fiestaturbo.com

[paniK]

The other night on the way to my maths tutor, I had an accident. There was a bus stationary at a bus stop and I went to overtake. Pulled up slowly checked my mirror, waited for two cars to pass and then there was a clear space. Went to move out and out of nowhere a BMW 3 series Coupe just appears and I hit his rear wing. I believe he was trying to overtake me and the bus at speed and thus I caught him whist moving out which I was doing so very slowly as well.

At the moment I'm totally devastated and I am more worried about the insurance side of things than anything. The car is an old micra so I couldn't care less about that but to say I'm gutted that I have to make a claim in my first year of driving is a really big understatement at the moment. Just want people's thoughts on my situation.

And the really bad thing is that on Sunday I'm due to go and pick up my new car which I was absolutely over the moon about until this happened. I just hope this doesnt ruin everything I've planned for

[dontpannic]

It shouldn't affect anything, he would have been in the wrong if he overtook you and the bus so therefore it would be his insurance? If not can you not go through insurance and sort it out in cash? That would prevent you having to make a claim. We all know most BMW drivers couldn't care less about the smaller cars on the road...

[M1K3Y_B]

Couldn't have said it better dontpannic

[properphatboy]

Yep, I'd fight that one if they try to put it on you. Just make sure of your wording making it sound like it was his fault. Defo imply he was speeding. If you thought it was down to dangerous driving though the police should've been involved at the scene really. I'd probably state I didn't know this at the time.

[Oranoco]

Yep, I'd fight that one if they try to put it on you. Just make sure of your wording making it sound like it was his fault. Defo imply he was speeding. If you thought it was down to dangerous driving though the police should've been involved at the scene really. I'd probably state I didn't know this at the time.

Speed of the vehicles is of no intrest to the insurers who will argue the case between themselves. It will come down simply to who had the right of way. If you were to pull out of a junction into the path of a speeding car the resulting accident would be your fault as YOU failed to judge the speed of the other car. Speeding is usually only of any intrest to the police and their prosecution. It has been heard for a driver to be charged with speeding and still have the insurance claim go in their favour.

To be honest it sounds like a sterotypical BMW driver thinking they are better and cleverer than everybody else. Were there any witnesses, bus driver or passengers? I would say you have a strong case to contest and don't allow yourself to be bullied into anything. Only deal with your insurance company and enter into no dialogue whatsoever with the other driver or his insurers.

[paniK]

thanks for the advice guys. will take everything on board