I was on the Green man Roundabout in Leyton, it has 3 lanes. I was in the middle lane and the other driver was in the inside lane, behind me, as we turned around the roundabout in the lanes, she must have just slightly drifted into my lane. It was such a slight impact that for a second I didn't even realise I was hit.
Let metell you now that direct line probably have the best administration and claimsservice of any of the insurers. That comes at a price because their premiumsare not cheap but you only discover that the claims service is good (for whatyou pay) when you have a claim which hopefully, you will never have.
Yourprevious claims (or rather, lack of,) is largely immaterial.
I canalso tell you that accidents on roundabouts are notoriously difficult to proveand if they are proved, to defend. You say that the woman drifted into yourlane and she is likely to say that you drifted into her lane and therefore Ithink the best that you could hope for would be that the claim is settled50-50.
Unfortunately,if this goes to court the matter would be decided on the balance ofprobabilities and whilst I accept that the witness may be lying through theirteeth and it seems absolutely incredible that they only discovered this personafter eight months.
Howevercontesting this is likely to cost between £5000 and £10,000 if it goes to courtand the judge finds in the other drivers favour simply because he prefers theirversion of events and believes the witness.
Mysuggestion (which you do not have to take) will be to write to direct line (donot try to deal with this on the telephone to tell them that you are aware ofhow difficult it is to defend accidents on roundabouts and that whilst you donot admit any liability, and you would prefer defend the matter to the hilt,you are prepared to agree 50-50 liability.
Iappreciate that this is not the answer you wanted but there is no point in memisleading you. I have a duty to advise you truthfully and honestly even ifthat answer is unfavourable.
Doesthat answer the question? Can I help further? Can I answer any specific points?
Please don't forget topositively rate my answer service even if it was not what you wanted to hear. Youshould now see a series of buttons which enable you to rate my answer serviceformally.If you don't rate it positively, then the site keep your deposit and I get 0for my time. It is imperative that you give my answer a positive rating. It doesn't give me, "a pat on the head", "good boy" (like ebay), it is mylivelihood!If in ratings you feel that you expected more or it only helped a little,please ask. The thread does remain open for me to answer follow-up questions after ratingmy answer service.
Ok thanks, I didn't even expect anything as positive as that answer so actually I am quite happy!Its made me feel like a criminal even though I am not! It just makes me so sad that people behave like this- I will try direct line as you suggest.
I amglad to help, although direct line will not continue to defend your innocence atall costs or necessarily accept 50-50 but I think that if they were asking methe question, that is what I would tell them to try to settle on and I would tell the claimants the same if I was acting for themPlease don't forget to positivelyrate my answer service If you don't rate it positively, then the site keep your deposit and I get 0for my time. It is imperative that you give my answer a positive rating.