Right,
I had a crash last Sunday and heres how it happened (in my opinion)
I was driving up a main road within the speed limit.
The car in front was a reasonable distance in front of me.
The car in front pulls over as if to stop.
I go to overtake the car.
As I approach to overtake it pulls out to make a u-turn.
I slam the brakes and hit the car in the drivers side rear wheel area.
Damage to my car is front end body work damage. Bonnet is buckled, paint damage, reg plate broke, and the bar were the air intake starts is bent a bit.
Damage to the other car was side body work damage and the rear driver side wheel had buckled in at the top.
My car still drives fine as it did before the crash, just looks a mess. The other car had to be lifted.
Now, I did not see any indication from the other car that it was going to pull out yet he was adamant he did. I have a witness to say he didn't.
Also, surely he should have checked his mirror to make sure it was safe to pull out?
And I remember him saying he was making a right turn into another road. But I thought a day or so after it happened that if you make a right turn, you don't pull over to the left to pull out, and he was past the right turn junction.
We exchanged details, no injuries caused, and we went on our ways. I reported it to my insurance and its in their hands to decide who's at fault.
Now I'm worried about losing my no claims of 2 years which I've worked hard for. Theres no point me claiming for repairs on my insurance as my excess is too high. If they decide split liability then I don't think it'll make a difference with my high excess.
What are your opinions on the incident? Can my no claims be saved? If it can't then the Lex may have to go.
How much do you think it would be to repair from my back pocket? I think someones parnter on here is a traffic cop as they gave me advice on someting else, so their help would be great.
I've put some pics of the damage to my car up.
TOP VIEW 1
TOP VIEW 2
SIDE VIEW
BONNET CLOSE UP
TOP VIEW 3
BONNET CLOSE UP 2
FULL FRONT