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  #41  
Old 04.07.2011, 17:51
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Re: Accident in a hire car

Must say we often comment on poor signalling and lane control at roundabouts. As said, they are fairly recent here- and the average Swiss has not yet got used to using them properly.
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  #42  
Old 04.07.2011, 18:13
economisto
 
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Re: Accident in a hire car

Just to say that I am currently dealing with an accident in my hire car. Alamo, Audi A3 2.0T, smashed driver's side door mirror, booked through holidayautos.co.uk (owned by lastminute.com) 1500chf excess, paid 14GBP for excess insurance which is a separate insurance which should cover the excess after I've paid. The checkout woman told me the garage would be in contact with me in the next week with an estimate so we'll see how it goes.
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  #43  
Old 04.07.2011, 18:15
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Re: Accident in a hire car

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Was this at the roundabouts by the Maladière? Offhand they are the only two-lane roundabouts I can think of in Neuchâtel. They must be a prime location for this kind of accident - they are way too small for the volume of traffic they have to carry, they are too tight to really be able to support two lanes (in fact they were originally only one lane, the second one was added when the authorities realised that people were treating them as though there were two lanes anyway), and a lot of motorists don't respect the destination lane markings painted on the road.
It sure was that roundabout (at the harbour). I was heading into Neuchatel from Monruz area and was on the left hand side lane, the woman was on the right hand side lane. I was going straight on, she was going to the harbour on the left. If really was the minor of bumps, but still looks likely to cost me 1200.
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  #44  
Old 04.07.2011, 18:19
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Re: Accident in a hire car

I used to hire cars all the time as I had to come and help my elderly parents every couple of months from the UK. I used to us Holiday autos too, and take the extra excess insurance just in case. I had a puncture once and used the spare wheel for the last 2 days, and declared the puncture when I got back to Geneva. They charged my 200CHF!!! (it was a small puncture and just needed a repair, not replacement). Small print confirmed tyres and wheels are not covered. So if ever you have a puncture- get it repaired at the local garage for 40CHF and keep stumm.

Another time I got to Geneva on a late flight. Checked the car carefully in poor light and drove off. Parked the car below the studio a friend used to lend me. In the morning, looked out of window and saw that the roof of the car was all dimpled- which I couldn't have seen in the garage at GVA airport (I'm 5'3). Drove to a nearby garage and the chap there said it was clearly hail damage- but bizarre that the bonnet was not affected. Great weather for 2 weeks - no hail in sight or even rain. Took car back and straightaway they said 'look at the roof- it is cribbled with hail damage! Than will cost you a pretty packet!' I took them on and said it was clearly there at the time I took the car, that it couldn't have happened during my time of rental'. Big smiles from the 2 guys 'ah, but you didn't spot it did you, blablabla'. They were clearly laughing and I had to cough up- can't remember the exact sum, but it was several 100s. It was clear they were going to pull that stunt over and over again. I took it up with management- to no avail, then in the end WHICH magazine took it on and got my money back. These cases have nothing to do with your case - but it just shows they will try it on- and most of the time, get away with it. Fight them.
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  #45  
Old 04.07.2011, 18:22
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Re: Accident in a hire car

In North America, these accidents are no issue at all. If you paid for coverage, you're set to go....thankfully, I've never had an accident or had to make use of my insurance policy. However, I've had several friends who certainly were thankful that they purchased the policy. This one guy rented a brand spanking new car (less than 5miles!!) and managed to wreck it within 45min...and he wasn't charged anything for it. Must be a European thing to charge people, even though you've paid for insurance.
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  #46  
Old 04.07.2011, 18:22
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Re: Accident in a hire car

Should the liability insurance not cover you for damage while driving someone else's car?
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  #47  
Old 04.07.2011, 18:25
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Re: Accident in a hire car

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It sure was that roundabout (at the harbour). I was heading into Neuchatel from Monruz area and was on the left hand side lane, the woman was on the right hand side lane. I was going straight on, she was going to the harbour on the left. If really was the minor of bumps, but still looks likely to cost me 1200.
As described there - and knowing the place in question - it definitely sounds like she was in the wrong. As others have already said, the awkward bit is going to be convincing the insurance companies.

Did you and the other driver involved fill in and sign a "Constat européen d'accident", with a drawing showing who was in which lane and who was going where ? I would say that's your best chance of getting her insurance company to pay.
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  #48  
Old 04.07.2011, 18:33
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Re: Accident in a hire car

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As described there - and knowing the place in question - it definitely sounds like she was in the wrong. As others have already said, the awkward bit is going to be convincing the insurance companies.

Did you and the other driver involved fill in and sign a "Constat européen d'accident", with a drawing showing who was in which lane and who was going where ? I would say that's your best chance of getting her insurance company to pay.
Yeah, done all that. The annoying thing was, a police car passed us once we drove into the marina to exchange details, so we waved them down and they came over. Unfortunately, he never spoke English, but the very fortunately the other driver did, so she translated and he said that I was in the wrong. So yeah, see what happens. But my guess is that it won't go well for me. Give me another few months of learning the language and I won't be going down without a fight if I'm in this position again.

When I was back in the UK, I bought a lovely second hand VW Passat, spent about £600 at the garage getting it serviced/cleaned/new brakes etc. 5 minutes after getting it from the garage a woman drove into the back of me at about 50/60 mph and there was certainly no attempt on her part to brake. I had to drive my car off her car as her front bumper was under my front drivers seat. Needless to say, both cars were a write off. That took two years for the insurance company to admit she was at blame, so not holding out much hope here.
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  #49  
Old 05.07.2011, 08:55
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Re: Accident in a hire car

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Must be a European thing to charge people, even though you've paid for insurance.
Even in the US insurance has a deductable.

Tom
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  #50  
Old 05.07.2011, 09:56
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Re: Accident in a hire car

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Even in the US insurance has a deductable.

Tom
No car I've ever rented had a deductible....do you mean regular insurance for your personal vehicle?

Last edited by lost_inbroad; 05.07.2011 at 10:09.
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  #51  
Old 05.07.2011, 10:24
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Re: Accident in a hire car

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Why bother?

If you are not signalling "right" to leave, what else would you be doing except staying in the roundabout?

Tom
Why indicate at all, then? Surely the direction of the front wheels and the action of the driver twisting the steering wheel are enough to know a car is about to turn right or left.

On a typical roundabout with four exits, indicating left gives other drivers a clue as to your actions in advance - including the fact you're likely to slow down and turn left sharply once on the roundabout rather than fly over it, cutting across all lanes as fast as possible, and going straight on (which is what drivers assume everyone will do in the UK if they enter a roundabout without indicating at all!).

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Should the liability insurance not cover you for damage while driving someone else's car?
Great point! Is this the case? If I hire a car abroad and trash it (not deliberately - an accident) then am I covered? I guess I need to ask the insurance company.

Last edited by adrianlondon; 05.07.2011 at 10:54. Reason: Merge two posts like a good boy
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  #52  
Old 05.07.2011, 10:36
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Re: Accident in a hire car

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Great point! Is this the case? If I hire a car abroad and trash it (not deliberately - an accident) then am I covered? I guess I need to ask the insurance company.
This was the case when renting a car in the US and drive it to Canada or vice versa...you simple had to state beforehand that you intend on taking it across the border.
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  #53  
Old 05.07.2011, 10:39
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Re: Accident in a hire car

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Great point! Is this the case? If I hire a car abroad and trash it (not deliberately - an accident) then am I covered? I guess I need to ask the insurance company.
Im sure you are covered. Many people fly into Geneva airport and rent cars to drive into France
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  #54  
Old 05.07.2011, 10:44
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Re: Accident in a hire car

Just in case I didn't word it well, I'm taking about that Swiss thing - the personal liability insurance which covers up to 3 million CHF or whatever. In other words, without even bothering to take out any car hire insurance.
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  #55  
Old 05.07.2011, 10:53
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Re: Accident in a hire car

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Just in case I didn't word it well, I'm taking about that Swiss thing - the personal liability insurance which covers up to 3 million CHF or whatever. In other words, without even bothering to take out any car hire insurance.
I'd be interested to know for sure...because the excess on my liability policy is far lower than the car rental crooks in Switzerland.
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  #56  
Old 05.07.2011, 13:09
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Re: Accident in a hire car

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Just in case I didn't word it well, I'm taking about that Swiss thing - the personal liability insurance which covers up to 3 million CHF or whatever. In other words, without even bothering to take out any car hire insurance.
It always excludes motor vehicles, that's why the premium is under 100 chf!
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Old 05.07.2011, 13:11
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Re: Accident in a hire car

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No car I've ever rented had a deductible....do you mean regular insurance for your personal vehicle?
I always had to pay a CDW in the US.
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  #58  
Old 05.07.2011, 13:12
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Re: Accident in a hire car

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It always excludes motor vehicles, that's why the premium is under 100 chf!
You get policies which cover you for damage while occasionaly driving other people's cars. Technically a hire car is someone else's car.
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