Absolutely fucking livid........

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hywelghywelg Frets: 1483
10 yards from home and a car broadsides me coming out of a side road. 

Steering rack broken, two passenger side doors fucked, passenger side airbags all gone off. Car is a write off. And I'll get fuck all from the insurance for a 2003 Ford Galaxy.

Trying to calm down but wondering what the he'll I'm going to do for a replacement.  
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  • octatonicoctatonic Frets: 17415
    The main thing is you are unhurt.
    It is a total bugger and I hope there is a solution but just try to remember that the main thing is you are in one piece.
    I am the juice of four limes.
    Trading Feedback
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  • Bloody hell, there must be something in the water...that's the third one I've heard about in a fortnight...all with the same insurance kick in the bollocks.

    Glad you're physically ok.
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  • FretwiredFretwired Frets: 15351
    Glad you're OK. So it wasn't your fault. Make sure you seek urgent medical attention for whiplash, shock, and any other ailment you can think of - you obviously can't sleep. Get signed off work and let your insurance company know and get them to sue the arse of whoever did this to you.
    My pump-action drivel gun is smoking hot today!
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  • You won't get much for the car, but hopefully you'll get a fair chunk for the whiplash, back pain, sleepless nights and ongoing anxiety that you'll be able to claim for.

    As everyone has said, the most important thing is that you are still in one piece.
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  • ourmaninthenorthourmaninthenorth Frets: 2248
    edited August 2017
    .
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  • hywelghywelg Frets: 1483
    Fretwired said:
    Get signed off work
    Fat chance, I'm self employed. And no whiplash, I'm not playing that fraudulent game.
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  • SassafrasSassafras Frets: 12371
    You might think you haven't got whiplash but I'm sure an ambulance chaser could find you a doctor who will swear you're now confined to a wheelchair.
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  • CarpeDiemCarpeDiem Frets: 103
    Whilst it's no consolation, the good news is that you're unhurt. It may be a long shot, but it may be worth asking if you can get a deal under the new scrappage scheme if you replace it with a new car. Alternatively, there may be more used cars available as trade-ins as a result of new September car registrations.
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  • I hope the dumble in the boot is ok..
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  • hywelg said:
    Fretwired said:
    Get signed off work
    Fat chance, I'm self employed. And no whiplash, I'm not playing that fraudulent game.
    That's the spirit. 

    Have you got a courtesy car option on your policy, whilst the insures are assessing the damage...? it'll buy you a few days to get another runner on the road. 

    Been here, it's a right pain in the bloody arse. 

    Keep punching. 
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  • hywelghywelg Frets: 1483
    hywelg said:
    Fretwired said:
    Get signed off work
    Fat chance, I'm self employed. And no whiplash, I'm not playing that fraudulent game.
    That's the spirit. 

    Have you got a courtesy car option on your policy, whilst the insures are assessing the damage...? it'll buy you a few days to get another runner on the road. 

    Been here, it's a right pain in the bloody arse. 

    Keep punching. 
    Waiting for the insurers to call me. I've lodged a claim with the legal protection people that my policy includes. Not sure what the policy will allow me regarding a loaner. Got a suspicion the other parties' insurance is going to argue the case as the side road has just been resurfaced and there are no stop markings adjacent to the main road.
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  • monquixotemonquixote Frets: 8133
    edited August 2017
    hywelg said:
    Fretwired said:
    Get signed off work
    Fat chance, I'm self employed. And no whiplash, I'm not playing that fraudulent game.

    Good for you.

    Don't play that bullshit game.

    Glad you are OK. Hope the insurance is more than you expect.
    Handsome_Chris said: Like white Nile Rodgers. 
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  • hywelg said:
    hywelg said:
    Fretwired said:
    Get signed off work
    Fat chance, I'm self employed. And no whiplash, I'm not playing that fraudulent game.
    That's the spirit. 

    Have you got a courtesy car option on your policy, whilst the insures are assessing the damage...? it'll buy you a few days to get another runner on the road. 

    Been here, it's a right pain in the bloody arse. 

    Keep punching. 
    Waiting for the insurers to call me. I've lodged a claim with the legal protection people that my policy includes. Not sure what the policy will allow me regarding a loaner. Got a suspicion the other parties' insurance is going to argue the case as the side road has just been resurfaced and there are no stop markings adjacent to the main road.
    Hope the call brings some good news. 

    You've done all you can for the time being...can I suggest you switch off for 20 minutes and have a cup of tea? It often helps me when I'm pissed off to the DNA. 

    Take it easy, best. 
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  • GrunfeldGrunfeld Frets: 2560
    edited August 2017
    [EDIT]  glad you're okay physically.  That is actually the most important thing.

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  • SassafrasSassafras Frets: 12371
    hywelg said:
    hywelg said:
    Fretwired said:
    Get signed off work
    Fat chance, I'm self employed. And no whiplash, I'm not playing that fraudulent game.
    That's the spirit. 

    Have you got a courtesy car option on your policy, whilst the insures are assessing the damage...? it'll buy you a few days to get another runner on the road. 

    Been here, it's a right pain in the bloody arse. 

    Keep punching. 
    Waiting for the insurers to call me. I've lodged a claim with the legal protection people that my policy includes. Not sure what the policy will allow me regarding a loaner. Got a suspicion the other parties' insurance is going to argue the case as the side road has just been resurfaced and there are no stop markings adjacent to the main road.
    Can that be an excuse for shooting out onto a main road?
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  • ICBMICBM Frets: 30905
    hywelg said:

    Waiting for the insurers to call me. I've lodged a claim with the legal protection people that my policy includes. Not sure what the policy will allow me regarding a loaner. Got a suspicion the other parties' insurance is going to argue the case as the side road has just been resurfaced and there are no stop markings adjacent to the main road. 
    No excuse. Where there are no road markings you must always give way to traffic on the major road, and if you can't tell which is the major road then you must proceed with caution, so the other driver is still in the wrong whatever.

    The good news is that they did hit you from the side so you're less likely to have been injured, rather than crossing in front of you too close to stop so you hit them side-on instead.

    The bad news is that you'll get next to nothing for the Galaxy - they'll base it on the market value, multiply by 2/3, and take off the excess… for a 14-year-old MPV that will leave about £3.50. You'll then have to fight the other insurance company to get your excess back even if they don't contest the fault.

    I worry about my old Renault Scenic for something like this happening - it's worth much more to me than it is as a car, and if I had to replace it I'd struggle to get anything worth having without paying a lot more.
    "Take these three items, some WD-40, a vise grip, and a roll of duct tape. Any man worth his salt can fix almost any problem with this stuff alone."
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  • TimmyOTimmyO Frets: 2809
    hywelg said:
    . And no whiplash, I'm not playing that fraudulent game. 
    Good on you mate.

    Sorry to hear about it :-( 
    "Congratulations on being officially the most right anyone has ever been about anything, ever." -- Noisepolluter knows the score
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  • chillidoggychillidoggy Frets: 12082
    I know where there's a Ford Ka going for £1,500. Head gasket might be fucked, though.


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  • oafoaf Frets: 165
    Sorry to hear your news. Having had something similar happen to me I understand your frustration. A load of hassle and none of it is your fault.

    Hope your insurance look after you. When some numpty went into me my insurers were very helpful and it wasn't anything like the nightmare I'd feared.

    Good luck and glad you're still in one piece.
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  • JezWyndJezWynd Frets: 2115
    Fingers crossed your insurers come through for you. You're okay, that's the main thing, could have been a lot worse.
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  • stevebrumstevebrum Frets: 3801
    edited August 2017
    Glad you are ok. It's annoyong still though.

    Really pleased to hear you are playing a straight bat.

    To all the cunts that recommended you fabricate injuries - I don't think you were joking - I bet you lot are also the first to moan that insurance premiums are sky high.

    I wonder why?
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  • SassafrasSassafras Frets: 12371
    stevebrum said:
    Glad you are ok. It's annoyong still though.

    Really pleased to hear you are playing a straight bat.

    To all the cunts that recommended you fabricate injuries - I don't think you were joking - I bet you lot are also the first to moan that insurance premiums are sky high.

    I wonder why?
    I'm one of those cunts. And I was joking.
    It was an oblique reference to the 'sick on holiday claim' thread which is symptomatic of the claim culture that we imported from 'Murica so successfully that you can't move for health & safety directives.
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  • hywelghywelg Frets: 1483
    I know where there's a Ford Ka going for £1,500. Head gasket might be fucked, though.
    Ahh right......now how might I get a full size door in that I wonder..... Thats what was so good about the Galaxy, bloody huge with all the seats out...
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  • joeyowenjoeyowen Frets: 3007
    Sucks man.  But as everyone has said, i'm glad you are ok.

    Still, sucks sucks sucks.
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  • lonestarlonestar Frets: 1708
    Glad you're okay pal. If you're a family man and self employed then your health is more important than a car (although it's still a shit scenario).

    If you want to keep working and get a whiplash claim I think @monkey42 has the email address of a top notch solicitor :)
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  • WazmeisterWazmeister Frets: 3592
    Hywel,

    Sorry to hear that mate... you are fine and thats the main thing 
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  • beed84beed84 Frets: 1113
    Sounds like a rough ordeal. To echo other's sentiments, glad you're in one piece and escaped injury. I guess it's an opportunity to primal scream if nothing else. 
    "Life is full of disappointments. And by disappointments I mean people" -- Kambri Crews
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  • digitalscreamdigitalscream Frets: 11568
    hywelg said:
    Fretwired said:
    Get signed off work
    Fat chance, I'm self employed. And no whiplash, I'm not playing that fraudulent game.

    Good for you.

    Don't play that bullshit game.

    Glad you are OK. Hope the insurance is more than you expect.
    It's not so much a bullshit game as you think. The money is set aside for injuries on all claims by the insurance companies - if you don't claim, it goes into their slush fund (ie not to make policies cheaper).

    At least, that's what I've been told. Even without that, I've made a claim recently based on whiplash purely because all of my back problems were caused by an accident and my solicitor fucked it up, so I got nothing at the time for a lifetime of pain; getting a bit back feels a bit like justice.

    Anyway...glad you're OK at least, @hywelg - good luck with the insurers.
    "Mains is ouchy if you get it up you" - Sporky
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  • hywelghywelg Frets: 1483
    Update. New car purchased, VW Caddy Maxi Life from AShford in Kent. Way more than I wanted to spend but didn't have much option, didn't really want a van, didn't want a car with fold down seats (too many nooks and crannies to get dust and dirt in, then very difficult to clean with a vac) preferred removable seats, wanted a petrol but absolutely none about so had to get Euro6 diesel and they are still very new and expensive. Bought it sight unseen, but of course I had seen and driven the same model. Seller is a VW main dealer and it still has nearly 2 years manufacturers warranty left. They also offered to deliver F.O.C (I, know, its not free, I could have haggled them down if I'd collected), which was very convenient.

    My insurers settled , allowing me £2k for my car which was better than expected, no excess, they will claim it form third party. I thought I'd get about £500, but then they hadn't seen the state it was in, Ha ha!!!.

    I'm now in the process of trying to claim uninsured losses from the third party. They have admitted liability so no worries there, but attempting to put a value on my time and then backing it up is very difficult if you're self employed. I reckon £25 an hour for a skilled craftsman is very conservative but no doubt they will think differently. AS it happens I can prove we have a massive amount of work in progress so the loss of 2½ days of my time (could have been a lot more if I'd got the train to Kent to view the car before buying it) has a direct relationship to earnings. I am also claiming for loss of half a tank full of fuel in the old car and new roof rack bars as this car is narrower and mine dont fit. We'll see what happens......
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  • I've just started a new job where I'm commuting about 50 miles by car per day.  In the last couple of weeks alone I've had about 3 or 4 near misses where someone has done something completely bat shit crazy. I've not had a single accident in over 20 years of driving. What happened to driving standards?
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