Post-accident update [entries|reading|network|archive]
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Mon 2010-07-19 10:29
Post-accident update

When I bought a house a few years back, I was initially very scared of all the complicated and and arcane procedure that I'd heard was involved, and I wondered in particular how I (or anyone else without experience) could possibly get through it without getting something wrong. I found out (of course) that the answer is your solicitor: in addition to their nominal role of handling the legal aspects of property transfer, they also perform the vital secondary role of experienced guide: the person who understands the whole procedure, tells you what you need to do when, lets you know when you have to make decisions and expresses them in terms that make sense, and makes sure nothing gets left out.

After my car accident last week, I had a similar feeling of ‘help, this is surely all too complicated for me’, and was relieved to find out that in such situations your own insurance company performs a similar secondary role, even when they're confident it's going to be the other lot paying. At least, mine is doing that, and doing it very efficiently; rumour has it that some insurers will basically let you fend for yourself in the post-accident clearup process. So I'm currently in a good mood with Direct Line.

So DL arranged for a temporary hire car to be delivered to my office on Friday, and someone from a body shop showed up early this morning to pick up my own car for repair. (The chap who came out said it probably shouldn't take too long, but then actually looked at the dent and muttered ‘bloody hell’. So I'm not sure whether he stands by that estimate any more, but apparently they'll ring me at some point and let me know what the situation is.)

My neck is still a bit stiff, but the doctor reckoned it was nothing serious, and it's definitely feeling better than it was last week.

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[identity profile] kaberett.livejournal.comMon 2010-07-19 09:33
Good. x
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[identity profile] twigletzone.livejournal.comMon 2010-07-19 11:08
Churchill are great like that as well. There's some complicated claim process going on with some bloke I rear-ended at a roundabout trying to claim injury a year after the fact, and they're just dealing with it and not pestering me...
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[personal profile] gerald_duckMon 2010-07-19 13:19
Neck injury can be a tricksy thing. If you've been injured in an accident that was someone else's fault, make sure there's a paper trail now. If your doctor says it'll clear up in a few days, good, but I've known people be in a neck brace for a couple of months and those people have quite righly wanted a bit of compensation for it.

A friend familiar with road traffic accidents claims that the first thing anyone should say when getting out of the vehicle after an accident is "ow, my neck", simply because the severity of neck injuries can be hard to determine initially and it's good to stake your claim as soon as possible. I'm not sure I'd go quite that far.


I'm also glad Direct Line is sorting things out for you. I'm insured with Norwich UnionAviva, who are competitively priced and did at least sort my claim out for me eventually (it tool eleven months). To be fair, that was partly because the other party's insurer, Zurich, routinely dispute claims even when the person they've insured has reversed a lorry into a parked car leaving witnesses and photographic evidence.

Then again, on a previous occasion when I was a witness to an accident, Norwich Union pissed me off so much that I stopped co-operating with them, even though their driver had been in the right: they got someone to phone me who had no map of the accident scene, a speech impediment and quite a poor grasp of how roundabouts worked.
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[identity profile] jvvw.livejournal.comMon 2010-07-19 16:43
I actually moved to Direct Line last time I renewed my insurance because they were so much more helpful than my insurer at the time when somebody insured with them knocked my car in the car park at work.
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