Lazy-Ferret
Well-known member
- Joined
- Jun 14, 2012
- Messages
- 5,217
To me he is no better than a Drunk or Drug driver. He knowingly drove at high speed with total disregard to both his family and other road users knowing he was not up to the task.
Not only that, but one of the first things your insurance TOC's says, is you are never to admit responsibility for an accident, so technically he invalidated his insurance the moment he said that.
What people do not realise is the knock on effect of their stupidity. For example, people like us, like our cars to be "Special", we add things, and tweak things to make them better, or more geared up for us. Those things are not covered by insurance. For example, the man hours that went into making the rear door shelf, fitting the roof vent, adding the extra lights and all the associated wiring, adding electrical outlets, adding all the bits associated to the extra battery, upgrading the suspension... the list goes on and on. When the insurance company look at our vehicles, they see a bulk standard car only worth the low end of the Parkers guide, and that is all they are going to pay out.
Then there is the case of the caravan, not only do all the things above apply, but when the woman hit our caravan, we did not have the money to replace it straight away, and the insurance company took over a year to pay out. That lost us many holidays, as we use our van practically every other weekend. It turns out, things like the food in the van is not covered, even though it was mostly all ruined. What insurance companies also do not take into account, is things like say, a favourite jumper, is worth what ever you paid for it, to you, because that is what it will cost to replace it, if you can, but to the insurgence company, it will be worth less than half. Things you do not have receipts for are worth even less, so the bargain you picked up on Ebay, that will never be repeated, are all lost completely.
As far as I am concerned, "Sorry" is just a word, and he will never be able to prove if he is really sorry or not, and to be honest, I doubt he will be, as he luckily did not loose much from this accident, especially compared to what the innocent caravanner lost.
Not only that, but one of the first things your insurance TOC's says, is you are never to admit responsibility for an accident, so technically he invalidated his insurance the moment he said that.
What people do not realise is the knock on effect of their stupidity. For example, people like us, like our cars to be "Special", we add things, and tweak things to make them better, or more geared up for us. Those things are not covered by insurance. For example, the man hours that went into making the rear door shelf, fitting the roof vent, adding the extra lights and all the associated wiring, adding electrical outlets, adding all the bits associated to the extra battery, upgrading the suspension... the list goes on and on. When the insurance company look at our vehicles, they see a bulk standard car only worth the low end of the Parkers guide, and that is all they are going to pay out.
Then there is the case of the caravan, not only do all the things above apply, but when the woman hit our caravan, we did not have the money to replace it straight away, and the insurance company took over a year to pay out. That lost us many holidays, as we use our van practically every other weekend. It turns out, things like the food in the van is not covered, even though it was mostly all ruined. What insurance companies also do not take into account, is things like say, a favourite jumper, is worth what ever you paid for it, to you, because that is what it will cost to replace it, if you can, but to the insurgence company, it will be worth less than half. Things you do not have receipts for are worth even less, so the bargain you picked up on Ebay, that will never be repeated, are all lost completely.
As far as I am concerned, "Sorry" is just a word, and he will never be able to prove if he is really sorry or not, and to be honest, I doubt he will be, as he luckily did not loose much from this accident, especially compared to what the innocent caravanner lost.
