On September the 22nd one of life's beauties (a hoody pedestrian) decided to ignore a traffic light/crossing instruction to STAY, and proceeded to cross the road not looking at traffic to the right or the left. The ped was in many words mesmerised by the contents of his takeaway (he was looking directly at the contents), the consequence being was that although I swerved to miss him, he continued as if I were not there, and walked into the side of the front wing of my cab.
He ended up on the road with his nose bloodied, and an ambulance was called. The ambulance took about 15/20 minutes to arrive. During the time it took to come, he was encouraged to stay down on the road by his mates i.e don't move stay there, however when it arrived the miracle happened - he got up and walked to the ambulance by himself
At that time the police arrived, they managed to get statements to say that I was not speeding and the non existent damage on the vehicle clearly demonstrating that I had not hit him - "he had in effect, hit me". The police were satisfied that I was not at fault and put it down to intoxication of the ped not looking were he was going. At the end of my shift I called into the hospital to see as to how he was, only to find that he had been discharged ours ago
THE DOWNSIDE. I reported the accident to my insurers as I did not want any comebacks and you have to do it anyway. Remember this is a no claim NON fault accident!
My insurance is due for renewal and they have been dragging their feet!! This morning the call for renewal comes and my insurer wants to drop my no claims down to 2 years only, thus increasing my premium to £800 more than last year
The brokers are going back to them to see as to what can/should be done. I have told them that there is not going to be a negotiation on it - reinstate or I am off
Has anyone else encountered similar?
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