Uk's

Discussion and technical advice the SW20 MR2. 3S-GTE, 3S-GE, 3S-FE etc
Anything and everything to do with maintenance, modifications and electrical is in here for the Mk2.

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Kelvin

Re: Uk's

Post by Kelvin »

I'm not having a go here, or trying to pi55 on your chips, just letting you have some facts that will/might effect your claim. I've experience of this. My first MR2 was written off. I was stationary, on an unposted limit road (NSL) with sidelights on, and someone drove in tot he front of me. Ended up as a 50/50 due to the fact i just had sidelights on (it was midday). Trust me, I investigated this thoroughly.

We're agreed that the sidelights are the lights situated in the bumper? we're agreed that the dipped/main lights are the pop up flappy air dams in the bonnet? I will mention that the MK1b's do pop the headlights when sidelights are selected (1 click of the switch).

Right, it doesn't matter what car it is, if it's an MR2, a Jaguar, a Noble or whatever. The law, as stated in Butterworths Police Law, is that a car showing front facing lights in use, must be at least dipped headlights on a road of 30mph or more. That means 2 clicks of every car I've ever driven's headlight switch. On an MR2, that means the lights pop up.

It is a legal requirement that cars have sidelights as well as dipped/main beam headlights. No getting away from that and their physical being there and correct working (as in lighting up) is enough to pass the MOT, as is correct alignment. It is then the responsibility of the driver to use them in the correct function/way on the public highway. In the case of a road with 60mph or more, that's dipped headlights. it's just unfortunate that the van driver may mention that you had your sidelights on. he probably won't make the connections, but there's a good chance someone in the insurance office may. They're like that.....

If you want to PM me, I'll explain some more, no problem, but my copy of Butterworths is at work along with all the Traffic Cops.

kelvin
Kelvin

Re: Uk's

Post by Kelvin »

sidelights is a generic term for a low powered light source. Go to any other car, click once on the headlight switch and you'll get a dim light, normally approx 5Watt from the headlight. that's on cars without seperate sidelights (generic term) such as those in the MR2 bumper.

Fair enough, if you don't want to take the advice of someone who's been through this, no problem, I'll return the stash of helpfull paperwork to the shelf.

Fully understand you're upset, but there you go.

Good luck.

Kelvin

EDIT:

i seem to have replyed to a post that has just dissappered.
stevenb
Posts: 3243
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Re: Uk's

Post by stevenb »

fingers crossed.
Last edited by stevenb on Sat Oct 08, 2005 7:58 pm, edited 1 time in total.
Kelvin

Re: Uk's

Post by Kelvin »

Completely understand. I was just letting you know that that is what I see the other insurance company hitting on.

Unfortunately, it's law. Bit of a bu55er, but there you go.
Icsunonove
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Re: Uk's

Post by Icsunonove »

stevenb wrote:
I shall let the insurance company deal with it.

I'm stressing to them the fact I want my car repaired too...not written off. the car is quite rare being a Sherwood Toning.
So I have my fingers crossed.


Steven,

Sorry to be the bearer of (potentially) bad news, but once it is established that it wasn't your fault, your insurance company may not be interested because you were insured 3rd party. When I had my accident (I was with Directline at the time) there were interested until the other party admitted blame (because it might have cost them some money). Once this was established it was simply me on my own up against their insurance company.

It was only when I wrote to them recorded delivery explaining that I was going to hire a car because I needed one (I was living in Sheffield and working in Bradford - 104 mile round trip) that they started to talk turkey and settled the claim (because it was going to cost them more money if they didn't settle).

How much would it cost simply to get it fixed mechanically (ignoring the cosmetics)? If you do this at least you will be mobile until they settle one way or another.

You will probably find that they will undervalue the car, but then again they will probably also undervalue the buy back value.

Take it to Toyota and get a quote. Then take it to your local friendly bodyshop and get another quote (to keep to yourself of course).

Best of luck, hate to hear stories like this. Tom
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Lauren
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Re: Uk's

Post by Lauren »

Kelvin wrote:You've missed my point. Was it just your sidelights (as in, in the front bumper) or were the main headlights (retractable air damn/mpg wreckers) popped up?

If the main headlights weren't popped up and illuminated, you were not showing enough legal front facing light on a road with a speed limit above or including 30mph. If you'd had no lights on, fine, but if you did have lights on, the dipped beam would have been the minimum legal requirement. That's according to at least the last 2 Butterworths Police Law editions.

Insurance companies will find the slightest thing to change a claim on.


On MK1a's with sidelights on the main headlamps do not pop up, unlike on the MK1b.
Raf
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Re: Uk's

Post by Raf »

Steven sorry to hear about your unfortunate incident. i had a similar thing happen to me and i reckon if you stick to your guns you will be ok.

I was driving to Liverpool airport and there is a dual carriageway just before it. A woman pulled out infront of me; i swerved just missing her and mounted the central reservation. My car was lowered and i damaged the underside, alloy and cracked the corner of the front bumper. I was told (by these no win no fee blokes) that because i did not hit her i cannot claim off her. She admitted fault at the scene but later decided that i was travelling too fast. Basically i won as she was moving into the flow of traffic and should have given way. i couldnt get a car at first because if the claim goes part in her favour, i would have to cough up the % towards the hire!

I would also suggest you take note of kelvins advice (i cannot confirm what he is saying but he does seem to be in the know). Insurance companies will look for any loophole to not pay out. BUt apart from that i am confident that you will win. Dont accept any offers of part fault!

with regards to you steering wheel; does the car drive straight or does it pull/wobble/shake etc? im not a mechanic but i would get your track rod end checked & your tracking. Im not sure if the MK1's have wishbones but i would check to see if its slighlty bent. It doesnt seem to be alot wrong with the steering but you would be best getting it checked before you drive it just to make sure and peace of mind type thing!

sorry for long post but i reckon you'll be okay..... [-o< [-o< .

chin up fella!
stevenb
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Location: Dunstable

Re: Uk's

Post by stevenb »

look/give way.
Last edited by stevenb on Sat Oct 08, 2005 7:58 pm, edited 1 time in total.
pistol supercharged pete

Re: Uk's

Post by pistol supercharged pete »

really sorry to here that matey i was going to work in my missus bm that night and it was wet and the amount of stupid people on the road in the wet is unbelivable
hope all goes well
pete
stevenb
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Location: Dunstable

Re: Uk's

Post by stevenb »

things easy.
Last edited by stevenb on Sat Oct 08, 2005 7:59 pm, edited 1 time in total.
nikaso

Re: Uk's

Post by nikaso »

Raf wrote:Steven sorry to hear about your unfortunate incident. i had a similar thing happen to me and i reckon if you stick to your guns you will be ok.

I was driving to Liverpool airport and there is a dual carriageway just before it. A woman pulled out infront of me; i swerved just missing her and mounted the central reservation. My car was lowered and i damaged the underside, alloy and cracked the corner of the front bumper. I was told (by these no win no fee blokes) that because i did not hit her i cannot claim off her. She admitted fault at the scene but later decided that i was travelling too fast. Basically i won as she was moving into the flow of traffic and should have given way. i couldnt get a car at first because if the claim goes part in her favour, i would have to cough up the % towards the hire!

I would also suggest you take note of kelvins advice (i cannot confirm what he is saying but he does seem to be in the know). Insurance companies will look for any loophole to not pay out. BUt apart from that i am confident that you will win. Dont accept any offers of part fault!

with regards to you steering wheel; does the car drive straight or does it pull/wobble/shake etc? im not a mechanic but i would get your track rod end checked & your tracking. Im not sure if the MK1's have wishbones but i would check to see if its slighlty bent. It doesnt seem to be alot wrong with the steering but you would be best getting it checked before you drive it just to make sure and peace of mind type thing!

sorry for long post but i reckon you'll be okay..... [-o< [-o< .

chin up fella!


Some insurance bloke told me once that in that situation its often better to ram them, makes the claim easier to process! Crazy world :oops:
stevenb
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Location: Dunstable

Re: Uk's

Post by stevenb »

other way. [-o<
Last edited by stevenb on Sat Oct 08, 2005 8:00 pm, edited 1 time in total.
murf
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Re: Uk's

Post by murf »

really sorry to hear about all this hassle, i hope you get it sorted!
theres not enough sherwoods about as it is without yours being written off!

on the plus side, if they do write it off i need:
radio bracket
rear mudflaps
sunroof blind
..............................



:lol:
stevenb
Posts: 3243
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Location: Dunstable

Re: Uk's

Post by stevenb »

question. :wink:
Last edited by stevenb on Sat Oct 08, 2005 8:00 pm, edited 1 time in total.
stevenb
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Re: Uk's

Post by stevenb »

Ilike now..... :( :twisted:
Last edited by stevenb on Sat Oct 08, 2005 8:00 pm, edited 1 time in total.
Icsunonove
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Re: Uk's

Post by Icsunonove »

Steven,

That doesn't look too bad. I am sure it will mend as long as you haven't damaged the suspension mounting points (doubt it)

Why don't you just mend it mechanically until you sort out the claim?
I really would get it checked out and fixed before driving it again. If the trackrod end fails and you have another accident you won't have a leg to stand on.
stevenb
Posts: 3243
Joined: Sat Mar 19, 2005 6:36 pm
Location: Dunstable

Re: Uk's

Post by stevenb »

[replaces it.
Last edited by stevenb on Sat Oct 08, 2005 8:00 pm, edited 1 time in total.
vashy
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Location: Bristol

Re: Uk's

Post by vashy »

Just read all this thread. Sounds horrible.

Insurance companies don't like to attribute 100% blame to one party - I think it's much easier for them to just split it. So, keep at it, stick to your guns.
This is from a friend who had an accident on his bike, which was entirely the car driver's fault - it took ages to get an 100% fault and claim off the other insurance but he did it in the end.
BenF
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Re: Uk's

Post by BenF »

Steve - just seen this post, really sorry to hear about the accident :(

I've just sent you a PM, but I think you might be able to do a deal with the Van Driver's company as it looks like he pulled out without seeing you.

Hope you can get the car sorted - from the pics, it looks like you need a front bumper, wing, and a bit of filler and spraying further along the car to get it back to A1 condition - yours really does look a very nice example ...
stevenb
Posts: 3243
Joined: Sat Mar 19, 2005 6:36 pm
Location: Dunstable

Re: Uk's

Post by stevenb »

another..... 8)
Last edited by stevenb on Sat Oct 08, 2005 8:01 pm, edited 1 time in total.
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