3 accidents in 3 days

New driver here

Just got my Class 2 licence in November.

Last week I sign up with an agency and I get my first work on Friday. Driving a flat bed truck delivering some stillages. Friday goes along fine, I’m pnervous, have no real idea what I’m doing but get through it asking questions etc.
Agency tells me they want me back on Monday. Great. This time, totally misjudge a right turn and drive the back/side of my Lorry into a car that had stopped to let me pass. No damage to my Lorry but a pretty big ding and a broken light on her car. Speak to the companies insurance, they take my details etc.

New job the next day, driving a 7.5t truck for a chain store delivering electrical goods, sofas, beds etc. Halfway through the day I’m driving down a country lane and suddenly the hedges from both sides get very close and hit all my side mirrors, ripping the backs off 3 of them and completely wrecking the kerb mirror on the passenger side. Get back to the store warehouse at the end of a 14 hour shift, report the incident to their insurance. They said they’d phone me/the store back the next day.

The next day I’m driving for this store again, and the agency phones me and tell me that after having two accidents in 3 days they’re pulling me off hgv’s and want me to do some van work for a couple of weeks. I start tomorrow at 5am. I begrudgingly agree.

Later that day, still driving for the store, I hit a front garden fence while doing a 3 point turn and break one slat. I speak to the owner and they tell me it’s not a problem. It’s just a bit of broken wood. No damage to the lorry. Drivers mate reports the incident to the store, I get a call from the agency, saying the store are furious I’ve had another accident and they can’t let me keep driving. The van work in meant to start tomorrow at 5am? Forget it. It’s not happening. Spent the rest of my 14 hour shift almost in tears.

I’m heartbroken at the moment. Depressed does not cover it. I feel like a failure. I feel like I’ve wasted the last 6/12 months of my life working towards this career I’m either really wrong for or have horrible luck with. I know I’m a good driver, I’ve not had an accident in my car in years.

But now I’m worried I’ll never get a driving job again. My agency definitely seem fed up, and I feel like any other employer will ask about any accidents in the last 5 years and I’ll have to report these 3 incidents in 3 days, and won’t hire me either.

So basically I’m asking you, Am I Screwed?

You haven’t had a great start then! :wink:

Use these minor incidents as learning curves, brush yourself down and start again (maybe with a new agency) just take things nice and slowly and make not causing any damage your number one priority, with each shift that passes without incident you will gain experience and start to get your confidence back.

Don’t beat yourself up about what has happened - it sounds like you have just had a bad run and new drivers and accidents tend to go hand in hand with each other.

Dont think so… I’ve just taken a job and i was not asked about any previous bangs?

TBH though reading your comments

when you miss judged the turn why did you not look in your mirror ■■? while turning take things SLOWLY your a new driver… as for the hedges… again if you where going slowly then im sure you would not have mangled your mirrors. im not judging im speaking from experience i had an ambulance come hurtling passed me i moved over without slowing down BOOOOOOOOM caught my wing mirror off a lamp post nearly ■■■■ myself luckily i managed to get the back on the mirror again shhhhhhhh!!!

It’s hard buddy driving a truck is not easy its very dangerous everything you do could have bad results. The thing you MUST DO is learn from your mistakes I mean REALLY learn from them dude move on and become a better driver

i can understand them being ■■■■■■ with you i had 3 in 3 months and they got rid of me. never mind 3 in 3 days

123smith:
You haven’t had a great start then! :wink:

Use these minor incidents as learning curves, brush yourself down and start again (maybe with a new agency) just take things nice and slowly and make not causing any damage your number one priority, with each shift that passes without incident you will gain experience and start to get your confidence back.

Don’t beat yourself up about what has happened - it sounds like you have just had a bad run and new drivers and accidents tend to go hand in hand with each other.

Thank you for the advice. Do accidents go on some kind of giant national database? Do I have to mention it if I sign up to a new agency? Will it affect my personal insurance when I re-insure my car? Do I mention these accidents when re-insuring my personal car? These are the kind of things giving me crippling depression right now.

bigf00t:

123smith:
You haven’t had a great start then! :wink:

Use these minor incidents as learning curves, brush yourself down and start again (maybe with a new agency) just take things nice and slowly and make not causing any damage your number one priority, with each shift that passes without incident you will gain experience and start to get your confidence back.

Don’t beat yourself up about what has happened - it sounds like you have just had a bad run and new drivers and accidents tend to go hand in hand with each other.

Thank you for the advice. Do accidents go on some kind of giant national database? Do I have to mention it if I sign up to a new agency? Will it affect my personal insurance when I re-insure my car? Do I mention these accidents when re-insuring my personal car? These are the kind of things giving me crippling depression right now.

No, no, no and no.

bald bloke:

bigf00t:

123smith:
You haven’t had a great start then! :wink:

Use these minor incidents as learning curves, brush yourself down and start again (maybe with a new agency) just take things nice and slowly and make not causing any damage your number one priority, with each shift that passes without incident you will gain experience and start to get your confidence back.

Don’t beat yourself up about what has happened - it sounds like you have just had a bad run and new drivers and accidents tend to go hand in hand with each other.

Thank you for the advice. Do accidents go on some kind of giant national database? Do I have to mention it if I sign up to a new agency? Will it affect my personal insurance when I re-insure my car? Do I mention these accidents when re-insuring my personal car? These are the kind of things giving me crippling depression right now.

No, no, no and no.

dont worry mate stop stressing

I did crap myself though first time i phoned works insurance up to log a new claim and the woman told me the access for £1500 nearly fell through the floor but then quickly realized its not me paying

Just pretend it is dude you’ll never have another accident again lol

You can imagine why a company would be slightly annoyed though its not cheap truck insurance haha

bald bloke:
No, no, no and no.

Yes, yes and yes. This has been discussed ad nausea on the main thread. Go read your fine print on your personal insurance policy. The insurance companies do keep a central database to cross reference claims, even work ones. It is called the “Claims and Underwriting Exchange database” and every insurance company uses it.

If you get a ding at work, your details are put on the database for all to see, if you hide it and don’t report it to your personal insurance, they will every right to refuse you cover or refuse you a payout when it comes to claiming on your personal insurance.

If you are driving in my area can you let me know please … :wink: :laughing: :unamused:

wheelnutt:

bald bloke:
No, no, no and no.

Yes, yes and yes. This has been discussed ad nausea on the main thread. Go read your fine print on your personal insurance policy. The insurance companies do keep a central database to cross reference claims, even work ones. It is called the “Claims and Underwriting Exchange database” and every insurance company uses it.

If you get a ding at work, your details are put on the database for all to see, if you hide it and don’t report it to your personal insurance, they will every right to refuse you cover or refuse you a payout when it comes to claiming on your personal insurance.

Here is the link of the database, each and every claim is reported there and accessed by all insurance companies to verify your claim history.

mib.org.uk/managing-insuran … ue-miaftr/

Ergot2005:
the woman told me the excess [sic] for £1500 nearly fell through the floor but then quickly realized its not me paying

Of course it is you paying, the more accidents there are the fewer your chances of a payrise. And you will be paying for it once it is time to renew your personal policy or when your personal policy gets cancelled because you didn’t report the claim and you have to fork out 50k out of your own pocket for that Merc you hit in the Tesco parking lot…

Insurance companies are never out of pocket, you on the other hand will be.

The choice is yours, do you keep quiet and hope they don’t find out and risk getting your policy cancelled once you put a legitimate claim in or do you own up…

Choices, choices, choices…

If it is a claim by a company then surely it is the company name not the driver name that gets put on the database :question:

ROG:
If it is a claim by a company then surely it is the company name not the driver name that gets put on the database :question:

It is a claim by the company but they ask for the driver details, both are screwed. Insurance companies aren’t a charity, they don’t really pay anything in the end, it is a cost shared by all of us eventually.

The company premium will go up once they need to renew their policy and the driver gets hit too.

The 2015 Insurance act is pretty clear, any and all information materially pertinent to calculate the risk premium needs to be disclosed to the insurance company.

Witholding or not disclosing your claim history is fraudulent and not only will the insurance company refuse to pay a claim, they can now recover any all cost in relation to that claim from you and cancel your insurance on top.

You will then struggle getting insurance anywhere else, not only do you have a claim refused, further cover is now also refused and you have a history of insurance fraud, all neatly recorded on a central database for all to see.

ROG:
If you are driving in my area can you let me know please … :wink: :laughing: :unamused:

:laughing:

I have no issue with all details going to the insurers but what gets put on the database - my belief it is only the insured (the company in this case) which comes up in a database search - my belief may well be inaccurate but so far I cannot see it being any other way

Just do what any other limper would do - Sign up with a different agency and carry on regardless. At some point in the future either you’ll master this driving lark and stop having accidents or you’ll run out of new agencies to sign up with. If the latter happens, you might need to move to a new area where the whole process can begin again.

wheelnutt:

ROG:
If it is a claim by a company then surely it is the company name not the driver name that gets put on the database :question:

It is a claim by the company but they ask for the driver details, both are screwed. Insurance companies aren’t a charity, they don’t really pay anything in the end, it is a cost shared by all of us eventually.

The company premium will go up once they need to renew their policy and the driver gets hit too.

The 2015 Insurance act is pretty clear, any and all information materially pertinent to calculate the risk premium needs to be disclosed to the insurance company.

Witholding or not disclosing your claim history is fraudulent and not only will the insurance company refuse to pay a claim, they can now recover any all cost in relation to that claim from you and cancel your insurance on top.

You will then struggle getting insurance anywhere else, not only do you have a claim refused, further cover is now also refused and you have a history of insurance fraud, all neatly recorded on a central database for all to see.

Are you in insurance ?

Roymondo:
Just do what any other limper would do - Sign up with a different agency and carry on regardless. At some point in the future either you’ll master this driving lark and stop having accidents or you’ll run out of new agencies to sign up with. If the latter happens, you might need to move to a new area where the whole process can begin again.

Every agency/employer will ask if you have had any previous accidents/incidents, they then add you to their company policy based on your (fraudulent) disclosure, if you now write off a new FH500 with a trailer loaded with Beer/whiskey, your great grandkids will still be paying for it as the insurance company and every other party involved have every legal right to refuse the claim and everyone will be taking you to court for damages.

Insurance companies are good at finding reasons not to pay a claim, withholding previous accidents/incidents is an easy one for them to use, the evidence can be found with a few clicks.

This is a huge can of worms that most of us don’t really want to open.

hmmmm moneysupermarket.com/car-ins … -discount/

that ■■■■■ TBH

Ergot2005:
hmmmm moneysupermarket.com/car-ins … -discount/

that ■■■■■ TBH

In the old days you could get away with it, since 1994 every claim, even those that you retract and don’t lead to a financial payout from the insurance company is recorded and based on the 2015 Insurance Act needs to be reported upon renewal or trying to obtain new insurance.

Finding employment, indirectly is new insurance as you are added to the employer’s insurance policy, not disclosing a prang will now be fraud in the eyes of the law and makes you liable to huge financial losses in the future if once you get another prang or mishap it is found that you are not insured.

Even if you don’t cause the accident you are still driving uninsured as your policy was issued under fraudulent means so not valid.

wheelnutt:

Roymondo:
Just do what any other limper would do - Sign up with a different agency and carry on regardless. At some point in the future either you’ll master this driving lark and stop having accidents or you’ll run out of new agencies to sign up with. If the latter happens, you might need to move to a new area where the whole process can begin again.

Every agency/employer will ask if you have had any previous accidents/incidents, they then add you to their company policy based on your (fraudulent) disclosure, if you now write off a new FH500 with a trailer loaded with Beer/whiskey, your great grandkids will still be paying for it as the insurance company and every other party involved have every legal right to refuse the claim and everyone will be taking you to court for damages.

Hogwash. There is no legal principle by which your descendants would be required to pay for anything. Worst case scenario would see you bankrupted, after which (financially) you start with a clean sheet.