Interesting insurance query

the_pen_turner

just saw a video on facbook group of a truck wheel rolling down the road and goes acrosss into on comming traffic and casues a crash with an oncomming vehicle.

someone sugested using the camera car to nudge it towards the ditch and away from oncomming traffic.

how would this work from an insurance point of view.
in the way it happened in the video the blame would be on the truck

but would the tucks insurance pay out for damage caused by the camera car driver to their own vehicle. they caused it to themselves.

how would all this fair out

mikeecho

I'd imagine that if the driver of the car knowing and purposely drove into an object, knowing that damage would be caused then the driver would be somewhat responsible.

What if the wheel bounced off the car, and was deflected into the path of a pedestrian, ultimately causing a death..do you think the drivers actions would be deemed irresponsable ?

the_pen_turner

mikeecho wrote: »

I'd imagine that if the driver of the car knowing and purposely drove into an object, knowing that damage would be caused then the driver would be somewhat responsible.

What if the wheel bounced off the car, and was deflected into the path of a pedestrian, ultimately causing a death..do you think the drivers actions would be deemed irresponsable ?

thats the tricky bit. the video was on a motoryway or simlar so probably no pedestrians around.

ultimatly the camera car would be trying to stop one accident but could cause another

mikeecho

the_pen_turner wrote: »

mikeecho wrote: »

I'd imagine that if the driver of the car knowing and purposely drove into an object, knowing that damage would be caused then the driver would be somewhat responsible.

What if the wheel bounced off the car, and was deflected into the path of a pedestrian, ultimately causing a death..do you think the drivers actions would be deemed irresponsable ?

thats the tricky bit. the video was on a motoryway or simlar so probably no pedestrians around.

ultimatly the camera car would be trying to stop one accident but could cause another

You've just answered your own question.
If the camera car causes the accident. They're responsible.

the_pen_turner

mikeecho wrote: »

You've just answered your own question.
If the camera car causes the accident. They're responsible.

Yes but can argue that they are trying to stop an accident that is already happening

Eggs For Dinner

the_pen_turner wrote: »

Yes but can argue that they are trying to stop an accident that is already happening

Which is not your obligation

the_pen_turner

Eggs For Dinner wrote: »

Which is not your obligation

i understand that. but if you try to potentially save someones life but nudging the tyre into the ditch.

im wondering more about the insurance side of and how that would work out

Eggs For Dinner

the_pen_turner wrote: »

i understand that. but if you try to potentially save someones life but nudging the tyre into the ditch.

im wondering more about the insurance side of and how that would work out

You could actually make things worse because you are not trained/ qualified to take such action. If you feel you might be entitled to repairs in such a scenario, are you willing to accept the financial consequences if it goes pear shaped?

Del2005

the_pen_turner wrote: »

i understand that. but if you try to potentially save someones life but nudging the tyre into the ditch.

im wondering more about the insurance side of and how that would work out

You can't nudge something when you have a combined speed of nearly 200km/h and mass of nearly 2t. Even a small stone flicked at motorway speeds can be deadly don't go messing with a few hundred kg of wheel.

The insurance would see it as you purposely hitting an object that causes problems for others, it's your fault what happens after you nudge it.

the_pen_turner

Del2005 wrote: »

You can't nudge something when you have a combined speed of nearly 200km/h and mass of nearly 2t. Even a small stone flicked at motorway speeds can be deadly don't go messing with a few hundred kg of wheel.

The insurance would see it as you purposely hitting an object that causes problems for others, it's your fault what happens after you nudge it.

it wouldnt have a combined speed of 200 . they are going the same direction.
a car doing 120km/h hitting a car doing 110 is only a 10 km/h initial impact

i wouldnt advocate messing with a big wheel like that but it would be hard to sit back and watch it go to the other side of the road and maybe kill someone . especially if you would only nend up with a small dent or minor damage to your front wing ect