Clubjazz - Honda Jazz & HR-V Forums
Honda Jazz Forums => Honda Jazz Mk4 2020 - => Topic started by: Neil Ives on September 22, 2022, 01:42:45 PM
-
On Sunday I reverse parked at a supermarket. As I pulled out of the place and turned left I forgot how close I was to railings. The car scraped hard along the railings.
I've initiated an insurance claim; thank goodness for comprehensive insurance. I'll have to pay a total excess of £350
-
...Ouchy! Stomach churning time when that happens...
-
Look on the bright side: it's just painted metal!
Small accident. Nobody hurt? So everything OK, just a pity about the money...
-
Oops. :( Bad luck...
-
Ouch, that hurts!
-
Ouch. Even a lesser prang would be no less welcome and still need to be repaired .And likely to cost about the same at a body shop, and you'd lose the same excess. Is it any consolation that you are getting more prang for your buck? Probably not. :'( And you probably dont want me making light of it >:(
-
Look on the bright side: it's just painted metal!
Small accident. Nobody hurt? So everything OK, just a pity about the money...
Yes indeed; it broke my heart to damage a nearly new vehicle, but as you say the only casualty is my bank balance.
The incident had a benefit for wifey; for the rest of our time together she can cite this incident whenever I dare to say anything about her driving. >:(
-
for the rest of our time together she can cite this incident whenever I dare to say anything about her driving. >:(
Until she makes a scratch.... Opps, sorry, don't want to tempt fate! Commiserations again. :-[
-
That is bad luck but so easily done.
Be interesting to see how quickly and easily your insurance company organises the repair.
-
How very annoying for you - my commiserations.
Do you think in retrospect that the side protectors as seen in the ‘style’ trim might have saved you? (These are meant to fit on to the point of maximum body width.) I wondered about getting these myself but didn’t as they don’t protect from car park dings and are not cheap (if painted). I might reconsider now.
(Photo from Honda UK website https://www.honda.co.uk/cars/new/jazz-hybrid/overview.html)
-
for the rest of our time together she can cite this incident whenever I dare to say anything about her driving. >:(
Until she makes a scratch.... Opps, sorry, don't want to tempt fate! Commiserations again. :-[
She has had a few driving 'incidents', as I have over the many years, (52) that we've been together. Wifey seems to be able to deny in her mind that any of them were her fault! For example, coming off a motorway approaching a roundabout with traffic lights. The lights turned to amber as she approached so Mrs slammed on the brakes. I was already braced for impact when a car ran into the back of ours. OK, in Britain you are supposed to stop on amber if it's safe to do so. I dared to tell her that if she'd checked the mirror before hard braking she might have realised what might happen. Mrs still denies that she made a mistake.
What do you think?
-
“ For example, coming off a motorway approaching a roundabout with traffic lights. The lights turned to amber as she approached so Mrs slammed on the brakes.”
Unfortunately rear shunts are common with or without this. Our last significant accident was a rear shunt when we were innocently waiting at a traffic light. In this case I think the driver was distracted by her children in the back seat. Mobile phones and screens can also be a hazardous distraction.
It is also my impression that car body shops get a lot of business from low speed car park biffs and scrapes. These are so easily done especially as cars get bigger. My daughter’s Jazz was recently reversed into by a big estate car in one such car park incident recently :(
-
I have the side protectors, they are soft on impact, maybe harder where attached to the car. It all depends on whether you could hear the sounds of impact on the softer outer material to stop in time not to affect the actual metal. Maybe not, they are designed to be banged by doors parked to the side in car parks mostly I guess. With body paint they would not be that cheap to replace either?
-
Do you think in retrospect that the side protectors as seen in the ‘style’ trim might have saved you?
The rear passenger door is damaged and the sill is crushed. Those side rubbers would not have protected the sill. I suppose I may have felt the contact sooner if a protector was fitted.
-
I hope the repair is good and your next insurance quote doesn't go sky high.
-
I hope the repair is good and your next insurance quote doesn't go sky high.
That is the danger. There will indubitably be a significant increase as discussed on other threads.
-
I dared to tell her that if she'd checked the mirror before hard braking she might have realised what might happen. Mrs still denies that she made a mistake.
What do you think?
That You're a brave man ;D
The main fault is with the driver behind who should ensure they are able to stop, whatever unexpected event occurred. And insurers would typically regard them as to blame ,but as the Insurance industry know they will win some and lose some it may not be worth their while spending too much effort apportioning blame.
I'd say a driver should be constantly aware of traffic all around them and therefore already aware in good time if there is a car too close behind . This gives you time to protect yourself by braking sooner and more gently,or to justify not stopping suddenly on an amber. Or if its a persistent twit ,time to move out of their way.
Safer driving is not just about not making your own mistakes . With good hazard perception you can anticipate when others might make mistakes and protect yourself from them. Its a bit like the proverbial grave stone epitaph " He was in the right , but he is still right here"
But saying you should look in the mirror before heavy braking is to some extent leaving it too late. Having to brake hard is sometimes a result of the drivers own poor hazard perception and late reaction. If you have no option but to stop in a hurry you may not have time to look in the mirror. Amber lights is a bit of an exception. You often have time to check mirror and decide if its safe to stop.If its not safe the light will still be amber and its legal to carry on. If its a bit tight and you havnt time to check, its usually best to assume its not safe and carry on, as the light will still be amber (wont it . If its now red you have no excuse for your tardiness and should be ashamed of yourself.)
So I dare say your wifes hazard perception could ,like most of us ,do with some improvement. (I dare say it, but will you ;) )
-
I dared to tell her that if she'd checked the mirror before hard braking she might have realised what might happen. Mrs still denies that she made a mistake.
What do you think?
That You're a brave man ;D
.....
So I dare say your wifes hazard perception could ,like most of us ,do with some improvement. (I dare say it, but will you ;) )
No. :'(
-
I hope the repair is good and your next insurance quote doesn't go sky high.
That is the danger. There will indubitably be a significant increase as discussed on other threads.
I had to decide if paying for the repair without letting my insurance company know would be cost effective; I thought not.
-
I hope the repair is good and your next insurance quote doesn't go sky high.
That is the danger. There will indubitably be a significant increase as discussed on other threads.
I had to decide if paying for the repair without letting my insurance company know would be cost effective; I thought not.
I think you were correct in your assessment. It does look like costly damage.
-
I agree. It looks quite costly. The rear door skin looks quite distorted and probably needs reskinning, likely also the front. (partly judging by the distortion in your reflection when you took the photo. Or maybe thats how you normally look and the damage will come out with T cut ;D )
Sill probably more complicated than it looks. On a cheap and cheerful private job on an older car they might pull the dents out with a slide hammer,plus a bit of panel beating and filler ,but it would probably still cost more than you stand to lose on excess ,ncb and quotes.
-
I agree. It looks quite costly. The rear door skin looks quite distorted and probably needs reskinning, likely also the front. (partly judging by the distortion in your reflection when you took the photo. Or maybe thats how you normally look and the damage will come out with T cut ;D )
Sill probably more complicated than it looks. On a cheap and cheerful private job on an older car they might pull the dents out with a slide hammer,plus a bit of panel beating and filler ,but it would probably still cost more than you stand to lose on excess ,ncb and quotes.
If the internal door crash beams are distorted then it's a new door frame and skin job. £2k. Don't ask how I know.
-
I hope the repair is good and your next insurance quote doesn't go sky high.
That is the danger. There will indubitably be a significant increase as discussed on other threads.
I had to decide if paying for the repair without letting my insurance company know would be cost effective; I thought not.
Hi.
Sorry to hear about your misfortune.
If you need any help with insurance come renewal time please don't hesitate to drop me a line.
Regards,
Dan.
-
Hi.
Sorry to hear about your misfortune.
If you need any help with insurance come renewal time please don't hesitate to drop me a line.
Regards,
Dan.
Thank you Dan. My current insurance is from AXA via the AA. I have max NCB.
Is AF an insurance company or a broker?