Insurance advise please lads
Turbo Mini Forums

Driving home tonight with the Mini on the trailer, after an uneventful run up the motorway, a guy has driven into the side of the trailer, trying to go from the inside lane of the roundabout, to take an exit. I was in the inside lane, going around the roundabout to reach an exit further round.

As far as I am concerned, he has driven into the side of the trailer, which is actually physically behind my car, whilst trying to exit a roundabout from the incorrect lane.

I have a witness who was in a van a couple of cars back who saw it all.

I'm fairly happy it was not in any way my fault, and he was in the wrong. Stopped, exchanged details etc.

Basically after some advice on what to do next, should I contact my insurance to pre empt it, or do nothing?

Trailer will need a new tyre, new suspension unit, new mudguard. His 10 plate Mondeo will need a bumper, wing, and a door.

I'm fully comp with protected NCB, touch wood I've not had an accident since I was 17 years old and reversed into a guy in a petrol station and cracked his bumper.

I would tell your insurance as it's an offence to not inform your insurance of an accident and if he admits it and his insurance contact yours, they will question you as to why it was not reported. It needs to be reported withing 24 hours of the incident taking place.

He has driven into your vehicle, as your towing whatever is connected to your car is considered your vehicle, he was in the wrong lane and clearly doesn't understand the rules of the road or lane disipline. Considering you've also got a witness, should be a piece of piss to get sorted. :)

I would let them know, no idea of the legality but may quicken the process up.
It amazes me on the number of drives who have no idea on the rules of roundabouts. There is a min roundabout on a reasonably busy road, with only 3 exits straight on or right onto our estate, when turning right the number of people who just ignore your right hand indicator, think because 90% of people do i am also going straight, then nearly T bone me its mad. got to be one a week!

Yes I would give them a ring to let them know.

roudabouts are a nightmare when it comes to insurance, i would get onto your company in the morning and get a statement in and the witness details over

you have to report it!, when you do tell them **He ran into you**!!, the phone call is recorded, dont hesitate it could go against you
was you IN the inside lane or pulling into it? it might be seen as you should have given way to the right :(, did you get photos?, as soon as i coughed up the photos, case settled in my favour, (he was clearly at fault)
you have a witness so thats a bonus,
all i can think of really..

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Deffo go through the insurance. if your NCB is protected it'll have no affect on your policy.

Fastest 998 mini in the world? 13.05 1/4 mile 106mph

Trouble is, my excess is £400 and it will cost less than £100 to repair the trailer.

I would arrange with the chap,
you'll both win with an arrangement with this sort of low damages, you''ll not have an incident report, you alreday don't know this will turn, you already don't know what will happen tomorrow.
He will save on troubles and on his insurance surprime.

Fab, he was in a 6 month old Mondeo that will probably need a couple of thousand £££ of repair!

You can inform your insurance company but yoi dont have to claim, my mum did this when some nobber drove into her car i just changed the bumper on it for less than the excess, and just a thought doesnt your excess get claimed back from the othere party who was in fault

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You can report it etc, and cancel it later if you wish, but if it is like mine it will stay on your policy, i don't know if it effects the premium but it says that you made a claim then cancelled it! I can't see it effecting anything as you wasn't paid anything, and it's extra back up incase the guy that hit you decides to "go missing" or messes you about etc etc

Personally i'd report it and say that you are coming to a solution with the chap and just wanted to inform them, in my experience they drag their feet in it anyway so even if you wanted to claim, it would take longer than doing it yourself!

Inform insurance, no question IMO.

1 - you are obliged to report all accidents on future applications/renewals, even if you did NOT make a claim and did NOT go through an insurance company so it is best to have it on the database in advance rather than explain why it isn't later.

2 - As stated, providing it is the other person's fault (and you have a witness) you will not lose your excess, it will be refunded by the other person's insurance company.

3 - for the reason you stated (cost of repairing a Mondeo !!!) the other person will undoubtedly tell his insurers even if only to try to blame you and protect his excess so it is 99% certain to get on the database anyway.

Finally, have you not got one of those "add-on" legal protection policies ???

If you have they will deal with it all for you, contact the witness etc.

Schrödinger's cat - so which one am I ???

You may have to pay the excess but I thought it was claimed off their insurance if it was a non fault? Either way you'll get it back :)

i had a non fault accident, the guys who came out to quote gave me a leaflet from accident exchange, didn't have to touch my excess, they did everything for me, gave me a like for like car when it was being repaired. . just had to inform ins, that was that

As above, you may have to stump up the £400, but you'll get it back.

Fastest 998 mini in the world? 13.05 1/4 mile 106mph

So then he'll need to contact his company for damages and relate yours...

Well for this year... The wife has had two people run in the back of her whilst stationary at lights, only small bumps but the insurance has gone up, not to mention the fact I also have to pay more on both the daily drive and the mini.

I dont think they care whos fault it is, just if you have been unlucky you re still a higher risk.

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Yes i moved to the darkside

Instagram @jdm_brett

I'd tell them - when I was hit by another driver, it turned out we were insured with the same company and they agreed to pay out on his policy before he contacted them! best get your report in asap.

surely there will be more damage to the trailer??!!

I'd be tempted to sit tight, maybe contact the other driver and see what he plans todo, to be honest, for the cost to fix the trailer is it worth the insurance hassle and risk of your premiums going up. Like you I have full protected NCB, but every time you ask for an insurance quote after if they ask if you have any NCB, they still ask if you have been in any accidents in the last 6 years.

Team Racing

more importantly was the DON ok?

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DON is fine, I've reported it this morning and informed them that I do not accept any liability and intend to make my own repairs.