed 22 Jun 2011, 11:58, archived)

Then it's still her fault, she shouldn't have been so far over to the left.

( BraynDedd Natasha Kaplinsky's labia majora, Wed 22 Jun 2011, 12:12, archived)

to the right.
but it's a single lane, it isn't exactly wide.
( sleepybinky, Wed 22 Jun 2011, 12:42, archived)

and i will accept that i pulled out without having a clear view, because you actually need to pull out to see
so yeah i did drive into her a bit, but she wasn't exactly slow and oh god i don't know.
( sleepybinky, Wed 22 Jun 2011, 11:58, archived)

Usually they do, as they need a written statement and you get to draw a sketch of the junction and positions of your cars
I had to do it when an old man turned right across a junction when I was going straight on through a green light (because "he made that turn every day without someone else being there before"). He admitted liability to the insurers but his daughter (who wasn't there) wouldn't let him settle the claim without receiving some money himself (claiming suddenly that I was speeding and wanted an 80/20 split)

EDIT: It's also worth taking some photos of the site, especially from your point of view as a driver so that the insurers can see that you had limited visibility.
( h3donist tryin' to play me out as if my name is Sega.., Wed 22 Jun 2011, 11:14, archived)

i have photos, my insurance people took my statement over the phone and they do not want a form or anything.

( sleepybinky, Wed 22 Jun 2011, 11:47, archived)