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-   -   Car accident (https://www.englishforum.ch/transportation-driving/83444-car-accident.html)

KHL28 12.05.2010 23:18

Car accident
 
I have had yesterday a very unfortunate accident while driving a rental car :(. Fortunately no one was hurt, and everybody was safe, but both our cars were damaged in front. I have never involved in an accident before and my driving was always fine. But I am new in Switzerland and that certainly has contributed. I won't drive anymore here, I am sort of traumatized by the accident. The police concluded that it was my fault as I failed to see the driver coming who has the right of way. When signing a paper, I have refused to accept the verdict of the police officer because I don't really know the consequences of admitting to something without having legal consultation, and that is what i explained to him. I have not asked yet for professional help, but I am here to get some advice about how to handle the situation. The rental car is insured with a franchise of $3000 that I have to pay. I am not worried about money, but more about the process and other consequences. :(

miss_bean 12.05.2010 23:29

Re: Car accident
 
Quote:

Originally Posted by KHL28 (Post 810983)
I have had yesterday a very unfortunate accident while driving a rental car :(. Fortunately no one was hurt, and everybody was safe, but both our cars were damaged in front. I have never involved in an accident before and my driving was always fine. But I am new in Switzerland and that certainly has contributed. I won't drive anymore here, I am sort of traumatized by the accident. The police concluded that it was my fault as I failed to see the driver coming who has the right of way. When signing a paper, I have refused to accept the verdict of the police officer because I don't really know the consequences of admitting to something without having legal consultation, and that is what i explained to him. I have not asked yet for professional help, but I am here to get some advice about how to handle the situation. The rental car is insured with a franchise of $3000 that I have to pay. I am not worried about money, but more about the process and other consequences. :(

very sorry to hear about it.Glad that you all are fine and safe.

http://www.englishforum.ch/insurance...h-what-do.html

I found this could help.

ticino 12.05.2010 23:38

Re: Car accident
 
CH is the only country I know where - after an accident like the one you just described - you will be fined and will likely lose your license for some time. Expect 1-3 months and a fine of >1000. Welcome to the insane world of CH.

PaperMoon2 13.05.2010 00:40

Re: Car accident
 
Wow you poor thing. I know that has to be a scary thing to go through as far as the paperwork and legal issues. Good luck to you. I witnessed a car accident not too long ago involving 3 cars they all rear ended each other when the first car stopped suddenly and the car behind hit him and the car behind that one hit that car. No one was hurt but their bumpers and front got pretty messed up.

Anthony1406 13.05.2010 00:44

Re: Car accident
 
good thing you did not admit fault, never do it even if it is your fault....:msnsarcastic:

let insurance deal with it. That why you got the insurance. It being a rental I doubt you will hear much about it besides the bill offcourse....

digg 13.05.2010 13:50

Re: Car accident
 
I wouldn't worry about it. That's why there's insurance. Just learn from the mistake/how road priorities work here. Driving here isn't that bad here once you're used to it.

SimonHicken 13.05.2010 14:20

Re: Car accident
 
Quote:

Originally Posted by Anthony1406 (Post 811026)
good thing you did not admit fault, never do it even if it is your fault....:msnsarcastic:

let insurance deal with it. That why you got the insurance. It being a rental I doubt you will hear much about it besides the bill offcourse....

I'm sorry but I find that absoloutely disgusting, if it's your fault, it's your fault, I had a motorcycle accident which left me in hospital, totaled my bike (which was my only form of transport) and left me out of work for a month. because an idiot wasn't looking and didn't see me coming then declined responsability, it took 1 year to sort it out. In the mean time I had to pay out of my own pocket to get money for my bike back from the insurance. All because selfish people like you refuse responsability.

To the OP really sorry to hear about this, but don't stop driving, the best thing is to keep driving, I will always be grateful to my father who forced me to get behind the wheel after my first accident. Good luck!

On the other hand if your not sure it's your fault don't accept responsability, but if you know it's your fault then accept.

portsmouth68 13.05.2010 14:45

Re: Car accident
 
Quote:

Originally Posted by KHL28 (Post 810983)
I have had yesterday a very unfortunate accident while driving a rental car :(. Fortunately no one was hurt, and everybody was safe, but both our cars were damaged in front. I have never involved in an accident before and my driving was always fine. But I am new in Switzerland and that certainly has contributed. I won't drive anymore here, I am sort of traumatized by the accident. The police concluded that it was my fault as I failed to see the driver coming who has the right of way. When signing a paper, I have refused to accept the verdict of the police officer because I don't really know the consequences of admitting to something without having legal consultation, and that is what i explained to him. I have not asked yet for professional help, but I am here to get some advice about how to handle the situation. The rental car is insured with a franchise of $3000 that I have to pay. I am not worried about money, but more about the process and other consequences. :(

My understanding is that if no one was hurt then there will be a fight amongst the Insurers as to which company pays up. On rare occasions the police may decide to send a report to the Prosecutions office who may or may not proceed with legal action.

My understanding is that is there was no negligence involved you would be very unlucky to be fine. This after all was an accident and as you say no one was hurt. The police can decide what they like they are not responsible for prosecutions in Switzerland. Again my view is that the Prosecutor will give an option as to a fine based on the evidence that he has before him or you can have the option to appeal his decision.

These things happen, don't worry too much about it and just be happy that everyone walked away from it.

Assassin 13.05.2010 14:48

Re: Car accident
 
Quote:

Originally Posted by SimonHicken (Post 811276)
I'm sorry but I find that absoloutely disgusting, if it's your fault, it's your fault,

I value your sentiment and honesty bud, too few people stand up for their actions in this day and age of lawyers trying to get rich on peoples' troubles and agonies. I hope that we're not headed the way of the US or the UK with regards to denials and the best attorneys winning cases for rich clients.

KHL28 13.05.2010 14:50

Re: Car accident
 
Thanks everyone for your comments and kind words. Few mentioned a bill from police, could anyone give any estimates based on experience or word of mouth?


Quote:

Originally Posted by SimonHicken (Post 811276)
On the other hand if your not sure it's your fault don't accept responsability, but if you know it's your fault then accept.

I an not so sure if it is my fault, it may well be mine, but I am not %100 sure. I cannot just sign a police paper in German which I don't understand, and in a country that I have no prior experience in, and in a state of shock, all to blame myself. I am sorry for you and the receiving driver, but I think it is normal to be cautious. I would rather pay from my pocket (if it is a small bill of <4000 CFH) and get over with this as quickly as possible than let it drain my energy and time.

Carlos R 13.05.2010 14:53

Re: Car accident
 
Quote:

Originally Posted by ticino (Post 810991)
CH is the only country I know where - after an accident like the one you just described - you will be fined and will likely lose your license for some time. Expect 1-3 months and a fine of >1000. Welcome to the insane world of CH.

Actually, I don't agree. I caused an accident last August. A three car pile up. In the process I wrote off my car and the one in front. The first car got off lightly with minor damage.

It was 100% my fault. Luckily no one was seriously injured. I got fined, and rightly so, but no loss of licence. (EDIT: Saw your update post: bills & fines were in the order of 1,400 CHF, split 50/50 between Baselstadt and Baselland, as the accident was in BL, but I live in BS).

Quote:

Originally Posted by Anthony1406 (Post 811026)
good thing you did not admit fault, never do it even if it is your fault....:msnsarcastic:

let insurance deal with it. That why you got the insurance. It being a rental I doubt you will hear much about it besides the bill offcourse....

I'm with SimonHicken. You have insurance. If it is your fault, your insurance should still cover you. Accidents happen, that's what you have insurance for and unless you were drunk or speeding, then usually you are covered even if it is your fault.

The only thing, I guess, is that people do try to take advantage of such situations to get something for free, but that's life.

To the OP: your insurance company may or may not be the best place to ask for advice as they will not be impartial. Are you a member of the TCS? In which case I believe that they offer a first consultation for free. If you don't have their legal insurance cover - obviously if you do have their legal cover, I'm guessing you wouldn't be here!

Bookworm 07.11.2011 16:11

Re: Car accident
 
Can anyone recommend an insurance person to ask about a small accident? I'd like to speak to someone in English. It was not a collision, just our car hitting the garage door at our rental house. :msncrazy:

cran 07.11.2011 16:55

Re: Car accident
 
Quote:

Originally Posted by Bookworm (Post 1400011)
Can anyone recommend an insurance person to ask about a small accident? I'd like to speak to someone in English. It was not a collision, just our car hitting the garage door at our rental house. :msncrazy:

Why not just get the car and the door fixed yourself?

You don't have to involve insurance company, and unless it's a big bill for thousands you're better off not involving them.

TidakApa 07.11.2011 17:28

Re: Car accident
 
Quote:

Originally Posted by Bookworm (Post 1400011)
Can anyone recommend an insurance person to ask about a small accident? :msncrazy:

ahhhh........hmmmmmm
Talk to "your own" insurance company.


Find the policy number of your insurance and the contact number.

First ask if you are covered for such things, and then what the applicable excess (or franchise or deductible) is.


Quote:

Originally Posted by cran (Post 1400079)
Why not just get the car and the door fixed yourself?
.

Completely agree.

Chances are, the cost won't exceed the excess anyway (no claim), and the insurance company has a record of a claim.

I'd probably just get a quote from a panel beater to start with..... an insurance company will ask you to get a few anyway so you may as well get started on this.


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