There's just you and me. You run into the back of my car. I was reversing down a one way street (random example). I'm unscrupulous - I know, who'd think it - and am saying it is all your fault and that you drove into me. Prove it was my fault. (No other witnesses...)
Sure, but that doesn't always tell the whole story.
You're the only one who truly understands me...
If a car backs into you and you're standing still, then obviously it's not your fault. But if a car backs into you while you're driving forwards, then possibly you weren't taking due care and it's one for the lawyers to sort out depending on the precise circumstances. If a kid runs into you while you're driving your bicycle, again that's a situation you could (depending on the circumstances) have avoided, because if you failed to notice the kid was coming you possibly weren't taking due care.
I'd give you a red blobby and find a random post to groan. That'd show you and your unscrupulous ways.
Police are quite good at reading the clues and accident police get special training in that. This is why things like skidmarks get photographed.
The Po-Po is pretty well trained at determining that you can't drive for $hyte and that you backed up your Prius into the front of my beautiful, freshly waxed Cadillac.
I know this. I realise that we are talking hypothetical ifs and buts, but LiB asked for an example.
Not all accidents have skid marks. Not all accidents leave all the clues to provide the right answer.
At the end of the day, LiB is perfectly at liberty to do as he wishes with regards to insurance. He might go his whole life without some insurances, and at the end of a long and fulfilled life on his deathbed aged 110 with his 5 children, 20 grandchildren and 40 great-grandchildren around him say "you see, I never did need that damned Hausrat Versicherung or velo vignette - bunch of EFing pussies".
If so, I'll be happy for him and buy him a pint in whatever after-life there is.
But it is a bit like an old smoker saying: "You see, this whole lung cancer thing is a myth..." having survived a lifetime of smoking 20 a day. Hindight is always 20/20.
Me? I've a wife and children dependent on me, a house and a car. I can afford the insurance, and I'm keeping it right where it is.
Trust me, I don't have a Prius, so keep your Cadillac clear of my car...
Yeh but you get the fine since you were driving without a license
This is sooo me! How do you know me so well?
You seemed like the Prius type (runs and ducks for cover)
The likelihood of the police coming to an accident were nobody is injured it pretty much 0. In the UK anyway.
In Switzerland some old bat would have probably rang the Paulisse already, having witnessed the whole thing by gawping through their curtains! LOL.
Lib have you ever had an accident where you lost a lot of money due to an uninsured driver. Happened to my OH in UK, he was not a happy bunny.
House Insurance - quite agree with you, depending on circumstances.
I've been called a lot of things... but Prius driver? That was below the belt LiB.
Next time you see one of these, think of me...
Glad you're not a tree hugger...to me, anything under a V6 is a hybrid.
My wife was in an accident were she was reversing, saw a guy in her rear view mirror, so she stopped until he passed, but he smashed into the back of the car.
At the scene he said he was sorry he couldn't see because of the sun glare. On the insurance claim form he said she reversed into him.
Police refused to come because nobody was injured.
See! It happens.
So what was the outcome?
She was judged to be at fault in the end. We even got letter from claims4u type injury lawyers 6 months after everything was settled so he was a con artist in my opinion.
Even though the insurance had paid him for loss of earnings (was a filthy taxi driver)
And if you see the same car with the wheel on t'other side, think of us!
do you have the legal insurance to cover arguing this in court? because if it's a swiss person your fighting, he probably does and will make good use of it...
Rechtsschutzversicherung = legal protection insurance
We were flooded a couple of months after moving in and didn't quite have our insurance in place (doc not signed) and unfortunately boyfriend hadn't put pine bed together so the othopaedic matress got slightly wet.
Whilst the landlords/owners insurance paid out it was based on the pounds sterling cost minus the age of matress (???) so we only got CHF522 - the cost of a new Swiss matress CHF 1,200 and up....