In shock: Dumper Truck swerved out and rammed me on the school run

[milkchocolateStarryStarryNight]

I am in total shock, this huge big dumper truck swerved out and rammed me when I was driving my kids to school/nursery this morning.

We were driving there, he in one lane, me in the other, and then he just sped up, swerved out clipped my mirror forwards (I braked then) and he continued out taking the front of my car with him! Then he jumps out, and comes over, big burly man with shaved head, and rants at my driving, saying "how you driving, and with kids in the back, you not looking?" I say, "Me not looking? You were UNDERTAKING me and swerve out and rammed ME?"

Police wont come out, as nobody injured. Car not driveable. Have to have my husband come on his bike to help me with the man with the attitude problem.

And would you know it? My next door neihgbour comes walking down the road on the way to work, so she stops, and says: "hm... How you gonna get your kids to school and nursery now?" Beats me I say. So she says "Let me call my friend Tony, he will drop you and the kids where ever you want, while hubby sorts this mess out." She stayed and helped with the kids to her mate came.

Of all good coincidences to happen in a bad situation, this was probably the best. Got to get her a massive bunch of flowers.

Now, we have no car, but insurance company is sending a recovery vehicle, as it was leaking stuff from the engine. And we get courtesy car too. But, It is the second claim in one year (only had two claims in my entire 10 years as a driver in London, and they happen in one year) so have to be careful not to get any more accidents, or will get problems with getting insurance cover in the future. I SO DO NOT NEED THIS!!! I Know the other driver will say it was my fault not his, and it will be my word against his, and they may possibly even find in HIS favour, who knows. SHIT SHIT SHIT.

Thanks for letting me rant, and well done if you are still with me.

is that true, vss? so if i'm in a crash i should deny all liabilty?

Always - never admit liability

Yep

I never knew that till a couple of years ago.

Even if you're very obviously in the wrong, you mustn't say you are.

You don't have to actively deny responsibility, just mustn't admit it IIRC.

Not all companies automatically fight it. We got hit by a milk float a few years back and the dairy paid up without a murmur (mind you, they did hit us at 5am when the car was parked peacefully at the side of the road with no one in it, so I'd have liked to see them argue that it was our fault. The driver claimed that he "skidded on a patch of black ice" that conveniently disappeared almost immediately, mind ).

lol Lemon "The parked car just jumped out infont of me...."

so i'm not understanding what happens if it is your fault and if, in the confusion of it all, you say 'oh my god, i'm sorry, i didn't see you etc' and thus admit liability. what happens then?

LOL at black ice.

The other good excuse is a violent sneeze which caused you to lose control of the car.