M
Mickymoody
It probably differs depending on insurance company. I once had an odd crash, that was difficult to assess, then added spice.
I'm travelling down a dual carriageway, and a 4x4 is half blocking the 2nd lane, turning right against me, ie facing me, so I slow, and flash him to proceed, the lights are green for us both, no other traffic about. But he keep edging forward slowly. Then he is completely blocking my lane, so I slow to a standstill, and he makes his turn, I accelerate, then WHAM! get sideswiped from the right, the 4x4 is on my left WHAT?!
Turns out he was towing a car on a very long towrope, I'd gone through the rope, and the tow smacked into the side of me.
Now who is to blame? The 4x4 is insured, the towed car isn't. The owner, (a '60's comic/local celebritity - that I'd never heard of), took us back to his house to recover, and offered to pay a reasonable cash amount £400, for a £400 car at the time, as it was obviously a write off. The next day he came down to settle up, but my parents were there, and him being a celebrity of their era, were awe struck, and he changed his mind, and said go through insurance instead, as his 4x4 insurance would cover anything towed.
So a prolonged battle ensues, with lots of lies told on his behalf, disproved, and eventually, I got paid out £600 for a car that cost £400. Yippee!
But the twist in the tale is; the insurance wrote my car off, I worked at a college at the time, and stored my car on their carpark, and one day, my workmates saw my banana shaped car being towed away, by persons unknown, and didn't intervene, as they thought I knew something about this, so on my return, they told me - the car had been stolen for scrap - weighed in! So reported to police, that found it, minus the wheels, and interior. What a sad end to a loved car. But didn't claim again off insurance, how strange would that be?
But the real sad twist was this local celebrity's son, the car that was towed, went out on a bender one night, and smashed that car, killing himself and a friend, and his Father died shortly afterwards, probably due to the shock of losing his son. Karma and circumstance certainly came into effect that night, that I will never forget. A load of what ifs...
no hard feelings.
