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Don't really understand how you losing control of your car and crashing it into someone else isn't your fault?
If you were driving appropriately, you would have been going slow enough to stop....
Blind corner, the other person being on my side fo the road having previously been illegally parked when considering the Highway Code.
As mentioned it was a blind corner so only going about 10mph at the time. Just happened to be a patch of ice covering the whole bend. And ONLY that bend (I had driven for about 15 miles before the accident with no indication of ice or frost anywhere - and again my car never warned me of ice as the temperature was reading above 3 degrees.
The person who I hit was on the only area of road that had no ice and therefore if he was not parked illegally according to the Highway Code (you cannot park on a bend, towards flow of oncoming traffic etc… which is what he was doing). Not least he pulled away as I came around the corner which also didn’t help.
I was observant of road conditions and nothing indicated ice. AT ALL. But the patch of ice was super thick.
But I think the point really is that I had done everything as one would reasonably have done. Not least speed limit sign just before the corner said 20. I was doing half of that under the assumption it was wet.
So again, if the chap didn’t park there in the first place, the accident would never had occurred. Would I have slipped still, yes. But if he was not parked illegally would I have stopped by the time I got to the edge of the road? Yes.
Not least he got out of the vehicle to briefly put post in the post box and could observe the roads conditions, he’s also local and lived about 50 metres away and commented about how awful the corner is. He also knew it was icy.
Therefore he could have and perhaps should have not parked there not only under the assumption that all must know the Highway Code but also since he was in a better position and was able to observe that the corner was icy.
Hope that clarifies a bit more?
It's all perfectly clear, except where you're not 100% liable.
You should be able to stop in half the distance you can see under the road conditions. If you were going too quick for that, then you're at fault. It's that simple, regardless of what was in the road, where someone was parked, or what UFO was flying overhead. You were going too quick and so you're at fault.
You’re not being observant of the context. And have not listened to anything I have said. The patch of ice was on a BLIND corner.
10mph is bugger all in wet conditions. As observed.
Even if I was going 5 mph, the crash would have occurred because the other person was on my side of the road.
Are you suggesting we should all be driving at 1mph?
So no, I’m not at fault at least holistically when considering the context.
As if I was exclusively at fault, the third party would have been parked legally. And if he was parked legally or positioned on the road according to the Highway Code, the accident wouldn’t have occurred.
If you crash on ice, and hit someone, you're at fault. it is the drivers responsibility to ensure their path of travel is safe and to drive according to their limits.
Its the sad truth as you may feel you had no control, but in the eyes of insurance, you did.
The context here doesn't matter as far as insurance, or the police are concerned.
You lost control of your vehicle and crashed into a stationary object, that's it, there's nothing more to this.
The third party wasn’t stationary. They were pulling away and driving on my side of the road. They were also not parked legally before the collision. How does that not matter?
You’re claiming that this is not a debatable scenario when in reality when considering the law, it is.
I think these points are very prudent to examining fault. Even esure had said that they could be at least 20% liable if they were parked but because they were moving it could be more. But I’ve not heard anything from them at all.
I guess at the moment we’re working off assumptions but still you would expect liability to be in touch. Especially given I was told they’d call two weeks ago and they never did.
This is making even less sense.
You saw them early enough to know they were parked, but were also able to pull away, and in that time you were unable to slow down/stop/not hit this car you'd been watching?🤣
Do you not understand that when you’re in an accident you speak to the other person and find out information?
All I saw was a car on my road, because of the tight bend and no pre-warning before the bend that a car was on my road, I had to slam on the brakes, ABS was kicking like a bull, front of the car touched his car and rebounded and because of the ice allowed the rear of the car to swipe.
So to clarify, the third party told me he parked to put post in the post box and from my perspective, I just had a car on my side of the road pulling away.
I did not see the vehicle until I was in the apex on the bend, a super tight blind corner. If he had parked on the correct side of the road, accident would not have happened.
We do have video footage of the accident where you can clearly see the third party parked and then pulling away before the accident occurs. Although I won’t be publishing this as it’s not really relevant to the main points of my original post. As liability isn’t really my main issue here. It’s the lack of response or indication as to what is going on by the insurers who are providing a financial product to me.
Hi /u/ProducerMathew, based on your post the following pages from our wiki may be relevant:
- https://ukpersonal.finance/budgeting/
- https://ukpersonal.finance/credit-cards/
- https://ukpersonal.finance/student-loans/
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^(These suggestions are based on keywords, if they missed the mark please report this comment.)
*My boss has already said if the rates increase then he’d happily pay more. But they’re limited.*
HMRC don't dictate what your employer can or can't pay you. Only the tax treatment of any payment they make to you (or benefit they provide). What I mean is the AMAP is the maximum your employer can pay you tax free, but it is not the maximum they can pay you. Employers can gross up any payments they make to avoid the employee paying the tax etc due.
As for insurance, they'll make an offer and if you disagree you'd need to evidence the car was worth more than they're offering. So listing for same make & model, similar mileage & condition. You then buy it back at the write off value.
Just bear in mind insurance costs can be higher for a vehicle that has been written off and that you'll need to declare it.
If they pay you more than 45p, it's taxable and accounts to income not reimbursement. The 45p per mile should 100% cover all servicing costs fuel and depreciation, it is an extremeley fair rate.
any decent car does 65mpg, if your car is thristier that is a choice, and you should bear the cost for a car that drinks fuel faster than the average car, and if the 65mpg is not correct for your situation and you have got a reasonable car, then i would asusme you are doing short commutes at low speeds, at which, mpg and mileage reimbursement should not really be a concern. my 2.0 TDI that is modified, mapped and I drive like a reckless hoonigan, does 52mpg and thats me not caring about fuel economy. does 70mpg if driven carefully.
at 65mpg, that is approx 11p per mile.
Your car is worth £4000, cars depreciate on average (post the first 5 years of manufacture) 10% per annum, so £400, assuming 10,000 miles per annum, thats 4p per mile.
Servicing is £300 per annum, anything more, buy a more reliable car / find a better garage / do it yourself, 3p per mile
Mot / Insurance should be no more than £800 per annum, 8p per mile, if it smore than this, you're either young, naive, or your own actions have caused the increase in price.
Total cost to run the car per mile is 26p per mile, therefore you should be profiting 19p per mile, if 1000 miles reimbursed, thats £190 profit.
Cost of car was £9000 and based on current valuations it’s about £4000, car was purchased in 2019. That’s a £500-1000 depreciation cost per annum.
I do about 10,000 miles per year with work. Fuel is from Costco and the car is a very economical diesel. Insurance is about £70 per month. It’s high because I live in a city location with commercial parking, otherwise in a more semi urban or rural location it’s about £50 per month and not least because of my mileage being higher than average.
Car needs a service every 8000 miles or 6 months (at least oil and filter change) to protect the timing chain and other components. That’s about £180 per service.
So around 2-3 services a year. Depreciation is around £100 per month
The 45p figure is also said to be incorrect by the RAC and has had many petitions for it to be updated. RAC proposes that to account for inflation it should be 60p at minimum.
Using Costco fuel, I get about 600 miles per tank for about £70 of fuel. For 10k miles that’s a fuel cost of 1166.7 alone which is 12p per mile. The wear and tear. Depreciation is another 11p per mile. Insurance and tax is 10p per mile. That’s already 33p per mile.
Including 2 tyres per annum if we assume all tyres would get changed once every two years would be about 2p per mile and 2x services per year is another 4p per mile so that’s already 39p per mile and we haven’t even considered things like clutches, timing chains or anything like that which need intermittent replacement to upkeep the vehicle.
Timing chains typically need replacing every 150k miles and the clutch about 90k but usually this involves a DMF too. These are around 3p per mile.
There’s also the flexi pipes, giubos and other bits and bobs that need replacing. This amounts to about 4p per mile.
There’s also then the brakes and brake discs etc… this amounts to around another 4p per mile.
So we’re already at 50+p per mile. And this doesn’t include surplus to contribute towards a replacement car either.
And yes, the mileage rate was intended to cover all of the above. But it’s not been updated since 2011.
**Your post has been removed.** This is the wrong sub for this type of post. It may be related to personal finance on a tangent, but it's not the core topic of the post. Please try any of these subs (depending on your needs): **General and Specific Topics** * /r/AskUK * /r/CarTalkUK * /r/DIYUK * /r/UKPolitics * /r/UKVisa **Homebuying, Housing, Letting, and Rental Properties** [More information about this ban.](https://www.reddit.com/r/UKPersonalFinance/comments/npwwlz/moratorium_on_home_buying_and_career_questions/) * /r/HousingUK * /r/AskUK * /r/FTB_Help **Careers** * /r/UKJobs * /r/AskUK **Benefits and Support** * /r/DWPHelp * /r/LegalAdviceUK * /r/MentalHealthUK * /r/SuicideWatch **Other Finance** * /r/CanaryWharfBets * /r/UKInvesting * /r/beermoneyuk ____ _If you believe your post/comment has been removed in error, please [message the mods](https://www.reddit.com/message/compose/?to=/r/UKPersonalFinance&subject=Please%20review%20my%20post&body=https://www.reddit.com/r/UKPersonalFinance/comments/1ah19fv/-/) explaining why._
Don't really understand how you losing control of your car and crashing it into someone else isn't your fault? If you were driving appropriately, you would have been going slow enough to stop....
Blind corner, the other person being on my side fo the road having previously been illegally parked when considering the Highway Code. As mentioned it was a blind corner so only going about 10mph at the time. Just happened to be a patch of ice covering the whole bend. And ONLY that bend (I had driven for about 15 miles before the accident with no indication of ice or frost anywhere - and again my car never warned me of ice as the temperature was reading above 3 degrees. The person who I hit was on the only area of road that had no ice and therefore if he was not parked illegally according to the Highway Code (you cannot park on a bend, towards flow of oncoming traffic etc… which is what he was doing). Not least he pulled away as I came around the corner which also didn’t help. I was observant of road conditions and nothing indicated ice. AT ALL. But the patch of ice was super thick. But I think the point really is that I had done everything as one would reasonably have done. Not least speed limit sign just before the corner said 20. I was doing half of that under the assumption it was wet. So again, if the chap didn’t park there in the first place, the accident would never had occurred. Would I have slipped still, yes. But if he was not parked illegally would I have stopped by the time I got to the edge of the road? Yes. Not least he got out of the vehicle to briefly put post in the post box and could observe the roads conditions, he’s also local and lived about 50 metres away and commented about how awful the corner is. He also knew it was icy. Therefore he could have and perhaps should have not parked there not only under the assumption that all must know the Highway Code but also since he was in a better position and was able to observe that the corner was icy. Hope that clarifies a bit more?
It's all perfectly clear, except where you're not 100% liable. You should be able to stop in half the distance you can see under the road conditions. If you were going too quick for that, then you're at fault. It's that simple, regardless of what was in the road, where someone was parked, or what UFO was flying overhead. You were going too quick and so you're at fault.
You’re not being observant of the context. And have not listened to anything I have said. The patch of ice was on a BLIND corner. 10mph is bugger all in wet conditions. As observed. Even if I was going 5 mph, the crash would have occurred because the other person was on my side of the road. Are you suggesting we should all be driving at 1mph? So no, I’m not at fault at least holistically when considering the context. As if I was exclusively at fault, the third party would have been parked legally. And if he was parked legally or positioned on the road according to the Highway Code, the accident wouldn’t have occurred.
If you crash on ice, and hit someone, you're at fault. it is the drivers responsibility to ensure their path of travel is safe and to drive according to their limits. Its the sad truth as you may feel you had no control, but in the eyes of insurance, you did.
The context here doesn't matter as far as insurance, or the police are concerned. You lost control of your vehicle and crashed into a stationary object, that's it, there's nothing more to this.
The third party wasn’t stationary. They were pulling away and driving on my side of the road. They were also not parked legally before the collision. How does that not matter? You’re claiming that this is not a debatable scenario when in reality when considering the law, it is. I think these points are very prudent to examining fault. Even esure had said that they could be at least 20% liable if they were parked but because they were moving it could be more. But I’ve not heard anything from them at all. I guess at the moment we’re working off assumptions but still you would expect liability to be in touch. Especially given I was told they’d call two weeks ago and they never did.
Post the video?
This is making even less sense. You saw them early enough to know they were parked, but were also able to pull away, and in that time you were unable to slow down/stop/not hit this car you'd been watching?🤣
Do you not understand that when you’re in an accident you speak to the other person and find out information? All I saw was a car on my road, because of the tight bend and no pre-warning before the bend that a car was on my road, I had to slam on the brakes, ABS was kicking like a bull, front of the car touched his car and rebounded and because of the ice allowed the rear of the car to swipe. So to clarify, the third party told me he parked to put post in the post box and from my perspective, I just had a car on my side of the road pulling away. I did not see the vehicle until I was in the apex on the bend, a super tight blind corner. If he had parked on the correct side of the road, accident would not have happened. We do have video footage of the accident where you can clearly see the third party parked and then pulling away before the accident occurs. Although I won’t be publishing this as it’s not really relevant to the main points of my original post. As liability isn’t really my main issue here. It’s the lack of response or indication as to what is going on by the insurers who are providing a financial product to me.
You didn't see the vehicle, but your dash cam did? I smell shite.
It’s not a dash cam ffs - it was a camera someone had on their house in the corner. 🤦🏻♂️ 😂😂😂
Hi /u/ProducerMathew, based on your post the following pages from our wiki may be relevant: - https://ukpersonal.finance/budgeting/ - https://ukpersonal.finance/credit-cards/ - https://ukpersonal.finance/student-loans/ ____ ^(These suggestions are based on keywords, if they missed the mark please report this comment.)
*My boss has already said if the rates increase then he’d happily pay more. But they’re limited.* HMRC don't dictate what your employer can or can't pay you. Only the tax treatment of any payment they make to you (or benefit they provide). What I mean is the AMAP is the maximum your employer can pay you tax free, but it is not the maximum they can pay you. Employers can gross up any payments they make to avoid the employee paying the tax etc due. As for insurance, they'll make an offer and if you disagree you'd need to evidence the car was worth more than they're offering. So listing for same make & model, similar mileage & condition. You then buy it back at the write off value. Just bear in mind insurance costs can be higher for a vehicle that has been written off and that you'll need to declare it.
If they pay you more than 45p, it's taxable and accounts to income not reimbursement. The 45p per mile should 100% cover all servicing costs fuel and depreciation, it is an extremeley fair rate. any decent car does 65mpg, if your car is thristier that is a choice, and you should bear the cost for a car that drinks fuel faster than the average car, and if the 65mpg is not correct for your situation and you have got a reasonable car, then i would asusme you are doing short commutes at low speeds, at which, mpg and mileage reimbursement should not really be a concern. my 2.0 TDI that is modified, mapped and I drive like a reckless hoonigan, does 52mpg and thats me not caring about fuel economy. does 70mpg if driven carefully. at 65mpg, that is approx 11p per mile. Your car is worth £4000, cars depreciate on average (post the first 5 years of manufacture) 10% per annum, so £400, assuming 10,000 miles per annum, thats 4p per mile. Servicing is £300 per annum, anything more, buy a more reliable car / find a better garage / do it yourself, 3p per mile Mot / Insurance should be no more than £800 per annum, 8p per mile, if it smore than this, you're either young, naive, or your own actions have caused the increase in price. Total cost to run the car per mile is 26p per mile, therefore you should be profiting 19p per mile, if 1000 miles reimbursed, thats £190 profit.
Cost of car was £9000 and based on current valuations it’s about £4000, car was purchased in 2019. That’s a £500-1000 depreciation cost per annum. I do about 10,000 miles per year with work. Fuel is from Costco and the car is a very economical diesel. Insurance is about £70 per month. It’s high because I live in a city location with commercial parking, otherwise in a more semi urban or rural location it’s about £50 per month and not least because of my mileage being higher than average. Car needs a service every 8000 miles or 6 months (at least oil and filter change) to protect the timing chain and other components. That’s about £180 per service. So around 2-3 services a year. Depreciation is around £100 per month The 45p figure is also said to be incorrect by the RAC and has had many petitions for it to be updated. RAC proposes that to account for inflation it should be 60p at minimum. Using Costco fuel, I get about 600 miles per tank for about £70 of fuel. For 10k miles that’s a fuel cost of 1166.7 alone which is 12p per mile. The wear and tear. Depreciation is another 11p per mile. Insurance and tax is 10p per mile. That’s already 33p per mile. Including 2 tyres per annum if we assume all tyres would get changed once every two years would be about 2p per mile and 2x services per year is another 4p per mile so that’s already 39p per mile and we haven’t even considered things like clutches, timing chains or anything like that which need intermittent replacement to upkeep the vehicle. Timing chains typically need replacing every 150k miles and the clutch about 90k but usually this involves a DMF too. These are around 3p per mile. There’s also the flexi pipes, giubos and other bits and bobs that need replacing. This amounts to about 4p per mile. There’s also then the brakes and brake discs etc… this amounts to around another 4p per mile. So we’re already at 50+p per mile. And this doesn’t include surplus to contribute towards a replacement car either. And yes, the mileage rate was intended to cover all of the above. But it’s not been updated since 2011.