wrx b

Help plz ,i had a nasty smash in my beloved scooby,thank god every 1 was ok,came around a blind bend when a waggon was broke down a little further up,as i came round the bend there was a build up of traffic and i came round saw the last car in the line of traffic and had no chance so i saw a gap in the on comming traffic went for the gap and caught the side of a smart car ,they were ok but had to b cut out due to possible spinal injuries,althought they had been sitting on the pavement earlier with me smoking,B4 every1 says u were going to fast i was not and had no chance of avoiding the accident,if it was not me it would f been some one else ,and in a way im glad it was me as some one else might not have had the power or handling to get out of the situation,i mean it could of been a waggon then god knows what would of happened.Anyway the prob i have is i never told the insurance about my headlight conversion and i take it thats a modification, i thought that all i need to tell them about r engine mods but found out differant,where do i stand?? im worried i didnt know this .

Paul3446

Sounds like you were going too fast to me. How come you were the only car to come round the corner that couldn't stop in time? If you approach a blind bend at a speed that means you can't stop if there is something round the blind bend you are obviously going too fast.

As for having the power and handling to get out of the situation, what has that got to do with anything? Why do you need power to avoid an accident that requires you to brake suddenly. Or are you saying your reactions are so incredible, that in the split second you had to decide whether you could stop or not, you were able to apply enough power to fly through a gap that wasn't there, because you were in a powerful car?

Time to grow up, get yourself on some advanced driver training, slow down a bit and maybe get yourself a car a bit more suited to your ability.

As for the question about whether your insurance will cover you, I've no idea, although admitting modding your car and not telling the insurance company on a public forum probably hasn't improved your situation.

All IMHO of course.

TonyBurns

iTrader: (3)

Thats very harsh,but have to totally agree
Having a fast car doesnt make you a good driver and not declaring any mods to your insurance co is an excuse for them to not pay out, id be more worried about what the police are going to do with you rather than the insurance co as you could be done for dangerous/undue care and attention driving.

Tony

wrx b

thanx for that,i was the only car that didnt hit any 1 because there was a bigger gap for the car that came round the corner to stop,as for grow up a bit im 40 years of age and been driving for 22 years without even a scratch on any car i have drove.U dont even know the road im on about ,let me tell u there r accidents there all the time and the police are pushing for lights on the bend.All i asked for was some advice not a ticking off of some one who does not even know the situation ,the road or the person i am,so dont tell me to grow up prat.

wrx b

Also not getting done by the police as they say that it couldnt be avoided its that blind of a bend.So thanks for the advice.

andythejock01wrx

As you say, due to the broken down vehicle on a blind bend, it may well have been difficult for you to avoid the accident from that point (you don't mention your speed or the speed limit for the road in question. However, from a civil law perspective, you'd be considered to be at fault.

As for the non-disclosure of your headlamp mods, well, you may be ok - it just depends on the stance of that particular insurer and the specific wording of the proposal you signed when you took out the policy : some proposals are worded "has your vehicle been modified to alter its performance" and others are worded "has your vehicle been modified".

Even if your insurer does penalise you due to the non-disclosure, the standard practice is for them to simply calculate the additional premium they would have charged for the vehicle with that modification and deduct that amount fom your claim settlement, as opposed to refusing to indemnify you altogether.

Hope this helps,

Andy Mc

wrx b

THANK U for the advice ,people think that because u go around a bend and crash its your fault and it pisses me off,so everybody goes around bends at 10 mph i think not,there has been 2 deaths there in 2 years not exactly where i crashed but a little further up,its a 60 speed limit,but i travell on this road everyday ,i know how dangerous it it so im aware and drive to the road,if it hadnt of been me it would of been some 1 else.Im now pushing for more signs and maybe getting them to put lights there if i get anywhere i dont know but im giving it a go maybe it will save a life .Anyway thanks for not blaming me like other people on here cheers

andythejock01wrx

You're welcome mate.

Andy Mc

RLE

iTrader: (2)

Andy has hit the nail on the head regarding your insurance. They will calculate the additonal premium and deduct from any settlement.

andythejock01wrx

Why, thank you.

WRX marv

To right WRX b,how can any 1 judge when they don't know you or the situation...It's amazing how quick some people on these sites judge & condem you when you have any miss fortune while driving a fast car.automaticlly assume you were giong to fast or driving like a complete ***...It might suprise them that even the best drivers get caught out some times & some situations are unaviodable....
As for the comment on your drivng abillity,i doubt that the persons who made it get out much with that many posts on here,so how can they comment...As for some times needing power to avoivd a situation,i was in a 1.3 eacort around a bend wich in the wet is really greasy,so only going 20 to 30,back end slid out & ended up thru a fence (no point applying brkes when sliding),any how had same situation in scooby but with mud on the road only giong 20 (brakes would have been usless again) so booted it got some traction & pulled it out of the corner...so yes there are times when you need power to avoid an accedent...
Sorry rant over lol.
Sounds like you just had some avoidable bad look,pleased every 1 involved were ok..As for insurance anything that is not factory fit is classed as a mod & they will use any excuse not to pay out...if you stil have the standard 1s see if you can slip them back on before the loss adjuster comes round....

Ru55e11

So what your saying is that no matter what the car, no matter who was driving and at no matter what speed, this collision could not have been avoided?

It was simply bad luck that it happened to be you, in your scoob travelling at ??mph - is that what your saying?

I'm not having a go mate - I feel for you, you've stacked a tidy motor! Its just that if it were me, I might be thinking that I may be to blame.

My first scoob was a silver bug, hope you get yours sorted

<Russ>

TonyBurns

iTrader: (3)

Blind bend.... so lets see.... bad luck or bad driving, considering that your suppose to anticipate the likes of this, every blind bend has an accident waiting to happen, bad judgement or bad driving for not anticipating it?
Too much faith in the car and not enough in considering the road, can be driving 44 years, doesnt make you a good driver.

Tony

Jap Import

Calm down mate, just the usual muppets putting their boot in.

It's getting more and more common on the forum for people to dismiss the innitial question and increase their post count by slating you.

Dismiss their posts mate, simple.

As for insurance purposes, you really should inform of ALL modifications, wether it be performace upgrades or just for asphetics.

I'm glad nobody was seriously injured.

GROWLER_GRRRR

with any luck you will get banned off the road , make the road a safer place .

always sacrifice your position for safety .

Jap Import

Ahh just a thought on the insurance.

I had an Escort cabriolet and put a full cosworth bodykit on it.
The insurance were updated as and when the mods were carried out.
It was my only car (19 years old, paying £1800 per year TPFT, couldn't really afford to have a second car).
So I had the mods done in stages, i.e front wings, rear wings and so on.

I had this elderly woman drive into my drivers door.
The door inner and outer were totalled and my new front wing had been damaged also.
On inspection the insurance company just informed me that they would only pay for the door and a STANDARD wing.

I realise they all work differently, but hope you get the same outcome, or better

Simon 69

But it was your fault. Whose fault do you think it was? Do you expect the people that you hit to pay, or maybe the person who had broken down? No: of course you dont, because that would be ridiculous; who else is left?

Take it like a man and learn from it

vindaloo

In so far as insurance is concerned, it's your fault, IMO. Glad to read that the Police are treating it as unavoidable.

Also IMO, you were travelling too fast for the road conditions, specifically, the bend in question. You don't expect something to be stationary around a blind corner but you can't know.... I've experienced something similar myself... I came to a stop alongside the last car in the queue! Fortunately, in my case, the lorry was doing a reverse turn into a farmer's gate and had blocked the oncoming traffic.

Advanced motoring bods always seem to waffle on about vision and observation. There's a reason for this. If you drive knowledgeably and defensively, you keep control of your circumstances more than if you don't.

J.

GROWLER_GRRRR

Advanced motoring bods always seem to waffle on about vision and observation. There's a reason for this. If you drive knowledgeably and defensively, you keep control of your circumstances more than if you don't.

J.[/QUOTE]

waffle i wouldnt say its waffle more common sense that could and has saved many lives . you carnt see you carnt make progress easy as A B C .

Paul3446

Quote:
"i know how dangerous it it so im aware and drive to the road"


This seems like an unusual statement to make given that you have just come round the corner with in your own words "no chance of stopping" and then managed to use the superior power and handling of your car to aim for a gap in the traffic that was too small and crashed into an innocent motorist.

I notice that you still haven't said how fast you were going around this blind bend.

Paul3446

By the way, I'm not an "advanced motoring bod", I was merely pointing out that you may benefit from some of their training.

Paul3446

Quote:
"As for the comment on your drivng abillity,i doubt that the persons who made it get out much with that many posts on here,so how can they comment"


Gosh yes, I really must get out more, I've made 1600 posts in 21 months on here, that's 2.5 posts a day, that only leaves me about 23 hours and 55 minutes a day, I feel such a fool that I've been wasting my days!

chocolate_o_brian

iTrader: (22)

wrx b, from reading your post, and the various "ahem" replies, it sounds like you were to blame, but, in a harsh sense. so please dont barracade me for that.

can i ask though, and i realise this isnt an english lesson, why someone who is 40(ish) as yourself, probably a respectable citizen, writes in text speak. you are certainly not gonna get many fiends on a forum like this using letters to replace words.

before you sink your teeth into this reply.... what do people generally associate with a chav for example.... text speak, dangerous driving etc.

all im saying here is it wont help your cause.

good look with the police and insurance issues. keep us updated fella

Paul3446

I notice that on 26th June you posted a thread about how to change your brake pads.

On 14th July you posted about a whaling noise coming from your pads, which you were advised was probably the pad wear indicators.

On 4th August you posted that you had a nasty smash when you came round a corner and couldn't stop in time and smashed into a Smart car possibly causing spinal injuries to the occupants.

I trust that you did get your pads changed, I'm not saying that this may have caused the accident, but if you weren't going too fast and everyone managed to stop, then perhaps that's where the problem is?

chocolate_o_brian

iTrader: (22)

not jumping on your back paul, but your indicating some pretty serious allegations here. without deeming to be patronising... be careful, this sort of **** can have consequences...

if wrx-b has indeed started these threads about pads etc, and his insurance/the police see these comments, do you wanna get involved

il leave it to your devices fella

Paul3446

I see you're up late as well.

I don't think I'm too worried about getting involved in anything, after all I have no information, all I'm doing is pointing to other threads started by the same user, that are on a public forum open to anyone to view.

I completely agree that you need to be very careful what you post on the internet, but perhaps it's not me you should be telling.

scousefly

the guy asked about how he stands about his insurance.
As far as his story goes he didnt have to say anything but he deemed it his perogative to divulge it and most of the replies have slated him/ blamed him and even pointed out possible causes through questions he has asked earlier on the forum talk about guilty till proven innocent

The police have deemed to not prosecute which says it all NOT GUILTY
Good 4 you. Andy is probably right with his insurance assumption just dont try an blag anything
And as far as advanced driving lessons are concerned they wont stop you being in an accident and sometimes you cant even drive yourself outta one either each has its own cause and effect, and please commenting on tx speak and other such comments this is supposed to be a helpful forum not a 'lets see how many holes we can pick in him' forum

jasonius

iTrader: (1)

Just purely from an official point of view, the Driving Standards Agency states:

You should drive at a speed that allows you to stop safely in the distance you can see to be clear. Regardless of the indicated speed limit (which is the limit in ideal condition, ie dry etc..).

Obviously there are 'accident black spots' on our roads, but if we all drove thinking "what if there's a broken down tractor or an old lady lying in the road just around this bend..?" you'll find yourself driving a lot slower, believe me..!

Also, the roads would be far safer.

Don't get me wrong, I'm not criticizing anyone, but at the end of the day you're driving a 1 ton+ potentially lethal weapon..!

Hopefully everything will be fine with this incident, but maybe there's something to be gained from it, as it could have been a lot worse from what you've said..

wrx b

I dont believe some of the replies i have had on here.First of all the way i write dont make me some chav,also i have not in anyway been blamed for the smash and the case is now closed,so that tells me that it was a accident.
other peolple in the accident have said it could not be have been avoided,and glad it was a car and not a hgv.As far as my brakes are concerned it was a stone causing the noise.As for speed i was doing between 40 and 50 the police have proved that !.So thanks for the advice which i have had of some of the people using this forum ,i think a lot of people should get their facts right before telling me that im a bad driver and its all my fault.
Good job you are not the police that turned up as i would be locked up by now for a long time. Anyway a lot of people have really pissed me off so with that im going to look else where for advice about my scooby .
Thanks for some of the advice i have had on here guys
And i hope the people on here who slated me never have a accident because it does not matter what the circumstances were ,U KNOW ITS GOING TO BE YOUR FAULT.

Paul3446

Sorry to labour the point, but 50 mph round a blind bend on a corner you know to be a notorious accident blackspot?

I just think you need to realise the difference between speeding and driving safely for the conditions. I guess the true answer is whether you will still take that corner at 50 mph every time or just slow down a bit. I suspect I know the answer.

On here you will always get lots of different views, just learn to live with it. No-one has abused you, we've all just offered our advice and our views. I have never said that you were speeding, just that you may have been going too fast for the situation.