MINI2

JHorwitz · Dec 11th, 2006, 03:08 PM

was driving home from work on friday night, and i was driving at 30 mph (roughly) on a single laned road. Cut a long story short i swerved out of the way of what appeared to be a large pothole in the road, this caused me to lose control of the car, it spun 180 degrees and shunted parralel against the curb causing the passenger side airbag to go off. Anyways, i am severly bruised along my whole side and now havea bill from BMW of 2700 to fork out. Now either i claim on my insurance and lose my 4Y NCB or pay out. A very sad James

sel · Dec 11th, 2006, 03:11 PM

gutted for you....take care and i hope you and your car are on the mend soon

Take care x

minicabrio · Dec 11th, 2006, 03:22 PM

Hope you get it fixed soon.... glad you're okay!

Must have been a bad surface for the MINI to spin so easily!

Mister · Dec 11th, 2006, 04:27 PM

You poor dear! I'm glad to hear that you came out of it with just bad bruises because it sounds like it could have been much worse. I'm thinking the road must have been slick for your car to spin out of control like that.

Paul · Dec 11th, 2006, 06:01 PM

Not sure if it would make any difference but it may be worth investigating the scene. A huge pothole and a surface to make you spin at that speed sounds like there may be a situation where you can claim against the council (or highways agency, or someone?!)?

CC07ERS · Dec 11th, 2006, 06:22 PM

your still breathin £2700 will a small price to pay for your life

James · Dec 11th, 2006, 06:25 PM

I would think you are almost definately entitiled to compensation if it was the state of the road that caused your crash, you should phone claims direct or one of those companies on TV. You might get money for repairs plus damages for yourself, its worth a try?

JHorwitz · Dec 11th, 2006, 06:27 PM

ill give that a go thanks for all your kind words of support

Scrogg · Dec 11th, 2006, 06:28 PM

Putting aside the ifs, buts and maybes for a moment, and my sensible head on for a change, it seems to me that the maths is really quite simple.

Look at how much your insurance will go up by if you claim, and times by four. This will give you the worst-case-scenario figure of what it will cost you to go through your insurance (it will actually be less than this, as the figure will reduce every year from now on that you remain claim-free) and if this figure is less than £2,700 do it that way. If it isn't, don't.

JHorwitz · Dec 16th, 2006, 12:48 AM

car is now getting fixed and been loaned a vauxhall corsa, not impressed lol! after driving a mini for the last six months, i just cant get used to how awful this corsa is to drive, driving positioning, interior quality, major rattling, and its brand new!

Lawrothegreat · Dec 16th, 2006, 05:32 PM

Sorry to hear of this. Hope the bruises aren't too bad. I would have thought 4 years worth of discounts + increase from accident is worth less than £2700? If you pay for the damage outside of the insurance, could this cost increase if further damage is discovered when it's being repaired? good luck

Dec 11th, 2006, 03:08 PM	#1
JHorwitz MINI2 Regular Join Date: Jun 2006 Local Time: 02:06 AM Posts: 265 Offline	was in an accident :( was driving home from work on friday night, and i was driving at 30 mph (roughly) on a single laned road. Cut a long story short i swerved out of the way of what appeared to be a large pothole in the road, this caused me to lose control of the car, it spun 180 degrees and shunted parralel against the curb causing the passenger side airbag to go off. Anyways, i am severly bruised along my whole side and now havea bill from BMW of 2700 to fork out. Now either i claim on my insurance and lose my 4Y NCB or pay out. A very sad James

Dec 11th, 2006, 03:11 PM	#2 (permalink)
sel bye bye MINI hello 206 Join Date: May 2006 Location: Bodmin/Cornwall Local Time: 02:06 AM Posts: 4,304 Offline	gutted for you....take care and i hope you and your car are on the mend soon Take care x Log on to www.newminikernow.co.uk and check out what's happening in Cornwall

Dec 11th, 2006, 06:01 PM	#5 (permalink)
Paul Trained Monkey My Classifieds Join Date: Jan 2001 Location: Bedfordshire Local Time: 02:06 AM Posts: 40,356 Offline	Not sure if it would make any difference but it may be worth investigating the scene. A huge pothole and a surface to make you spin at that speed sounds like there may be a situation where you can claim against the council (or highways agency, or someone?!)? Our trials and tribulations living in a "bleeding edge" eco house... Oxley Woods Living

Dec 11th, 2006, 06:28 PM	#9 (permalink)
Scrogg Home Alone Join Date: Jul 2006 Location: Gloucester Local Time: 02:06 AM Posts: 16,600 Offline	Putting aside the ifs, buts and maybes for a moment, and my sensible head on for a change, it seems to me that the maths is really quite simple. Look at how much your insurance will go up by if you claim, and times by four. This will give you the worst-case-scenario figure of what it will cost you to go through your insurance (it will actually be less than this, as the figure will reduce every year from now on that you remain claim-free) and if this figure is less than £2,700 do it that way. If it isn't, don't. 27

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Dec 11th, 2006, 03:22 PM	#3 (permalink)
minicabrio Sing-a-long MINIer Join Date: Jan 2004 Location: Hampshire Local Time: 02:06 AM Posts: 16,000 Offline	Hope you get it fixed soon.... glad you're okay! Must have been a bad surface for the MINI to spin so easily!

Dec 11th, 2006, 04:27 PM	#4 (permalink)
Mister Uranus is composed of gas My Classifieds Join Date: Aug 2004 Location: Ghettoville, CA Local Time: 06:06 PM Posts: 3,267 Offline	You poor dear! I'm glad to hear that you came out of it with just bad bruises because it sounds like it could have been much worse. I'm thinking the road must have been slick for your car to spin out of control like that.

Dec 11th, 2006, 06:22 PM	#6 (permalink)
CC07ERS TYPE R GT VTEC POWERED My Classifieds Join Date: Jun 2006 Location: Type R GT Local Time: 02:06 AM Posts: 2,718 Offline	your still breathin £2700 will a small price to pay for your life

Dec 11th, 2006, 06:25 PM	#7 (permalink)
James MINI2 Master Join Date: Jul 2006 Location: Essex Local Time: 02:06 AM Posts: 1,002 Offline	I would think you are almost definately entitiled to compensation if it was the state of the road that caused your crash, you should phone claims direct or one of those companies on TV. You might get money for repairs plus damages for yourself, its worth a try?

Dec 11th, 2006, 06:27 PM	#8 (permalink)
JHorwitz MINI2 Regular Join Date: Jun 2006 Local Time: 02:06 AM Posts: 265 Offline	ill give that a go thanks for all your kind words of support

Dec 16th, 2006, 12:48 AM	#10 (permalink)
JHorwitz MINI2 Regular Join Date: Jun 2006 Local Time: 02:06 AM Posts: 265 Offline	car is now getting fixed and been loaned a vauxhall corsa, not impressed lol! after driving a mini for the last six months, i just cant get used to how awful this corsa is to drive, driving positioning, interior quality, major rattling, and its brand new!

Dec 16th, 2006, 05:32 PM	#11 (permalink)
Lawrothegreat Mini Design Philosopher Join Date: May 2004 Location: Berkshire, UK Local Time: 02:06 AM Posts: 832 Offline	Sorry to hear of this. Hope the bruises aren't too bad. I would have thought 4 years worth of discounts + increase from accident is worth less than £2700? If you pay for the damage outside of the insurance, could this cost increase if further damage is discovered when it's being repaired? good luck

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