Marksman1997 Posted November 10, 2015 Report Share Posted November 10, 2015 To start off this is nothing to do with the "speeding offence" topic. I will try and keep this short but on my way to work on a bad corner in heavy rain i was going a bit too fast to cause a slight skid tried to fix it but made it worse and put the tail out nicked the right hand side of the ditch and then went over the left side. Car was in bad shape as the left side had a good 8-10ft drop over it. I am worried that the police might do something or my insurance might go up. Police arrived on scene in 5 minutes breathalysed me asked name and address and told me to go home get warmed up and get a cup of tea. Seemed nice? What is likely to happen? Im really worried. Quote Link to comment Share on other sites More sharing options...
rimfire4969 Posted November 10, 2015 Report Share Posted November 10, 2015 Firstly I hope you are ok and not hurt or to badly shaken. I am guessing you are a young driver? I doubt the police will do anything as nobody else was hurt or involved, they will put it down to you driving too fast for the conditions but can't prove anything without a lot of work. Hopefully you will learn from your experience and drive suitably for the conditions in the future. But do expect a big increase in your insurance next year if you have to put a claim in. Quote Link to comment Share on other sites More sharing options...
Les*1066 Posted November 10, 2015 Report Share Posted November 10, 2015 You'll probably get a bill for towing the car to a pound, as well as storage charges. Other than that, probably nothing will happen Quote Link to comment Share on other sites More sharing options...
Breastman Posted November 10, 2015 Report Share Posted November 10, 2015 The police would've 'done something' there and then if they were going to. If you claim on your insurance your premium will go up, by how much depends on a lot of things, e.g. size of claim, whether you have protected no claims etc. If you don't claim on the insurance then you'll just get the towing/storage charges (these will be paid by your insurance if you do claim). Quote Link to comment Share on other sites More sharing options...
robbiep Posted November 10, 2015 Report Share Posted November 10, 2015 Police are highly unlikely to do anything about it. Insurance premium will almost certainly rise on renewal. Do note : you are obliged (it's in your insurance contract) to tell your insurance company about the accident, even if you don't claim. As the police are aware of the accident, it could lead to awkward questions being asked if you did not inform your insurance company about the accident, but the police did. (by 'awkward questions' I mean your insurance company scrapping your policy due to non-disclosure - which they view as attempted fraud -, and they then tell every other insurance company that you can't be trusted, meaning it's incredibly hard for you to get insurance with other companies). Quote Link to comment Share on other sites More sharing options...
Marksman1997 Posted November 10, 2015 Author Report Share Posted November 10, 2015 My mum and dad helped sort out my insurance and im not clued in with it at all. But im 3rd party insurance so knew insurance wouldn't help so am fixing it myself. My dad is a farmer and he knows the man which field i landed in and he helped lift it onto my dads trailer and is at our farm now. So no claim i don't think. I escaped with hardly a mark just scared the wits out of me and was shaking for a hour or two. Yes im 18 so a young driver. Wasn't really going over the speed limit but was going a bit too fast for the particular corner. By the time i realised it was a bit too late and skidded. Think i have definitely learnt from it. Have never been as scared. From what you guys have told me it has made me less worried. Thanks. Quote Link to comment Share on other sites More sharing options...
Twistedsanity Posted November 10, 2015 Report Share Posted November 10, 2015 (edited) I would expect a letter through the door threatening you with points if you don't pay them money to go on a driving course, you were going to fast so that will be driving without due care and attention or something similar, they rarely miss a chance. The Mrs came down a slip road onto a motorway and ended up facing the wrong way in the rain, the police examined the area, told her it was a simple accident and they could not see anyone or anything was at fault then week later decided it was her fault after all and forced her to pay for one of their courses, in fact I don't know of anyone over the last few years involved in any sort of accident or speeding that hasn't been threatened with points regardless of fault or blame ETA just noticed you are in Ireland so things may be different over there Edited November 10, 2015 by Twistedsanity Quote Link to comment Share on other sites More sharing options...
Guest rimotu66 Posted November 10, 2015 Report Share Posted November 10, 2015 Firstly pleased to read you are ok, don't worry about it all to much, we have all ditched a car or two in our younger days (I did one car and two motorcycles before my 20's). If all else fails, blame it on the badger that ran out in front of you Quote Link to comment Share on other sites More sharing options...
dabbers Posted November 10, 2015 Report Share Posted November 10, 2015 it was always a sheep for me,,till one day it was a fire engine,,,my fault,,i survived ,put it down to experience,, Quote Link to comment Share on other sites More sharing options...
arjimlad Posted November 10, 2015 Report Share Posted November 10, 2015 I did this when I was your age. No police action but I ended up handing over a student loan to my Dad to help with the costs of putting his car on a jig to straighten it out again. I learnt a lot about how to pay attention to the state of road surfaces ! Quote Link to comment Share on other sites More sharing options...
Marksman1997 Posted November 10, 2015 Author Report Share Posted November 10, 2015 (edited) I would expect a letter through the door threatening you with points if you don't pay them money to go on a driving course, you were going to fast so that will be driving without due care and attention or something similar, they rarely miss a chance. The Mrs came down a slip road onto a motorway and ended up facing the wrong way in the rain, the police examined the area, told her it was a simple accident and they could not see anyone or anything was at fault then week later decided it was her fault after all and forced her to pay for one of their courses, in fact I don't know of anyone over the last few years involved in any sort of accident or speeding that hasn't been threatened with points regardless of fault or blame ETA just noticed you are in Ireland so things may be different over there Would their courses be hard? Is it like a driving test that you can fail? I absolutely hated getting my driving test it was horrible would never want to have to do it again. Edited November 10, 2015 by Marksman1997 Quote Link to comment Share on other sites More sharing options...
Marksman1997 Posted November 10, 2015 Author Report Share Posted November 10, 2015 Firstly pleased to read you are ok, don't worry about it all to much, we have all ditched a car or two in our younger days (I did one car and two motorcycles before my 20's). If all else fails, blame it on the badger that ran out in front of you Was always look to get a motorbike. Sounds like a bad idea. Would love to blame it on the badger but somehow i don't think they would believe me. Quote Link to comment Share on other sites More sharing options...
Luckyshot Posted November 10, 2015 Report Share Posted November 10, 2015 You will get nothing at all (fact) coming from a man that has wrote off more car's than the average person will ever own. As your car is at home there will also be no charge (money wise) at all. Quote Link to comment Share on other sites More sharing options...
Marksman1997 Posted November 10, 2015 Author Report Share Posted November 10, 2015 You will get nothing at all (fact) coming from a man that has wrote off more car's than the average person will ever own. As your car is at home there will also be no charge (money wise) at all. That would be great! No course? Insurance surely a bit? Should you tell insurance? Quote Link to comment Share on other sites More sharing options...
robbiep Posted November 10, 2015 Report Share Posted November 10, 2015 That would be great! No course? Insurance surely a bit? Should you tell insurance? See my earlier post. Your contract with the insurance company says that you MUST tell them. If you don't, and if they happen to find out (police report, for example, if the police contact them to check your insurance status), then they will view it as attempted fraud. Quote Link to comment Share on other sites More sharing options...
LowStandards Posted November 10, 2015 Report Share Posted November 10, 2015 Have you seen his contract with the insurance company? No one was hurt, no one else was involved, you recovered the car yourself, I wouldn't tell them. Quote Link to comment Share on other sites More sharing options...
MrM Posted November 10, 2015 Report Share Posted November 10, 2015 (edited) See my earlier post. Your contract with the insurance company says that you MUST tell them. If you don't, and if they happen to find out (police report, for example, if the police contact them to check your insurance status), then they will view it as attempted fraud. You are right, but at what level do you need to tell your insurance company? If for instance I back my car into a wall at home, and damaged the bumper, but decided to repair it myself, presumably I wouldn't need to tell them? There must be a line somewhere where you do and where you don't have to? Edited November 10, 2015 by MrM Quote Link to comment Share on other sites More sharing options...
Marksman1997 Posted November 10, 2015 Author Report Share Posted November 10, 2015 some say tell them some say don't bother. probably read my insurance conditions and if it doesn't mention it. Then don't bother? If police contact me again should i ask them if i need to inform insurance? Ultimately will probably go with what the parents say. Quote Link to comment Share on other sites More sharing options...
Marksman1997 Posted November 10, 2015 Author Report Share Posted November 10, 2015 Also road had oil and diesel spilt on it a few days previous. So i think they would take that into consideration as they had a few police men out stopping traffic from using the road. Quote Link to comment Share on other sites More sharing options...
Gordon R Posted November 10, 2015 Report Share Posted November 10, 2015 (edited) Glad you are in one piece and have hopefully learned a lesson. Insurance will go up and you need to declare it. Fail to declare it at your peril - whatever your parents say. Bit ironic considering the "test for over 70 year olds" thread, a few weeks ago. You might escape the same treatment from PW members if you are lucky. Edited November 10, 2015 by Gordon R Quote Link to comment Share on other sites More sharing options...
MrM Posted November 10, 2015 Report Share Posted November 10, 2015 (edited) . Insurance will go up and you need to declare it. Fail to declare it at your peril - whatever your parents say. I think Gordon has it spot on - , under the rules you are obliged to declare it. If your insurance company finds out and you haven't told them, you run the risk of having your insurance cancelled. However I certainly would mention the oil/diesel and that the road had been closed earlier. Edited November 10, 2015 by MrM Quote Link to comment Share on other sites More sharing options...
Marksman1997 Posted November 10, 2015 Author Report Share Posted November 10, 2015 ok thanks for the advice. I think its best to tell them to be on the safe side. Quote Link to comment Share on other sites More sharing options...
Mike737 Posted November 10, 2015 Report Share Posted November 10, 2015 Sue the council for not cleaning up the spill correctly! Mike. Quote Link to comment Share on other sites More sharing options...
Davyo Posted November 10, 2015 Report Share Posted November 10, 2015 (edited) Mate you won't get a 'due care & attension ' if you did you would of been charged at the scene.Just learn from it,break before the bend not on it.Your ok that's all that matters,a car is easily fixed.It will actually make you a better driver so learn from your mistakes,we've all made them. Edited November 10, 2015 by Davyo Quote Link to comment Share on other sites More sharing options...
bazzab Posted November 11, 2015 Report Share Posted November 11, 2015 As Dayvo has said you won't get due care nonsense. Ignore all that. If they were going to take it further you would know. The police would've only attended to ensure firstly you were ok, then if there were any offences. There clearly weren't or you would've known. I deal with stuff like this everyday, from poloce point of view you'll be fine so ignore that nonsense. Quote Link to comment Share on other sites More sharing options...
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