Am I cursed?
 

So I'm driving into town to go to the shop to have a look about, maybe get some drinks or sweets or whatever...

Come to a speed camera in a 30 zone, doing about 27 so I slow down a bit more to make sure - Get to about 25 going past and I think everything's fine - Lo and behold this idiot who has been riding the rear-end of my car for the last 100 yards shoots off to the right and overtakes me...

Now fair enough, open road, no traffic or obstacles etc, yes, he's a w****er but there is a red traffic light about 100 yards in front of me, with a car already waiting there...

The pillock pulls back in, clips the side and front of my car...

Rips my bumper and front part of my car clean off, shatters the side panel and scratches the door, breaks the mounting for my right hand set of lights and then, after all that, continues on as soon as the lights go green!!!! :surprised:

So he comes back 10 minutes later after a fire and rescue vehicle who witnessed it gave chase, and now I'm left with a £470 excess for my car, for an accident that WAS NOT MY FAULT and I cannot pay it :cry:

I have about £50 to last me until August - How am I going to pay £470 excess? :disappointed:

Satan

I'm a bit confused, did you catch him or not ?

How do you mean "catch"?

Catch as in he drove off and was caught and told to come back? If so, no, that was the fire and rescue guy...

Catch as in did I clip him? No - He pulled in on me...

Satan

Best off paying for it instead of telling your insurance company or your no-claims bonus will go bye bye :(

Did the guy not get his registration number then ? Have you reported it ? You may get lucky and a cctv camera somewhere got his number.

He did come back and give info to the police but drove off before I could get anything off him -.-

Luckily I have 2 witnesses and I have his registration number...

@Dean - Too late - Already rang them up and explained everything...

Good news is I have 2 days to find the money - Bad news is I will go to prison in 4 days for robbing a shop of ?470 :p

Satan

Is auto insurance done differently in the UK ??? Over here if it's the other person's fault you almost always come out on top - Either their insurance pays for the damages or if they don't have insurance you can sue them for the damages. Same thing happened to me a little over a year ago and their insurance paid for everything and even gave me a rental car while mine was in the shop.

While I don't know both sides of the story, I will ask if it was a double-yellow line (in the US, that indicates no passing).

shouldn't he pay you for the damages? im a little confused here satan...

Payment by insurance companies can take a long time. I guess the car needs to be fixed now. :(