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Peugeot 107 - Hgv tyre blowout smashes windows - Adam cornish

Hi hoping someone will help with an incident that occurred a couple of hours ago. I was sat in a layby when all of a sudden i thought someone had thrown a brick through my drivers side window the situation was a but unnerving to say the least. I jumped out of the car to ask the bloke who was sat in his ca r behind me if he saw what had happened noticed that my rear o/swindow also smashedddoes anyone know if I have a claim on his insurance as my insurance have told me that nothing they can do as I only have third party fire and theft many thanks in advance

Peugeot 107 - Hgv tyre blowout smashes windows - Bromptonaut

If I'm reading this account correctly OP's car suffered a broken window due blow out/de-lamination of an HGV tyre and can he claim for loss?

If HGV can be traced then possibly.

Otherwise no.

Edited by Bromptonaut on 01/10/2018 at 23:04

Peugeot 107 - Hgv tyre blowout smashes windows - gordonbennet

If you can't trace or get any joy from the lorry owner, don't bother with the screen people who spend £££ on advertising.

If you ask locally about, workshops, mechanics, car sales lot, there will be a handy one man and his dog screen fitter who will be able to re-glaze you for a surprisingly reasonable sum.

Must have been shocker i can still recall the toughened windscreen that have blown in on me from years ago.

Peugeot 107 - Hgv tyre blowout smashes windows - Adam cornish

Many thanks for the replying the lorry driver parked in front of me and he was very apologetic and gave me his details company etc who apparently dont use an insurance company was are self insured. Is it likely they will accept their had a defective tyre and replace my windows as i have just had the engine and clutch replaced and really dont have the money not even from a scrap yard.

And yes gordonbennett a real shocker as i was watching a video on YouTube at the time and i honestly thought someone had thrown a brick through it funny thing is I'd nit long closed my window but the rear has a quarter panel which was open but i don't remember hearing the bang just my window shattering and a big hole in it. And the fact the lorry was about 10ft away when it blew i think i was quite lucky and another driver came back with a cup of tea and sausage and onion baguette fir me which i thought was a really nice gesture. Apparently the middle tyre is one od the worst to blow i guess as more weight and he said he hadn't seen damage like that before. Thanks again in advance.

Peugeot 107 - Hgv tyre blowout smashes windows - gordonbennet

Middle tyre on a three axle loaded trailer presumably, lot of air in a super single when it exits quickly, and yes they do have a reputation as being the one that blows, there are various theories why, despite getting the easiest life of the three axles, but weight isn't one of the reasons because on modern air sprung trailers the weights imposed on the three axles are almost identical, usually within 100kgs on 8 tons gross axles.

If it was the company i work for, i would have reported this and they would already have been on the phone to you to sort the problem out ( i could give an example of how they behaved even when not at fault), and hopefully the company involved will be of a similar disposition.

I suggest you contact the depot or transport manager at the home depot of the lorry involved, i doubt you will find any but if you find resistance write to the managing director or preferably the chairman of the company at head office, this isn't some fly by night operator because self insuring requires serious funding and a good reputation.

Nasty experience for you though and i'm pleased the lorry drivers lived up to the old knights of the road reputation, which has sadly taken a battering in recent times.

Edited by gordonbennet on 02/10/2018 at 12:55

Peugeot 107 - Hgv tyre blowout smashes windows - Adam cornish

Many thanks for the advice gordonbennett i phoned the company first thing this morning and it seems they are willing to foot the bill for the windows but only goi g through my insurance on a glass claim which i have to pay a £75 excess but apparently i can claim this back. However my insurance company has informed me its possible their insurance could by law refuse to pay as it must be proved that the hgv driver was negligent for the claim to stand up in law. Seems pretty unfair but im hoping they just accept responsibility and pay otherwise im going to be left with a hefty bill for something that was 100% not my fault. Cheers all.

Peugeot 107 - Hgv tyre blowout smashes windows - gordonbennet

So the haulier is presumably hoping to get away with just paying you the £75 excess ? or have i misread this and are expecting a damage claim as such from your insurer? which strikes me as odd and likely to be much more costly than simply getting the job put right for you, they must have a regular screen fitting company (being big enough to self insure), my lot have, a phone call to the screen people and your job should have been fixed by now, the bill going directly to them.

I'm a little surprised that the haulier (who must have spoken to their driver and now know the nitty gritty) hasn't been more forthcoming, some others would have made a huge song and dance in these circumstances contacting accident management bods etc with a view to compo for the shock plus credit hire car all the usual cobblers.

Hope the insurer comes through, i wonder if they can't see any juicy referall fees in this, bill from glass company for what £220 to pass on at no profit? no credit hire car kerching no compo kerching no large commissions...and that is why i would have expected the haulier to be very glad the other party, you, only wanted new windows supplied and fitted and back on the road and would have got their act together immediately.

Edited by gordonbennet on 07/10/2018 at 13:21

Peugeot 107 - Hgv tyre blowout smashes windows - nick62

IMHO the whole motoring insurance industry in not fit for purpose in this country.

When I was side-swiped by a Polish lorry on the M1 10 years ago, my insurers were quite happy for me to "take it on the chin". They seemed completely uninterested in trying to chase-up the other party for the loss. It was only my insistence (and careful recording of the full details of the accident, including photographs of the lorry and drivers ID / license) that resulted in me "only" having a no-fault claim on my record.