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  #61  
Old 29.05.2015, 23:27
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Re: Public transport bus crashed into my car

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The time spent posting here after the first couple of helpful and comprehensive responses you received would have been better spent hassling the insurance company and the bus company.
But check the date/time of my postings. I first posted on 18/5 and 20/5 and only again on 27/5 - I wasn't here all day every day wasting my time and that of helpful posters as fortunately I myself have a life outside the forum, during which time I was dealing with this issue. Also, all of my posts are at around 11pm, hard to find insurers and transport company employees working at those hours...
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  #62  
Old 29.05.2015, 23:31
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Re: Public transport bus crashed into my car

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No need for that really was there?
I was taken aback by the hostility of four or five posters commenting on this thread. I don't really mind constructive criticism but I feel sorry for narrow-minded people that just want to make smart-ass comments to get validation from their buddies...
And yes, I agree that "vital" was the right word considering the context of a possible emergency involving a small baby.
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  #63  
Old 29.05.2015, 23:37
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Re: Public transport bus crashed into my car

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I remember our first car, it was an old banger but we loved it!! We were so sad when it finally saw it's last day. Nobody could understand why!
The thing was that we were so comfortable with it and it was practical.

I think that you had a nasty shock , and are quite rightly very bitter about the whole experiance.

I expect that the bus driver also is still in shock and quite likely she did dose off or perhaps has an underlying medical condition?

Nethertheless it has happened and unfortunately you have to deal with the consequences of someone else's actions.

If you do wish to persue this further , then a few points to consider in your arguement would be....

How many hours had the driver been driving for?
Was she ill on the day or night of the accident?
Has she any underlying medical conditions which could have caused the crash?
Maybe the company needs to review their policy on shift patterns, allowing their staff to work overtime etc?


I have two small children and I remember those first baby days. You have a constant fear of " if my baby is ill or if something happens how can I get medical help the fastest?" In other words it's vital to have access to a car.

I know that you've said that you cannot afford a new car, would it an option to put the money which you have received down as a down payment for a car and pay monthly by finance?

Life is very cruel at times, unfortunately sometimes we just have to suck it up and move on. I have been given this advice in the past and I've had to do so , it's both sad and unfair. I have learnt though that if I let myself get caught up in a negative situation too much, then it affects me in other areas aswell.

Can you afford to sue? Is it really worth the hassle? This would go on for months and cause you untold stress and then at the end of it you would perhaps have the money but is money really worth all of that stress?

What does your wife think? I expect she probably just wants to forget that it ever happened.
Hi there, thank you for taking the time to write all this, really appreciate it. As you can imagine, we have discussed these issues extensively at home after the accident, and also with friends and family... I was hoping to find someone who had had a similar experience here in the forum... I was surprised that many started judging us for wanting to pursue the issue further rather than settle for what the insurance company gives us when many of our friends' first question/comment was: "I hope you sue the transport company".
And yes you're right, many times we're thinking it's not worth the hassle and the stress, but we got in touch with the transport company nevertheless and they said that the bus driver was supposed to have produced some forms that we had to fill in together to report the incident to the company. She did not. The company then informed us that the bus that caused the accident was a sub-contractor and we had to get in touch with them. They then denied having received any notification from the police!
And yes, you're right again: the situation sucks but we just have to live with it even if unfair.
Last but not least, funny that you asked me what my wife thinks....I'm the wife!! (My husband would never write in a forum, he thinks it's a waste of time! )
So, takeaway from all of this is that anyone can destroy your car and not even call to say "sorry", and you just have to deal with the problem yourself and be glad that you had hired expensive insurance. Next step for us to increase the insurance premium of our house since we're on an airport plane path.... (just kidding).
Thanks again for taking the time to write.
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Old 29.05.2015, 23:44
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Re: Public transport bus crashed into my car

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Hi there, thank you for taking the time to write all this, really appreciate it. As you can imagine, we have discussed these issues extensively at home after the accident, and also with friends and family... I was hoping to find someone who had had a similar experience here in the forum... I was surprised that many started judging us for wanting to pursue the issue further rather than settle for what the insurance company gives us when many of our friends' first question/comment was: "I hope you sue the transport company".
And yes you're right, many times we're thinking it's not worth the hassle and the stress, but we got in touch with the transport company nevertheless and they said that the bus driver was supposed to have produced some forms that we had to fill in together to report the incident to the company. She did not. The company then informed us that the bus that caused the accident was a sub-contractor and we had to get in touch with them. They then denied having received any notification from the police!
And yes, you're right again: the situation sucks but we just have to live with it even if unfair.
Last but not least, funny that you asked me what my wife thinks....I'm the wife!! (My husband would never write in a forum, he thinks it's a waste of time! )
So, takeaway from all of this is that anyone can destroy your car and not even call to say "sorry", and you just have to deal with the problem yourself and be glad that you had hired expensive insurance. Next step for us to increase the insurance premium of our house since we're on an airport plane path.... (just kidding).
Thanks again for taking the time to write.
[princess rant on]
And what exactly would you like the Swiss legal system to do to defend your oh so damaged life?

Compensation perhaps to make up for your suffering? How much would you like?

I know - lets say your new car was 40k - and it is now worth say 15k - because after all you have had it for several years - so 25k.

Because here's the rub, the Swiss legal system doesn't do punitive damages, well, that's not true, it does, but to put it into perspective 25k is what you are likely to receive if you would have been raped - 8 TIMES!!

And if you doubt what I say - research it. On average the payout from the Swiss legal system for punitive damage for RAPE is 3,000chf.

I am fully aware that in some states in the US if you claimed damages you'd put down the new value of the car - but this is not the US, and if you were to take this to court it would be settled exactly the same way the insurance company has settled it.
[/princess rant off]
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  #65  
Old 30.05.2015, 14:02
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Re: Public transport bus crashed into my car

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So, takeaway from all of this is.... I don't have a clue how insurance works
FTFY

But really, I genuinely don't see why you find this unfair. Certainly be miffed it happened, but accidents do.... fact of life I'm afraid

The processes behind the scenes are largely irrelevant to you. Simply, you make the claim, the insurance pays up, and this money is then used to buy a replacement car. The insurance company will have a table of values for the make, model, year, condition, km's etc of you car and the settlement based on that, what you think it 's worth or it's new value is irrelevant. Meantime while the claims process is happening a hire car should have been provided by the insurer to keep you mobile until the cheque arrives. The effort for this is a couple phone calls, the time to complete the claim form, a trip to pick up a hire car (if it's not delivered), and a plod through auto-scout. So not sure that really qualifies as left to sort it out yourself or are vastly time consuming or difficult tasks.

You consulted a lawyer and they told you not to bother with legal action, so clearly the settlement is more than fair, and nothing to disadvantage you is going on or they would be all over it like a bad rash, so nothing to see there.

I don't think many are unsympathetic to the fact you are involved in a no fault claim.... it's just the rest.
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  #66  
Old 30.05.2015, 15:17
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Re: Public transport bus crashed into my car

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I was taken aback by the hostility of four or five posters commenting on this thread. I don't really mind constructive criticism but I feel sorry for narrow-minded people that just want to make smart-ass comments to get validation from their buddies...
And yes, I agree that "vital" was the right word considering the context of a possible emergency involving a small baby.
I read through the last page and can't see any hostility or narrow mindedness. I'm also in the camp who can't understand why you expect to receive a brand new car if your old one is written off. Your car wasn't brand new (as far as I understand) when it got totalled by the bus.
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  #67  
Old 30.05.2015, 23:55
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Re: Public transport bus crashed into my car

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---Quote (Originally by happyfeet)---
They then denied having received any notification from the police!
---End Quote---
Obviously the police communicate with either the subcontractor or the driver. Try logic once in a while.

---Quote---
So, takeaway from all of this is that anyone can destroy your car and not even call to say "sorry", and you just have to deal with the problem yourself and be glad that you had hired expensive insurance. Next step for us to increase the insurance premium of our house since we're on an airport plane path.... (just kidding).
Thanks again for taking the time to write.
---End Quote---
BS, the damage is covered by the subcontractors 3rd party liability insurance, not by any of yours.
***************.
"They" is the subcontractor. Try reading properly once in a while.

As our insurance explained: the "civil responsibility" part is covered by the 3rd party insurance, an x% bonus is paid by OUR insurance because our policy says so. Had we had the "full replacement value" clause in our policy OUR insurance would have covered the cost of the car bought new (and recovered only the "civil responsibility" part from the 3rd party).
Someone else around here said it: if you liked your car so much you should have paid a more expensive insurance. Damn right.
So, try informing yourself once in a while before saying "BS".

For that other soul that said that I didn't understand how insurance worked, maybe inform yourself as well and then explain it to this other user, seems both of you could use the information. (FTFY )
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  #68  
Old 30.05.2015, 23:58
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Re: Public transport bus crashed into my car

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I read through the last page and can't see any hostility or narrow mindedness. I'm also in the camp who can't understand why you expect to receive a brand new car if your old one is written off. Your car wasn't brand new (as far as I understand) when it got totalled by the bus.
Thank you, no worries, we actually found someone that went through a very similar situation and she pursued a different avenue, which we're looking into.

Last post, signing off! Thanks to everyone for taking the time to write: those who were kind and those who were rude alike.
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Old 31.05.2015, 10:05
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Re: Public transport bus crashed into my car

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Thank you, no worries, we actually found someone that went through a very similar situation and she pursued a different avenue, which we're looking into.

Last post, signing off! Thanks to everyone for taking the time to write: those who were kind and those who were rude alike.
Thank God for that
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Old 31.05.2015, 11:29
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Re: Public transport bus crashed into my car

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Thank God for that
Right, all those useful comments you provided throughout the thread...ah no wait, you only commented today only
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Old 31.05.2015, 21:50
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Re: Public transport bus crashed into my car

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Right, all those useful comments you provided throughout the thread...ah no wait, you only commented today only
What was there to comment about tiny brain ?

Your car got damaged, the insurance pays out, end of story, on no, we got 4 pages of crap to wade through
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  #72  
Old 01.06.2015, 13:03
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Re: Public transport bus crashed into my car

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What was there to comment about tiny brain ?

Your car got damaged, the insurance pays out, end of story, on no, we got 4 pages of crap to wade through
No one forced you to read through the four pages, sad little man.
Just stick to your Forum Legend pathetic life, apparently that's all you do.
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  #73  
Old 01.06.2015, 18:19
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Re: Public transport bus crashed into my car

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Last post, signing off!
May be best to stick to your word.
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  #74  
Old 01.06.2015, 18:40
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Re: Public transport bus crashed into my car

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we got 4 pages of crap to wade through
Damn, I only got two pages!

Tom
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  #75  
Old 01.06.2015, 18:43
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Re: Public transport bus crashed into my car

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