Foreign Lorry Drivers !!!! - GT-R Register - Official Nissan Skyline and GTR Owners Club forum

David A · 23rd July 2012, 09:04 PM

Was travelling at 38mph in right hand lane off dual carriageway,8am this morning,road very busy,when a left hand drive articulated lorry,driven by a slovakian decided to come over into my lane,luckily i was in my p38 rangerover and not my r35,dented and scraped rear wing ,rear door and rear wheel,also plastic mouldings.The driver conveniently could not speak english,so i called for the police who were very helpful in getting his details for me,Now im in a dilema whether to claim through insurance because i have multi car with Admiral which includes the r35.Even if i do recieve money to repair damage ive been told by a 'few' that my insurance will be loaded next renewal!!Cost to repair is approx £400,would 'you' make a claim or shell out? Bloody insurers have you always !!!

andyg · 23rd July 2012, 09:06 PM

pay the £400 quid no brainer,

SamboGrove · 23rd July 2012, 09:12 PM

I'm with Andy. £400 quid ain't a lot in the grand scheme of things vs unknown cost of insurance getting loaded for however many years.

CT17 · 23rd July 2012, 09:47 PM

I agree.
Sucks, but that's life.

RichF-R35 · 23rd July 2012, 09:53 PM

This has happened to me, but why do you get penalised when it's not your fault?

Rich

Rarche2002 · 23rd July 2012, 10:10 PM

Quote:

Originally Posted by David A

Was travelling at 38mph in right hand lane off dual carriageway,8am this morning,road very busy,when a left hand drive articulated lorry,driven by a slovakian decided to come over into my lane,luckily i was in my p38 rangerover and not my r35,dented and scraped rear wing ,rear door and rear wheel,also plastic mouldings.The driver conveniently could not speak english,so i called for the police who were very helpful in getting his details for me,Now im in a dilema whether to claim through insurance because i have multi car with Admiral which includes the r35.Even if i do recieve money to repair damage ive been told by a 'few' that my insurance will be loaded next renewal!!Cost to repair is approx £400,would 'you' make a claim or shell out? Bloody insurers have you always !!!

Why pay for insurance if you have to pay for dammage anyways??!?!? I hate insurance

CT17 · 23rd July 2012, 10:10 PM

Because insurance companies don't like to lose in the long term.

bones · 23rd July 2012, 10:12 PM

No fault claims are not counted, so there should be no extra cost.

Thrust · 24th July 2012, 06:47 AM

I have always tried to pay these. Can't remember when I actually last claimed. Still my premiums go up. They get you going and they get you coming. How far do you have to bend over for them? Grrr....

Agree with Rarche2002. I hate insurance companies.

mickv · 24th July 2012, 06:56 AM

I would claim. It's his insurance that should be meeting the cost of the claim so should not affect your premium. If your insurer ends up paying because they can't recover from the lorry drivers policy then it would still be unreasonable to rate your premium for a no fault claim.

CT17 · 24th July 2012, 07:18 AM

What happens quite often is liablilty is disputed. The lorry driver may claim you clipped his vehicle to his employer.
Do you have a good independent witness or (even better) a driver recorder with video footage?

This means the claim is not settled on a non fault basis by the time your renewal comes round and then your premium goes up because you have a claim pending that's recorded on the computer.

If the other party is eventually found liable you don't get any money back.

I have about 100 company vehicles on a fleet policy and insurance does my head in!
Even though I get more involced in claims and have more info on the way it works that joe public, you still come to the conclusion that you get shafted.
Last year my premium went up 10k because of "pending claim" for 50k, 42k of which is for hire of a motorbike to replace one that was valued at £500. We are fighting it in court. The guy never even fell off the bike!
But it's still a pending claim and it's still put my premium up.

AnEvoGuy · 24th July 2012, 07:20 AM

Don't claim! Insurance companies will always ask if you had an accident in the last 3 or 5 years. Who was at fault doesn't matter!

You will pay more in premiums by year 2, maybe even year 1.

Take it on the chin and move on...

jaycabs · 24th July 2012, 07:32 AM

a woman wrote of my previous car and at complete fault to her and was told by both insurance companies that it wouldnt effect me and when my renewal came up i was "NOT" effected buy it.

AnEvoGuy · 24th July 2012, 09:34 AM

A renewal seems (from personal experience) to not increase. What happens in the year after??

Try getting a quote online, you have to declare the accident and you will be charged more as statistically you are a greater risk of having further accidents.

B27il · 24th July 2012, 12:37 PM

It would be better if You have a nice insurance guy to answer this
IMO its not your fault

23rd July 2012, 09:04 PM	#1 (permalink)
David A David A is unaware they can edit their status GTR Register User Join Date: Feb 2010 Location: rochford, essex Posts: 54	Foreign Lorry Drivers !!!! Was travelling at 38mph in right hand lane off dual carriageway,8am this morning,road very busy,when a left hand drive articulated lorry,driven by a slovakian decided to come over into my lane,luckily i was in my p38 rangerover and not my r35,dented and scraped rear wing ,rear door and rear wheel,also plastic mouldings.The driver conveniently could not speak english,so i called for the police who were very helpful in getting his details for me,Now im in a dilema whether to claim through insurance because i have multi car with Admiral which includes the r35.Even if i do recieve money to repair damage ive been told by a 'few' that my insurance will be loaded next renewal!!Cost to repair is approx £400,would 'you' make a claim or shell out? Bloody insurers have you always !!! __________________

23rd July 2012, 09:06 PM	#2 (permalink)
andyg andyg is unaware they can edit their status GTROC Member Join Date: Apr 2012 Location: midlands Cars owned: R35 Posts: 375	pay the £400 quid no brainer, __________________

23rd July 2012, 09:12 PM	#3 (permalink)
SamboGrove SamboGrove is probably in need of new brakes :( GTROC Member Join Date: Jun 2010 Location: Newcastle Cars owned: R35 GTR 2010 Black Ed Posts: 1,844	I'm with Andy. £400 quid ain't a lot in the grand scheme of things vs unknown cost of insurance getting loaded for however many years. __________________

23rd July 2012, 09:47 PM	#4 (permalink)
CT17 CT17 is owed money by Valet Magic, who damaged the paint on his GT-R. Executive GTR Owners Club Member Join Date: Mar 2011 Location: Essex Cars owned: A GT-R... and some others. Posts: 3,398	I agree. Sucks, but that's life. __________________

23rd July 2012, 09:53 PM	#5 (permalink)
RichF-R35 RichF-R35 is unaware they can edit their status GTR Register User Join Date: Jun 2012 Location: Sudbury, Suffolk Posts: 163	This has happened to me, but why do you get penalised when it's not your fault? Rich __________________

23rd July 2012, 10:10 PM	#7 (permalink)
CT17 CT17 is owed money by Valet Magic, who damaged the paint on his GT-R. Executive GTR Owners Club Member Join Date: Mar 2011 Location: Essex Cars owned: A GT-R... and some others. Posts: 3,398	Because insurance companies don't like to lose in the long term. __________________

23rd July 2012, 10:12 PM	#8 (permalink)
bones bones is driving with the SCD Executive GTR Owners Club Member Join Date: Jun 2012 Location: Nr Bury Posts: 508	No fault claims are not counted, so there should be no extra cost. __________________

24th July 2012, 06:47 AM	#9 (permalink)
Thrust Thrust is testing out the new ETC box in the ZE-1 Executive GTR Owners Club Member Join Date: Jun 2004 Location: Japan Cars owned: Tom's AristoV300, BNR 34, BCNR 33, Forester CrossSports Posts: 4,921	I have always tried to pay these. Can't remember when I actually last claimed. Still my premiums go up. They get you going and they get you coming. How far do you have to bend over for them? Grrr.... Agree with Rarche2002. I hate insurance companies. __________________ All play and no work makes Jack a right berk. Spider Godwin Action Group for the Ban against Skirts to be Lifted

24th July 2012, 06:56 AM	#10 (permalink)
mickv mickv is back on Bridgies for summer GTROC Member Join Date: May 2009 Location: Leeds Cars owned: R35 DMG Premium Posts: 668	I would claim. It's his insurance that should be meeting the cost of the claim so should not affect your premium. If your insurer ends up paying because they can't recover from the lorry drivers policy then it would still be unreasonable to rate your premium for a no fault claim. __________________

24th July 2012, 07:18 AM	#11 (permalink)
CT17 CT17 is owed money by Valet Magic, who damaged the paint on his GT-R. Executive GTR Owners Club Member Join Date: Mar 2011 Location: Essex Cars owned: A GT-R... and some others. Posts: 3,398	What happens quite often is liablilty is disputed. The lorry driver may claim you clipped his vehicle to his employer. Do you have a good independent witness or (even better) a driver recorder with video footage? This means the claim is not settled on a non fault basis by the time your renewal comes round and then your premium goes up because you have a claim pending that's recorded on the computer. If the other party is eventually found liable you don't get any money back. I have about 100 company vehicles on a fleet policy and insurance does my head in! Even though I get more involced in claims and have more info on the way it works that joe public, you still come to the conclusion that you get shafted. Last year my premium went up 10k because of "pending claim" for 50k, 42k of which is for hire of a motorbike to replace one that was valued at £500. We are fighting it in court. The guy never even fell off the bike! But it's still a pending claim and it's still put my premium up. __________________

24th July 2012, 07:20 AM	#12 (permalink)
AnEvoGuy AnEvoGuy is unaware they can edit their status GTR Register User Join Date: Aug 2011 Posts: 19	Don't claim! Insurance companies will always ask if you had an accident in the last 3 or 5 years. Who was at fault doesn't matter! You will pay more in premiums by year 2, maybe even year 1. Take it on the chin and move on... __________________

24th July 2012, 07:32 AM	#13 (permalink)
jaycabs jaycabs is skint for a long time :-#( New Users Join Date: Nov 2007 Location: in a cage !! Cars owned: R32 GTR Posts: 2,336	a woman wrote of my previous car and at complete fault to her and was told by both insurance companies that it wouldnt effect me and when my renewal came up i was "NOT" effected buy it. __________________

24th July 2012, 09:34 AM	#14 (permalink)
AnEvoGuy AnEvoGuy is unaware they can edit their status GTR Register User Join Date: Aug 2011 Posts: 19	A renewal seems (from personal experience) to not increase. What happens in the year after?? Try getting a quote online, you have to declare the accident and you will be charged more as statistically you are a greater risk of having further accidents. __________________

24th July 2012, 12:37 PM	#15 (permalink)
B27il B27il is Loving my TrackPack edition when everybody seems not GTR Register User Join Date: Oct 2011 Posts: 58	It would be better if You have a nice insurance guy to answer this IMO its not your fault __________________

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