I was hoping my car insurance would be very cheap this year, I have never claimed in the 6 years I have been driving and I will be 26. But it looks like it will go up, insurance companies are losing money because of all the injury claims (something they encouraged and is now biting them in the bum). I thought that possibly I had lost my no claims bonus when it snowed the other day and skidded out of control.
I had been to my parents to as my uncle had been to visit and it was the only change to see him over the holidays. I set off home at half 11 and everything was ice, it was like driving on an ice skating rink. I was very careful but obviously not careful enough as I managed to hit a car. It was parked and I had skidded for about 20 meters before hitting it. I just completely lost all control. My brakes were on fully and I tried to turn but nothing happened I just went into a straight line. I got off lightly as there was no damage to either car but I did tell the owners about what had happened.
At the time I wasn’t worried, but now thinking about it, will anything happen about it? I know there was no damage, I only tapped the other car, but not everyone is honest. I could end up having to pay my excess if they claim for anything which I will not be happy about.
It is sad that we live in a time where people are ready to claim for anything and if you are honest to admit to a slight knock you end up worried about people claiming against the insurance on your car. A quick search on the internet and you can find companies with calculators that tell you how much you can claim for different injuries. Personal injury claims are easy to do as there are Lawyers for it everywhere are everywhere, its big business with many specialists in legal profession. At least there was no one in the car to claim for injury, my main worry is even though I have protected my no claims bonus.
You would have thought that the councils would have learnt from last year when they ran out of salt from the road. But it seems that they are still relying on last minute deliveries of salt, but when the roads are snowed in no lorries can get though.