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Like you and muddy dwarf work for me involves knowing how to move heavy loads about for heri its teaching kids - dynamics of big loads are not always obvious !
Have you seen how fat kids are these days? And how they react when you try to take their chocs away?
depends on the policy wording - she will not be able to claim under the liabilities under her own policy as the liabilities are there for protection of third parties - she is not a third party.
If there is any personal accident benefit under the policy she may well be abel to claim under this for loss of use of limbs etc, although the payments arent likely to be very big and legally are not entitled to be paid until she is well again and full injury/recovery can be assessed, although you can ask for interim payments.
If you have liability insurance as a car mechanic she could be prob claim under this as it could be argued you were negligent in not telling her not to remove the choc, but Im assuming you don't or you wouldnt be here asking.
Can she claim under your car insurance - From a legal standpoint no, as the vehicle contributed to but didnt cause the accident, wasn't being driven at the time and was not catalyst that started the chain of events. However Ive seen some ridiculous claims made on car policies including someone falling out of a mobility scooter after 'driving' down a steep kerb because an ammbulance attending to someone had to park opposite a drop kerb.
Whatever you do do not go to a 'have you had an accident in the past three years' company they will sue you personally for as much as they can and give her very little (eg you get sued for £10,000, she'll get at most £2,500 the company will get at least £6k and the rest will go on court costs and 'fees'.
Dear STW
I ran my girlfriend over is there any way I can make some money too
Love
MTQG
Sorry didn't catch that ...weren't YOU driving the car? That would make things simpler.
Like you and muddy dwarf, work for me involves knowing how to move heavy loads about - dynamics of big loads are not always obvious !
Off at a tangent... I once saw somebody try and stop a rolling reel of paper with a mass of approx. 500kg by sticking his leg in front of it. It didn't work.
Back on topic... Get well soon Mrs MTQG.
Boxing Helena?
If you leave out the maintenance part of the story, then she didn't secure her own car with the handbrake (which then lead to the injuries).
I don't mean don't tell the ins co the full facts (fraud is a criminal offence), but this is the crux of how she came to be injured.
Hmmm a difficult one. Her car injured her. However she wasn't driving at the time.
Let us know how you get on but they may say they would only pay for any damage to the car as the keeper was negligent. Look through the T&C's first but it may say something along the lines or reasonable care etc.
ourmaninthenorth - MemberIf you leave out the maintenance part of the story, then she didn't secure her own car with the handbrake (which then lead to the injuries).
I don't mean don't tell the ins co the full facts (fraud is a criminal offence), but this is the crux of how she came to be injured.
This ^
But the crux of it is who parked the car. If MTQG parked the car before it rolled back AND he is covered 3rd party for driving other vehicles on his insurance, then that's where I'd be directing efforts.
Reminds me of a question I was discussing last week. Long night drive with my Dad and my brother a few years ago. Empty roads, cruise control on at 85pmh. Dad asks bro to tak the wheel for a sec while he rubs his eyes, takes a moment etc. then falls asleep. Roads are empty, bro figures Dad could probably do with resting his eyes for a minute or two. Ends up being more like 15!
Who's the driver?
Please tell me this is a joke? If not, quality story!!! Oh, and get well soon.....
You're describing third party insurance. Comprehensive insurance covers both the liability to compensate others for your negligence AND your own loss. A person claiming for their own losses on their comprehensive policy doesn't have an obligation to pay themselves (which, you're right, would be absurd) but the insurance company does have an obligation to pay them (if it's a valid claim).
Payments on comp insurance for your own injuries when you are at fault are tiny, and work in a completely different way - it is kind of scary and something to be aware of. See here: [url= http://www.accident-claim-expert.co.uk/car-accident/car-driver-injury-claims.html ]As a car driver - you are in control of a motor vehicle yourself. It is therefore possible that your negligence could have caused the road accident - if this is the case you will not be entitled to claim compensation for your own injuries from the other vehicle driver or from your own motor insurer.[/url] It is true that comp policies will pay out some money for you injuries as a personal accident claim, but this is peanuts in the great scheme of things.If you are fully comp and have an collision that is your own fault and get injured yo will still get compensation for those injuries
For example, If you cause an accident, Admiral pays you a maximum of £5k as a personal accident claim for total permanent disability - not much comfort if you can't work any more and need a full time carer for the rest of your life. If someone else had caused that accident, they (and therefore their insurers) are liable to pay whatever it takes to get you as close to your previous position as possible. Your claim could be £millions since they will be liable for loss of earnings, cost of carers, cost of buying you a new house with disabled access etc.
The amount at stake when determining liability for serious road accidents is terrifying.
Claiming against yourself on you insurance - just not a good idea. There's only one type of insurance for that - national insurance.
Find out how much your excess is - and gamble it on a horse. Under no account speak to your insurers, ever.
For example, If you cause an accident, Admiral pays you a maximum of £5k as a personal accident claim for total permanent disability - not much comfort if you can't work any more and need a full time carer for the rest of your life. If someone else had caused that accident, they (and therefore their insurers) are liable to pay whatever it takes to get you as close to your previous position as possible. Your claim could be £millions since they will be liable for loss of earnings, cost of carers, cost of buying you a new house with disabled access etc.
Wow thats worth bearing in mind. So if you lose control on a motorway, on a spirited drive on a B road (most men below a certain age) and the Police report that speed, driving to conditions may have been a factor then you could be facing a very poor/health future due to self-negligence..
Hmmm a difficult one. Her car injured her. However she wasn't driving at the time.
Kinda similar, @ my last job interview, my car rolled into another in the car park (I can't explain it, I'd sat in it for 10 minute pre the interview, and the handbrake was on when we inspected it), but the insurance paid out... is that not the same? (no driver)
(BTW I got the job due to the way I handled the situation)
z1ppy someone parking bumped it? OR is/was it an electronic handbrake?
Nope, 306 with std cable handbrake, and a raised level behind my parking space. I really can't explain it, as I lived on a hill, so the handbrake worked.
I did hold for the 5 years I worked there, that the whole logistic's office staff ran out and pushed it into the other car.
Lady wouldn't park near my car afterwards...
Like I say it got me the job though... I'm not complaining.
TandemJeremy - MemberIf you are fully comp and have an collision that is your own fault and get injured yo will still get compensation for those injuries
So why do they offer to tag "personal injury insurance" onto the policy for £50? Or is that just giving you the ability to claim for the ongoing costs (i.e. potentially millions) rather than small limits.
I'm going to have to look around to see if I can insure for my own stupidity although I have a feeling I won't be able to afford the premiums.
So many replies, so little hope.
I guess we'll have to check the small print on her car and house insurance then, although it's looking highly unlikely that she'll get anywhere near the sort of payment that she would if someone else had caused the injuries.
What exactly would the claim be for? It's not medical expenses, and both cars are fine. Perhaps some no win no fee money would be good to spend on general studies (don't step in front of moving vehicles) would be nice though.
although it's looking highly unlikely that she'll get anywhere near the sort of payment that she would if someone else had caused the injuries.
Surely this is exactly the point? Why on earth would she be entitled to any amount of money when it was her fault and hers alone?