Bollard

[Bazile]

At a road junction , the bollard sign below in the picture is missing having been previously , probably knocked down .

http://www.google.co.uk/imgres?q=road+junction+directional+bollards&start=105&um=1&hl=en&safe=active&sa=N&tbo=d&biw=1280&bih=822&tbm=isch&tbnid=VnzeALHrnyWnsM:&;;imgrefurl=http://www.esi.info/detailCompany.cfm%3FR%3D200.36664&docid=yNnENDeRN68N0M&itg=1&imgurl=http://www.esi.info/images/profilePics/Thumbnails/Haldo_Developments_Ecco_traffic_bollard_1_sml.jpg&w=243&;h=201&ei=d_kYUc2hE4qb0QXMloG4BA&zoom=1&iact=rc&;;dur=390&sig=111511439532917153418&;page=4&tbnh=148&tbnw=163&ndsp=34&;ved=1t:429,r:29,s:100,i:91&;amp;tx=70&;ty=67

A driver comes along and drives on the part that is still in the road , where the bollard base sits on .

Would that be classed as an RTA , by an insurance company ?

[rojash]

Link doesn't work for me - probably because it seems to contain the entire history of the search you did.
Can you not just link to the final image?

[Baldric]

Link not working

[Old_Geezer]

http://www.esi.info/images/profilePics/Thumbnails/Haldo_Developments_Ecco_traffic_bollard_1_sml.jpg

[Hopkirk]

Surely if the driver makes a mistake and damages the car it is an accident, or am I missing something?

[Bazile]

The driver has not collided with the Bollard .

The bollard had been knocked down already by someone else and was by a wall on the pavement .

What's happened is that the driver has drvien on the circular bit that remains on the road , where the bollard would normally sit on - which slightly protrudes above the level of the road surface .

There is no damage to the car , because it's the tyre that has driven on the bit in question

[Nibble]

IMO, as he has contacted the insurance provider stating that there is "damage" to the car, even if only a tyre being damaged - due to inattention as to where they were driving, then the insurer would be correct in considering this to be an RTA, under the T&C's of his cover.

[factor-fiction]

The link worked for -just a picture of a standard bollard

[factor-fiction]

Ah- it worked yesterday but not now

[Bazile]

There has been no damage to the tyre or any part of the car

[Bazile]

The driver has not spoken to the insurer

( by the way it was when we had that snow on the ground from Sunday night , just gone , snow shower )

[Bazile]

So , would you report that to your insurer has been involved in an RTA ?

Or isn't that similiar to kerbing your car ?

[Hopkirk]

So no damage to the tyre or any part of the car?

I don't class that as an accident, so why consider reporting it?

[Nibble]

If as you say, there's no damage either to the car/tyre, then why report to insurer, I'd get in contact with your county Council roads department to request them to repair it, though.

[Nibble]

^ the bollard that is :)

[Baldric]

No damage to car,
No damage to tyre,
What's to report to your Insurance Company?

[Old_Geezer]

I think one can be overenthusiastic reporting on stuff that doesn't matter. Keep it to yourself and just feel guilty about it for the next few years.

[Bazile]

The driver knows that he is probably being silly , in thinking that the event needed reporting to his insurer .
It was a case of claryfing what constitutes an accident , for car insurance purposes .

Just needed confirmation that it is not an accident and therefore not required to be made known / notified to insurer

[Dodger666]

If he does report it they will regard it as a no claim incident and may increase his premium next time he renews his policy. Tell him to keep quiet.