During the recent icy weather conditions my neighbour’s car skidded on black ice and collided with my parked car. My neighbour was very apologetic but feels that the accident was not his fault and is blaming the icy road. My car was significantly damaged and I would appreciate your advice.
Motorists have had to struggle with icy roads and black ice in recent days. Motorists are obliged to drive with due care and attention at all times and the difficult weather conditions do not provide an excuse if their vehicle collides with another. I would suggest that you contact your neighbour and request that he report the matter to
his motor insurance company who should compensate you for your loss. By law, at a very
minimum, your neighbour’s motor insurance policy will extend to third party claims.
Your neighbour’s insurance company will send a motor assessor to inspect your car and
he will agree repair costs with your garage. Your garage should provide you with a
courtesy car for the duration of the repair period. All such costs should be discharged by
your neighbour’s insurer. If requested, the insurance company may issue payment
directly to your garage.
However, your neighbour should contact his insurer without delay so as not to prejudice
the claims process. If your neighbour’s car was also damaged in the collision and if he
had comprehensive motor insurance then his insurer will deal with the damage to his car
in the same manner as yours. A policy excess will normally apply to such a claim
If your neighbour refuses to deal with you, or report the matter to his insurer, you should
immediately contact your Solicitor.