[dginfinite]

I was driving down a small country lane about a car and a half in width. I turned a corner and there was another car driving the other way. I braked in plenty of time and steered to the left, unfortunately as I steered to the left I skidded on the mud, it had been raining the past couple of days and I slid for some time before my car stopped. fortunately the accident was not as bad as It could of been, both our wing mirrors scratched each others cars, his worse than mine.

My question is when it comes to insurance would I be at fault? I am more than happy to admit that I shouldn't have turned to the left and not gone through the mud, if I had stayed on the road I would have stopped in plenty of time but I done what I thought was best at the time. Does this make the incident my fault?

Thanks for any help

[TC1474]

It depends on what view the insurance takes.

It will be argued by the other side that you were not driving at a speed where you could stop within the distance you could see to be clear, and given the nature and the width of the road your speed was inappropriate for the conditions and you were not anticipating the possibility of what could happen based on what you could see, what you could not see and the circumstances you could reasonably expect to develop.

To counter that, your insurers will/could use the same argument against the third party which will leave the discussion in deadlock, so with that in mind I(and having dealt with many of these types of crashes in the past, I therefore feel that they will go for a split liability (50/50) as the likely outcome.