https://www.avforums.com/attachments/upload_2018-1-17_19-18-1-png.967157/
She is not driving across a verge...
Even clearer...
https://www.avforums.com/attachments/upload_2018-1-17_19-20-1-png.967158/
It’s not an actual verge no. Maybe my wording should have been clearer. It’s a strip of grass which goes along the inside of the path but has breaks in it whenever there is a drop kerb, which she has.
The point I was trying to make was that she had even further to travel to get from her drive, over the ‘verge’ and then over the path, whereas my wife only has to drive over the path, so was on the road before the other lady.
I am of course aware that insurance companies demand you report every incident, but I am not naïve enough to believe that this is what happens. I personally have never failed to report an accident as the few I have been involved with in 40 years of driving have never been my fault. However, there is no point stating you 'don't want to go through your insurance' and then asking them for advice, as they will see this as an accident and, no-fault or not, in my experience this will invariably impact on subsequent quotes for insurance where you now have to declare the accident on application. I was not judging the moral aspect, simply pointing out the logic.
As for 'if I haven’t even reported it, it’ll be worse for me', that's also illogical as someone has to report an accident first. Being second doesn't mean you're acting in any way suspiciously. The last time I was involved in an accident, 2 years ago, I was stationary at traffic lights at the end of the M67 when I was rammed from behind by a blind old man who was lost (he thought he was on the M61). It took him over 2 weeks to report the accident ( and accept liability), whereas I had reported it within 2 hours. Nothing came of it other than the fact I had to wait 2 weeks before his insurance company would agree to repairs at their expense. My subsequent insurance quote was 10% more expensive even though it was non-fault. Apparently if you have one accident the insurance companies have 'evidence' that you are more likely to have another. Total nonsense, but you try arguing the point!
Calm down, calm down data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7What is it it with this thread with people jumping to conclusions? data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7
Misread which car was which & was going on the OP's description of the other party driving over a verge! //static.avforums.com/styles/avf/smilies/facepalm.gif
Previous posts struck through.
I didn't think I was jumping to any conclusions. The title of the thread is ' Whose fault is this?'. If you are going to involve insurance the question is irrelevant as they will decide and pay the innocent party if there is one. Then both parties will pay more for insurance at renewal.
I stated I didn’t want to go through insurance before I was aware of how much the quote to fix her car was. If it was only going to be £100, like mine is, I would have been happy to try and sort things out without making any sort of claim. However the fact that she believes it was my wife’s fault and as a result wants me to pay her £672 means I’m happy to involve the insurance companies and let them sort it out.
As for the other statement, seeing as she is certainly now going to involve her insurance company, and seeing as I’m not a blind old man, I thought I should report it sooner rather than later. I realise that this may or may not impact my future insurance quotes with this company, but if I go to another one on renewal (which I usually do as I shop around for the best quote) I will certainly say I have not made a claim, because I haven’t.
It happens data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7Don't worry about it...
What I meant initially was that not everyone who threatens you by stating their car needs expensive repairs is being honest. Your neighbour may be fully aware she is equally responsible but may have thought you may see it otherwise and be willing to pay for her repairs. At this point I would have been tempted to tell her that if she felt that way and was confident she was welcome to go through her insurance, even give her my insurance details. It may well have called her bluff. ( Though as I stated I would have gone to my insurance company anyway as the alternative involves too much stress and hassle).
Insurance companies all share information so be careful if you do not declare the accident they now all know about.