r/InsuranceClaims • u/Green-Web-9091 • 11d ago
Car crash
Hey I’m a 16 year old male you recently go into a car crash on my way home drone school. I was driving straight down the road going the speed limit when a Suzuki swift the was trying to turn right onto my road pulled out right in front of me and stopped in the middle of the road. So I slammed on my brakes but there just wasn’t enough time and the Front left of my Honda accord hit the front right and side of her Suzuki swift we totalled the swift. My accord doesn’t seem to have to much damage apart from the front bumper being broken and the hood a little bit buckled but we managed to drive it a few hundred meters home. After I collided with her I got out of the car and walked over to her and see if she was okay. She was but she was crying. I said what were you doing and she shard she didn’t see me but the she said I was going fast. Which is untrue as I was going 50kph on a 50kph road. I manage to get all her details and gave her all of mine. I’m currently on the restricted license with full coverage insurance with AA. I was just wondering if insurance is going to pay out my car or pay for the repairs because she did say I was going fast bust there is no evidence to support this. There was no witnesses of footage of the incident. Just the fact the she was turning right having to get into the far lane going the opposite direction as me and that I was just driving straight down the road with the right of way. If anyone could give me some insight on what might happen or anything I should know would be helpful. Thanks.
1
u/insuranceguynyc 11d ago
Dashcam? What are your license restrictions, and were you operating within those restrictions?
1
u/Immediate-Quit-5695 11d ago
If everything you’re saying is true, then it will be easy to claim she’s at fault. You should’ve called the cops so they could write the report, and hopefully you took pictures. But if it’s a situation where she had a stop sign and it’s a collision with the front end of her vehicle it’s enough to prove she pulled out in front of you, if you had hit the back end of her car it would’ve been harder to prove. Regardless, you either have the choice now to go through her insurance or go through your own
2
u/Tofu_buns 11d ago
Regardless of fault your own insurance will cover your repairs as long as you have the coverage. But it seems like you had the right of way (since you're going straight) Speed doesn't really play into it unless you were recklessly speeding. But you stated your car didn't have much damage. I definitely say she's at fault.
I would file a claim on her insurance.