I have unfortunately managed to crash the not so beloved Daewoo Kalos.
A combination of a greasy and road and what I admit was fairly bad driving on my behalf caused it to spin and hit a rather large rock. The front wing on the drivers side is now a mess and the underside of the car isn't looking particularly great either.
Off to the garage tomorrow for a proper inspection, hopefully it's nothing too serious.
Can anyone on here remember there first crash, if indeed they have had one, and what happened?
Yep, came up to a roundabout on a dual carriageway and someone rear-ended me, as I had just passed my test (only a few days earlier) I pulled over to the side off the road so other cars could get past and he drove off, needless to say I was not a happy bunny!
Now I stay where I am until I get their details and ALWAYS carry a pen and paper!!
Originally posted by b308: Now I stay where I am until I get their details and ALWAYS carry a pen and paper!!
---------------------------------------------- Another good tip is to always have a disposable camera in the glovebox to record where everyone was before vehicles get moved etc.
Originally posted by b308: Now I stay where I am until I get their details and ALWAYS carry a pen and paper!!
---------------------------------------------- Another good tip is to always have a disposable camera in the glovebox to record where everyone was before vehicles get moved etc.
Yes, good point - btw, do we ignore the third (irrelevent) post?
I have unfortunately managed to crash the not so beloved Daewoo Kalos.
Sorry to hear about the crash - I hope you or anyone else escaped unharmed. I cannot help but wonder though, didn't you raise a question about the Kalos going into oversteer after heavy understeer just the other day? Surely if you're pushing a car that hard, then one day your luck is going to run out?
A word of advice - if you can meet the cost of the repairs yourself without going through the insurance, even if it is as much as £1000, still pay for it. Otherwise when you come to renew your insurance it will go through the roof. They love to peanalise young drivers without reason, give them one and they'll take the mick.
If you pay for accident damage without notifying your insurance company, what happens on the insurance renewal when they ask if you've had an accident in the last 5 years regardless of fault? Do you tell the truth or lie?
As dishonest as it may be, I would keep it to myself if I had repaired the car(s) at my own expense. A few year ago, my Dad reversed his van into my Uncles car. He was quoted £800 to replace and spray the damaged panels so my Dad made a claim on his insurance policy. Despite having had many years of accident free driving, his insurance renewal increased to just over £800 from £300 in the previous year.
Along with this, being a commercial vehicle there was no protection available for his no claims bonus, so year after year he will now pay more for his insurance - and will have cost far more in the end than the £800 repair bill.
You could hardly put this incident down to reckless driving in the same sense of speeding either, it was a genuine accident where no-one was really to blame.
My first (and only) crash so far: End of the road where I lived: T-Junction onto main road Completely blind junction owing to Chrysler Voyager parked right on the junction. Pulled out turning right and was hit by a Peugeot 106 travelling along the main road. £400 damage to him, £800 damage to me. TPFT coverage paid for his damage and left me with an £800 hole in my pocket. I swear that if Peugeot guy had been able to control his car properly he could've nipped round the back of me. Also if Chrysler man hadn't parked where he did... Of course I shouldn't have pulled out in the first place
I have unfortunately managed to crash the not so beloved Daewoo Kalos.
Sorry to hear about the crash - I hope you or anyone else escaped unharmed. I cannot help but wonder though, didn't you raise a question about the Kalos going into oversteer after heavy understeer just the other day? Surely if you're pushing a car that hard, then one day your luck is going to run out?
A word of advice - if you can meet the cost of the repairs yourself without going through the insurance, even if it is as much as £1000, still pay for it. Otherwise when you come to renew your insurance it will go through the roof. They love to peanalise young drivers without reason, give them one and they'll take the mick.
I'm fine, only one in the car as well. As for the understeer/oversteer thing, that was on a large roundabout when it was quiet. Not that I'm aying I should be driving it like that on a public road.
I was driving fairly cautiously at the time of the crash, it was a country lane that I didn't "know" and in the dark. I've been up there today to look in the daylight and I think i must have clipped a muddy verge round a corner just before where i crashed, so I'm guessing the car was beginning to loose control before the full blown spin. Also, lifting off the throttle in a panic probably didn't help.
All in all I think I need to be more careful on lanes etc, maybe more careful just in general.
On the insurance side of things, I've already informed them of the accident, so too late for just taking it to a garage and paying up. Does being a named driver and not the policy holder make a difference at all?
To my knowledge it depends upon whether or not you actually make a claim. Since there is no one else involved you won't have to worry about other parties. In practice, insurance companies are only concerned with the accidents to which claims are attributed - everything else does not come into the 'commercial equation'.
E.g., my g/f rear-ended someone at about 5mph about 4 months ago. We informed our insurance straight away since the lady she hit rang us up to say she was claiming, (even though there was no visible damage etc). In the end she didn't claim, however in the meantime our insurance was renewed. The insurance company renewed the insurance policy on the basis of 0% no claims as technically there had been an accident. However, in two months time (and assuming this woman doesn't claim), there will technically be no claim as it will fall under the 6 month rule. We will then receive a reimbursement as if there was no accident, and our no claims will revert back to what it was before. At the end of the day, our insurance company knows of an accident but there was no claim, so they're not bothered in the slightest becuase commercially it wouldn't make sense since I could go elsewhere and legally say there was no claim.
Just remember that when you're on the phone with an insurance company, they usually ask you how many claims (not accidents) you have had.
My wife got rear-ended (!) by a van on her morning commute. She claimed off the other driver and everything was good. Car was repaired, courtesy car provided etc etc Come renewal time she has to declare that she has had an accident that wasn't her fault and a claim was successfully made against the other driver. Her premium is now higher even though she's still got 4 yrs no claims. We asked for a quote from a certain well-known insurance company that "only takes good drivers" (calm down dear) and were told that they couldn't quote as she'd been involved in an accident. I'm not going to complain about how stupid that is. I'm just saying that's how it works.
Originally posted by craigjm: Norwich Union refuse to quote me for the same reason Alfisti. Mind you just about everywhere is refusing to quote me after the year ive had lol !!!
