Minor Accident. Advise Pls

[Nf0rc3r]

Jtay is right.No such thing as he traveling straight and still have to give way to you though you're on the right.You arguement now is only he's speeding in car park.No attempt to slow down thus collision.From the video very obvious,nothing to argue about.

 

Actually Final Theory got learn lei. In junctions without major minor classification Ur suppose to give way to vehicle on your right. Be it u going straight or turning. But i dunno whether this apply to T junction anot.

[Nzy]

So Wat's e after effect of claim? Insurance premium up by how much e following years?

 

I had no ncd so never lose any ncd. But there was an increase in premium so I switched over to another company the next year and paid roughly the same amount. But my claim was quite low though. The other party claimed $1400 and i never claim anything cuz the car scrap already.

[Nf0rc3r]

So Wat's e after effect of claim? Insurance premium up by how much e following years?

 

U can use Aviva to check.

For my dad's car if 0 claims = 1.2k Premium with 10% NCD

If 1 claim in past 3 years = 1.5k Premium with 10% NCD

 

That means for the nex 3 years prepare abt 30% more premium / year?

[Ishiwgao]

Actually Final Theory got learn lei. In junctions without major minor classification Ur suppose to give way to vehicle on your right. Be it u going straight or turning. But i dunno whether this apply to T junction anot.

 

haha that's true.

[Alechi]

Hi Doraemarc,

 

After viewing the video, I regret to inform that the recordings does not mitigate your liability in anyway. It's a pity you don't have side cameras as well, because your current recording basically shows a turning car (yours) banging into a forward going car. Gd luck!

 

 

hi guys juz encounter a minor accident. need ur advice again. kindly view e video from my car recorder here:

 

 

The story goes like this:

 

I was driving out from my carpark. When i checked left there's no car. the video also showed there's no car approaching from left when i reach the junction. i proceed to turn out slowly as there's a car n some pedestarians on my right so naturally i focus more on my right (i cant be watching my left while doing right turn right?) and as u can see e car appear from my left n i cant stopped in time n bang into him.

 

would like to ask does major/minor road rule applies within carpark? cos there's not stop line on my side to state dat i'm minor or he major. although at junction he's going straight while i turning right. but do take note he was not there yet when i was turning out. it ends up his car in front as i was slow n he's fast. (i was slow as there r pedestrians on right)

 

damage: his car - rear right rim scratched, fender n door dent in.

 

now he wanna claim 100% liability on my side and wanted me to pay for one set of rims as we going settle private. but i still think there's some point of contest as it could been avoid if he din insist 'his right of way' as he could hv slow down seeing me alr turn out from my road. thus wanna confirm whether minor/major rule applies in carparks so i can negotiate with him a fairer compensation. cos if repair cost bcoms too high i will go claim insurance. one new set of 19 inch rim cost easily $1k+!! going by video evidence, is there a possibility it will be 50-50? i know going insurance is lose-lose as it's not a big repair, but if he want me to pay for all four rims dun think it's fair. even my previous accident when pple bang me n scratched my rear right rim, insurance also nv compensate full set.

 

btw i'm not trying to shirk any responsiblity here but i dun to juz pay blindly thus bros kindly give adivce pls. thanks

 

[Kopites]

My stand.

 

Turn only when is safe to do so. Not matter how many time you need to check left /right. U still need to ensure is safe before turning. Banging into that camry show is wasn't safe for you to turn right. U don't have a case. Same go to if someone bang you from behind. The contesting point is "Never Keep a safe distance." Settle privately TS.

[Doraemarc]

The content of your thread and others who replied to you are noted. I am not amused that you demonstrated your ignorance of the Highway Code, and lack of driving skill (like the technique of reversing out of carpark lot by yourself). I believe the Police would mention: due to negligence or otherwise on your part, you had drove in a disorderly manner resulting in your car colliding into the other car (Police can give you demerit points for that besides a fine as penalty). Reason: you failed to keep a proper lookout (you already confessed that you saw no car, yet you hit one to prove yourself in the wrong). There was a stop line but you saw none? Do you want us to believe you had poor eyesight at that point in time? We like to believe you as your friends, but the truth is you seems to lack proper driving skill (like identifying the stop line for yourself). Ideally, you and some others attend some refresher driving lessons (including Highway Code).

Example: years ago, a car next to mine happened to hit my car while reversing out of his carpark lot. The driver immediately offered to pay for the damage repairs if I agree not to make police report or insurance claim (He knew he had crossed the stop line and hit my car). I gave him my workshop telephone number and handed me a cheque the next day. My worskhop ordered new replacement door through the AD

I believe many accidents are result of assumption/guessing, due to lack of efforts on observation and precautionary/preventive measures. I also believe you and some others will benefit attending refresher driving lessons, including Highway Code, as your lives are worthy enough to pay the fees for refresher driving lessons. I believe this is all the help I can give you to avoid repeating such accident in future. Wishing you happy motoring

 

i agree with u dat assumption is the mother of most mishaps. but kindly point out to me where is e stopline in my carpark as i really cant see e invisible line, despite staying there for 30yrs.

 

second, when did i reverse out from my parking lot? i seriously think u mixed up another driver's clip with mine.

 

but still, i agree with u on e assumption part of ur post. however, i'm not gonna go into another extensive explaination to tell u how i checked my left n right b4 proceeding out from my carpark.

[Doraemarc]

guys thanks for all feedback.. would like to point out dat, i did check on my left b4 moving out from my carpark. dun forget, the camera was fixed to only straight but my head is still movable. for those bro concluded dat i did not check my left n proceed without due care pls be fair.

 

also, there was at no time i am trying to shirk all e blame. i acknowledge the negligence on my part as i was too focus on the pedestrians n car on my right, but i truly believe it could all be avoided if e other party did not insist his right of way n proceed straight despite seeing me alr proceeding out. i mean, even though he had e right of way (which is still debatable according to one of e bro), had he stopped when seeing my car alr proceed to turn out, it could had been avoided. thus i think there shld be some responsibility on his part too.

 

i'm more than willing to settle private so dat i wont contribute to overall premium increment for all motorists. but if e other party is asking for sky (new set of rims), i can only go hell (insurance company) to find him one, i guess.....

 

however, if i were forced to choose, i would rather bang on his car while looking to my right, than to knock down a pedestrian while looking out on my left while turning right... imagine one of the bro actually tell me i shld look to left for 1-2 sec while performing a right turn. didnt we learn to see where we drive? did u learn to drive this way? see left while turn right? even only for 1-2sec?

 

for e bro dat feels i shld go for refresher, i truly think u mixed up another clip u saw with mine. since when there's a stopline in my carpark? since when i reverse out from my carpark lot? which part of the clip shows i'm driving in a disorder manner? kindly point out to me n i'll rectify my mistakes, if i commited wat u mention.

 

anyway, thanks for all e feedbacks once again. can only meet to discuss with e other party next week to resolve e compensation. will post more updates when settle. meanwhile do keep ur views on the incident coming. i'm more than willing to learn thru mistakes n definitely not defiance abt my mistakes.

[Neutralsg]

hi guys juz encounter a minor accident. need ur advice again. kindly view e video from my car recorder here:

 

 

The story goes like this:

 

I was driving out from my carpark. When i checked left there's no car. the video also showed there's no car approaching from left when i reach the junction. i proceed to turn out slowly as there's a car n some pedestarians on my right so naturally i focus more on my right (i cant be watching my left while doing right turn right?) and as u can see e car appear from my left n i cant stopped in time n bang into him.

 

would like to ask does major/minor road rule applies within carpark? cos there's not stop line on my side to state dat i'm minor or he major. although at junction he's going straight while i turning right. but do take note he was not there yet when i was turning out. it ends up his car in front as i was slow n he's fast. (i was slow as there r pedestrians on right)

 

damage: his car - rear right rim scratched, fender n door dent in.

 

now he wanna claim 100% liability on my side and wanted me to pay for one set of rims as we going settle private. but i still think there's some point of contest as it could been avoid if he din insist 'his right of way' as he could hv slow down seeing me alr turn out from my road. thus wanna confirm whether minor/major rule applies in carparks so i can negotiate with him a fairer compensation. cos if repair cost bcoms too high i will go claim insurance. one new set of 19 inch rim cost easily $1k+!! going by video evidence, is there a possibility it will be 50-50? i know going insurance is lose-lose as it's not a big repair, but if he want me to pay for all four rims dun think it's fair. even my previous accident when pple bang me n scratched my rear right rim, insurance also nv compensate full set.

 

btw i'm not trying to shirk any responsiblity here but i dun to juz pay blindly thus bros kindly give adivce pls. thanks

 

Base on your info and video, I don't think the other driver will bear more than 10% liability (if any). The car appeared fast because of the proximity between your video and that vehicle. Since he was going straight and you were turning, he probably assumed you will stop on seeing him but you did not as you did not check your left before turning while he probably did not see that you were not looking at him.

Since there were pedestrians and a vehicle on your right (see your statement above), why did you proceed slowly instead of making a complete stop to give way to the vehicle and/or pedestrians on your right? Had you done this, you could have checked your left before turning. The vehicle front appeared in your video before you make a complete turn and you would have stopped had you at least glanced to your left.

In view of the damages you mentioned, repair is unlikely to be below $500 and depending on how old he vehicle is, may likely go beyond $1K.

While it is unlikely that he will ever get a completely new set of rims (unless the same rims are not sold individually) in the event of an insurance claim, compensation cost to repair plus loss of use is likely to be exorbitant. While claiming insurance is not advisable, it may be inevitable if you are unable to afford his claim.

Just my 2 cents. Good luck!

[Neutralsg]

hi Good-Carbuyer,

 

thanks for your reply. there were no casualty, just all passengers got scared. Luckily!

 

The other party has given me cash and any balance for the car repair he will top up.

 

He was pondering whether to claim insurance a not because he is afraid his damage repair is too much. So i am afraid he suddenly go claim then how?

 

But we've both signed on a statement of account on the whole accident and agreement to settle privately. Will this document be valid if anything happens, ie he suddenly claim against me....

Since he is pondering to claim presumably against his policy, tt is advisable for you to make an insurance report and provide copy of his agreement to bear your repairs as part of the report because in the event his insurers tries to claim against your policy, you are covered. Bear in mind that any unreported cases for claims involving your vehicle can absolve your insurer from representing you should there be any legal suit.

Just my 2 cents.

[Good-Carbuyer]

errm,is there a stopline?

which second of the clip did you see the stopline?

Can I believe you are not testing/questioning my knowledge of the Highway Code? (I believe you are asking sincere question, as you may find refresher driving lessons including Highway Code, useful). In case of doubt, go to the carpark mentioned to see the stop line (most of them painted white)

Edited November 19, 2010 by Good-Carbuyer

[Good-Carbuyer]

hi Good-Carbuyer,

 

thanks for your reply. there were no casualty, just all passengers got scared. Luckily!

 

The other party has given me cash and any balance for the car repair he will top up.

 

He was pondering whether to claim insurance a not because he is afraid his damage repair is too much. So i am afraid he suddenly go claim then how?

 

But we've both signed on a statement of account on the whole accident and agreement to settle privately. Will this document be valid if anything happens, ie he suddenly claim against me....

Haha, do not worry. He has to make Police report in order to make any insurance claim. The Police will give him demerit points for the accident caused by him. I believe he knows what is good for him (he very pleased that you do not make insurance claim/Police report). He is more worried than you , so happily signed the agreement to settle the matter and pay for repairs to the damages

[Good-Carbuyer]

hi Good-Carbuyer,

 

thanks for your reply. there were no casualty, just all passengers got scared. Luckily!

 

The other party has given me cash and any balance for the car repair he will top up.

 

He was pondering whether to claim insurance a not because he is afraid his damage repair is too much. So i am afraid he suddenly go claim then how?

 

But we've both signed on a statement of account on the whole accident and agreement to settle privately. Will this document be valid if anything happens, ie he suddenly claim against me....

Haha, do not worry. He has to make Police report in order to make any insurance claim. The Police will give him demerit points for the accident caused by him. I believe he knows what is good for him (he very pleased that you do not make insurance claim/Police report). He is more worried than you , so happily signed the agreement to settle the matter and pay for repairs to the damages

[Good-Carbuyer]

My stand.

 

Turn only when is safe to do so. Not matter how many time you need to check left /right. U still need to ensure is safe before turning. Banging into that camry show is wasn't safe for you to turn right. U don't have a case. Same go to if someone bang you from behind. The contesting point is "Never Keep a safe distance." Settle privately TS.

You got the point. you are right. My reply may be too long-winded and I hope not too many readers have difficulty with it (laugh)

[Good-Carbuyer]

To be fair, after viewing the video a few times....

 

TS is to be blamed solely for the accident and should take it as a lesson learnt.

 

My suggestion is to privately settle.

You got the point. you are right. He should practiced good basic driving skill, not be misled by gimmick-like video/camera-tricked driving

[Tansrb]

settle privately. imo you'll kenna 100% if insurance steps in also. the other driver abit too much also la. no need new set of rims. just replace his damaged one with a same one can liao.

 

you can claim you looking at pedestrians, looking at birds, looking at bikini-clad babes, but ultimately you should be alert to everything around you, not just a 180 degree view. looks like when u slowed down the camry seemed to interpret it as you letting him go. then you accelerated at him.

Edited November 19, 2010 by Tansrb

[Good-Carbuyer]

the other driver also braindead. he shld have seen you coming, slowed down or horn you... instead he just cheong straight. not sure how insurance would view this. i would use the video evidence to nego a 50/50 with him

 

if you go ins, i think only lawyer win

You got the point. You are right. The lawyer(s) win. The other party also win. TS pay for higher premium next, after Police penalties.

[Good-Carbuyer]

i tot i see TS did slow down before turning.... then suddenly pick up and boing...

Panicked?