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Head on collision

Miss OMMC

I was involved in a head on collision this morning.

I was driving home and was 50m from my house. I was travelling straight approaching a blind bend and the other car was on the bend travelling in the opposite direction. This road is a narrow, rural road so only room for one car.

I saw the car and broke hard. My car stopped in time but other driver didn't break (at least not until the last second) and drove straight into me. No one was injured thankfully but my car is seriously damaged. The other driver is not accepting liability.

I'm wondering if there is any point in trying to claim against her insurance or should I just claim through my own. My car is quite possibly a write off.

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Isambard

no analysis of that sort will be done. It's not NCIS

paleoperson

CeilingFly wrote: »

Impact marks and direction of damage on the vehicles not on the road.

If cars were towed away, tyre wear will show what car was in motion going forward and which car was being pushed.

Same with physical damage. Analysis will show easily and clearly the vehicle that was in motion at time of impact.

Do you ever start talking about things you have no idea about to sound smart and informed?

cursai

Jesus wept. I'll need be getting out my old 3D imaging PC and doing a mock up of the scene. Just add a physics algorithm and bobs your uncle.

Case closed.

Money in the bank

Victor

Miss OMMC wrote: »

No one was injured thankfully

Realise that many injuries will take 24-48 hours to become apparent - adrenaline and endorphins can mask injury. I was in a crash and other than lightheadedness seemed fine at the time. 48 hours later, I looked like I'd been in a boxing match.

Miss OMMC wrote: »

What does 50/50 mean exactly? My car is 171 Tuscon with the front totally mangled, her car an 08 megan with a lot less damage

Insurance (if valid) means that both parties should be put back to where they started before the collision.

50:50 means equal responsibility.

Your insurer would have to pay their insurer for 50% of the cost of the damage suffered by the other driver. The other driver's insurer covers the other 50%, so the other party gets 100% of the cost of the damage suffered.

The other driver's insurer would have to pay your insurer for 50% of the cost of the damage suffered by you. Your insurer covers the other 50%, so you get 100% of the cost of the damage suffered.

Note that only insured items are covered. If you have undeclared fancy alterations to your car, your insurer won't be paying for them, but the other insurer should cover 50%.

It gets interesting when responsibility is 80:20 when someone hits an ambulance that costs €250,000. The ambulance operator gets 80% of €250,000 from the other side. The other driver gets 20% of not very much.

Silent Running

Of course the insurers will settle on 50/50 blame. That way both can screw their customers on the NCB.

Henry Ford III

Silent Running wrote:

Of course the insurers will settle on 50/50 blame. That way both can screw their customers on the NCB.

Good attitude.

redcup342

This is the reason a Dashcam is a good idea.

Kenny Logins

CeilingFly wrote: »

Impact marks and direction of damage on the vehicles not on the road.

If cars were towed away, tyre wear will show what car was in motion going forward and which car was being pushed.

Same with physical damage. Analysis will show easily and clearly the vehicle that was in motion at time of impact.

Too much telly.

granturismo

OP - in my experience with a minor incident, 50:50 responsibility will not be 50:50 in terms of your out of pocket expenses for any repairs - my insurance company referred to it as 'knock for knock' where each driver decided not to claim for a 50:50 responsibility and had to pay for their respective repairs.

Claim from her insurance if you think she was liable and see what happens.

_Brian

drunkmonkey wrote: »

How is it 50/50 she stopped and someone drove into her.

Evidence is key, what evidence has op that they stopped and the other driver didn’t.
I’m tue absence of hard independent evidence it’s 50/50

If the guards weren’t on the scene I can’t see how there was independent evidence.

Henry Ford III

If you could prove that you were stopped at the time of the collision you'd win this OP. Not sure how you could do that though.

shamrock55

lawred2 wrote: »

Her little Megane mangled your SUV?

I was thinking the same thing,how is that possible

_Brian

CeilingFly wrote: »

Impact marks and direction of damage on the vehicles not on the road.

If cars were towed away, tyre wear will show what car was in motion going forward and which car was being pushed.

Same with physical damage. Analysis will show easily and clearly the vehicle that was in motion at time of impact.

I think we’re going too criminal minds on this.
Such evidence is analysed in fatal accidents but not in minor injury free accidents where both vehicles have left the scene and not been secured.

Fieldsman

Traveling on narrow roads I always blow the horn approaching blind bends

Kenny Logins

Henry Ford III wrote: »

If you could prove that you were stopped at the time of the collision you'd win this OP. Not sure how you could do that though.

It seems many cars do have a "black box", Event data recorder (EDR), but I have no idea if the data is accessed in relatively minor accidents like this, or if it even recognises the impact without an airbag going off. Interesting though..

Dakota Dan

seamus wrote: »

The opposite actually. If the 171's costs are 10k and the 08's costs are 5k, then both insurers will pay 7.5k.

OP has nothing to lose by putting in a claim.

50 50 was always fix your own, when did it change?

Dakota Dan

shamrock55 wrote: »

I was thinking the same thing,how is that possible

Very possible I’ve seen a few accidents between cars and 4x4’s a land cruiser on one case and the cars came out best.

Dakota Dan

Fieldsman wrote: »

Traveling on narrow roads I always blow the horn approaching blind bends

Yeah that will make the other driver brake instantly.

highdef

Dakota Dan wrote: »

Yeah that will make the other driver brake instantly.

Agreed, I do the same on the very tight narrow blind bends in my local area. I take the corners slowly anyway and keep as far left as possible however if I hear someone sound their horn before me, I will ensure I'm down to a crawl, to ensure least chance of conflict.

Sounding the horn in these sorts of situations is very sound advice

Cabaal

listermint wrote: »

Even on rural roads there is space for 2 cars.

Not on all rural roads there ain't!

Plenty of rural roads are only suitable for one car, only way to get by is if the other car drives into a gateway or gets completely off the road by going into a ditch

Alanstrainor

listermint can no longer post in this thread, and his point has been argued enough times already in this thread. I think we can leave that one now.

Cabaal

Alanstrainor wrote: »

listermint can no longer post in this thread, and his point has been argued enough times already in this thread. I think we can leave that one now.

Apologies,
This thread reminds me that I need to replace my dashcam!

flatty

CeilingFly wrote: »

boombang wrote: »

I don't doubt that they can, but I'd be interested to know what techniques they use to achieve this.

Thanks

Fairly simple by analyzing the impact marks and the direction of damage.

Not in a direct head on

kirving

If it were me, and I knew i was in the right, I'd be paying for the manufacturer to extract the data logs myself, and then claiming that cost back once proven right.

Eggs For Dinner

Dakota Dan wrote: »

50 50 was always fix your own, when did it change?

It was never fix your own

demanufactured

If you were stopped then it wasn't a "head on collision"
The other driver ploughed into a stationary vehicle.

twin_beacon

drunkmonkey wrote: »

How is it 50/50 she stopped and someone drove into her.

The problem is being able to prove that. The person that hit her can just as easily say they were stopped, and the OP crashed into them. In cases like that the insurance companies will call it 50/50 and share the expenses, as if they bring it to court, without prof of who was at fault, a judge would call it 50/50.

honda boi

Unfortunately it's not what you know its what you can prove.

daheff

twin_beacon wrote: »

The problem is being able to prove that. The person that hit her can just as easily say they were stopped, and the OP crashed into them. In cases like that the insurance companies will call it 50/50 and share the expenses, as if they bring it to court, without prof of who was at fault, a judge would call it 50/50.

if there were any skid marks on the road it would prove who was stationary and who was not.

assuming police bothered to look (or anybody else took pictures.)

Miss OMMC

shamrock55 wrote: »

I was thinking the same thing,how is that possible

OP here

Hyundai says it's designed to collapse in on itself mainly to protect pedestrians if hit. The bonnet scrunches upwards to stop the person hitting the windscreen.

Also, re collision, our airbags didn't deploy, hers did. Not sure if this is relevant.

It's in the hands of the insurers at the moment.