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After a car accident

What to do after a car accident.

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Photo; Pixabay

We all cringe at the thought of an accident in our cars, vans, and motorcycles. If the worst should happen, it’s worth nothing, but here are a few points that could help you in the long run.

So, you drive somewhere, and suddenly, out of the blue, you have an accident. You may hit someone, or they may hit you. It may be your fault, or it may be theirs, but before we draw conclusions, take a step back and check you are ok after the accident.

The next thing to do is get out of your vehicle and check for damage, and check your surroundings. It is so important in this situation to take photos of everything. Lots of pictures of your damage and the damage to the third-party vehicle. Then the easiest way forward is to speak to the other third party and swap the insurer’s details.

NEVER, when making contact with the other person in the accident, say you are SORRY. How can you be sorry when you do not know whose fault it is? Do not admit anything; it’s not your job to do that; it is your insurance company’s job. There is no need to have a long conversation with the other party to make sure you do not say anything incriminating. Always get the third parties’ details.

You will need Name, address, and insurance company, but most importantly, the make, model, if possible and the registration number. Without these details, you may find your insurer cannot get the details it needs to process your claim. All this can be easy to say because you just had an accident and could be shaken up, but try. Getting these simple things done first is important.

Then contact your insurer, giving all the details you received and give them a description of the accident. They will ask you a series of questions about things like what the driving conditions were like, etc. Just tell the truth, as lying can void your insurance, but everything you say is logged.

That is, if the insurance company handles your case, it will contact the other driver’s insurance and decide who was or was not to blame. There can also be an outcome of 50/50 liability that can be given.

Finally getting the outcome you do not want allows you to appeal to the insurance company. If you feel you were not in the wrong, always complain to the complaints department because remember, if it’s your fault, you’re looking at an insurance premium increase, and that hits the pocket worse.

Byway: holidays by train, ferry and bus
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Consoles

Has Sony Shot Themselves In The Foot

Who is to blame for the current crisis Sony has put themselves in, and will it all end in tears?

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Almost any feud is distasteful and full of resentment. But who is to blame for the current crisis Sony has put themselves in, and will it all end in tears?

 This all started when Sony stated it was not going to produce hard media after 2027. No more DVDs, just downloads of your favourite software games.

Sony argues that there are more people downloading digital content than people buying disc games. Sony also says it’s a natural progression moving to digital-only media.

When people bought the PS5, you had digital-only, disc drive and PRO versions. Now maybe it would have been a good time to introduce digital-only at the PS5’s launch.

If the PS5 had no disc versions at the start, it maybe would have been expected. Like any other company, sales of the PS5 were important at the beginning.

Due to a shortage of components, though, sales of the PS5 were slow for a while, and people had to wait months to get their hands on one.

So, we come down to why now?

One reason could be the imminent release of the game GTA6. This game has been in development for a year or so.

But this game will be digital only, and maybe Sony has looked at this format and made a decision. But there is more to it than meets the eye, and that’s MONEY.

If you buy the program or game digitally, the license is for one PlayStation username. Yes, the game is identical to the disc version, but the license is nontransferable.

This means when you buy a game, you cannot sell it. A non-transferable license is for the purchaser only.

So, looking at Rockstar Games and GTA 6, their quids in.

But look beyond GTA6, and you have the PlayStation Network, which has its own shop to sell digital downloadable games.

Here you can buy games, but some are expensive. Let’s look at an example. PlayStation Store sells Gran Turismo 7 for £69.99, yet on eBay a new disc version costs £31.90.

This is where the rip-off starts to show. It’s not even a few pence; it’s pounds.

But think of it. As soon as Sony makes all sales digital, the prices could rise, and there’s nothing you can do about it.

Owning a disc feels like you own the game. It gives you the opportunity to do as you wish, i.e. keep it, sell it or swap it.

All through life, we have seen mega corporate companies bully their clients just to make an extra buck.

But the most dangerous part of all this is that your digital game could be pulled by Sony at any time. They have done things like this before with the TV.

Our opinion is that this is down to greed over convenience or slimming down. The software houses beware, though, because the public are not going to buy rubbish games and be stuck with them. They just won’t buy them.

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Consumer

Subscription and Contract Scams

Ever received a bill for a subscription you cannot remember getting or a lack of information in your bank statement?

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Ever received a bill for a subscription you cannot remember getting or a lack of information in your bank statement?

The money just keeps going out, and you have nothing to show for it. Doing any sort of business online these days is a minefield.

We have subscriptions for websites that sell anything from cat food to music download sites. Yes, it’s always important to check you’re not in a subscription contract.

When you sign up on some website for a trial run of software and music, you may be asked to enter your credit card details. This will then mean that after the trial, if you don’t cancel, they will take their money monthly or yearly.

But there are many scams that can subscribe to their financial system, like the car park QR code scam. You want to pay for parking and scan the QR code, which takes you to a sign-up page.

Enter your credit card details, and that’s it no parking, just subscribed to a rogue site. Within 5 mins, you have £50 or more taken on a monthly subscription. And how’s that, you wonder.

People go round car parks and stick their QR codes over the real ones so unsuspecting customers go to a scam site. BEWARE.

Subscription scams are deceptive recurring charges—often triggered by fake free trials, hidden fees, or fraudulent renewal notices—that quietly bill your account without clear consent.

They typically involve misleading signups, brand impersonation, impossible-to-cancel subscriptions, and they can lead to financial loss or even malware infections.

Steps To Protect Yourself

  1. Verify before paying: Only share payment details with trusted, official websites.
  2. Use official channels: Avoid third-party links or pop-ups that look like official offers.
  3. Set up payment alerts: Enable notifications for new subscriptions or changes to existing ones.
  4. Review your bank statements: Check for unfamiliar or high charges regularly.
  5. Unsubscribe immediately: If you spot a suspicious subscription, cancel it and contact your bank.

Another important thing is to check and read the contract and how to cancel the subscription thoroughly.

Remember, you get a certain amount of protection with a credit card over £120, but the company that has the subscription rights can still get payment details even if you change your card number.

The only way to stop payment is to close your account or cancel your credit card account sometimes.

The government is currently looking at this subject to stop people being ripped off by subscription scammers.

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Consumer

Keeping Our Data Safe

Our data is one of the most important things we possess. Various information can be used against us by unscrupulous people.

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Our data is one of the most important things we possess. Various information can be used against us by unscrupulous people.  The government and our banks warn us about fraud and how to protect ourselves, but how can we protect ourselves from online signups and any-size websites?

Sign-up pages can ask for a variety of information. Basic signups are username, password and e-mail. But some signups include address, telephone number and sometimes DOB.

There is a lot of information in long signup forms. Also, imagine what you have given? You have given your name, your address and postcode, also your DOB, mobile number and e-mail address.

Let’s start with a basic signup. Username and password are not really a problem. Any site you use that asks for a password over 8 characters is usually strong. Then there is just the email address to fill in, except for the terms and conditions and the website advertising button.

The email address is usually your email address, but this can lead to problems. You have given a website your email, and it could be subject to spam. Your junk box usually helps, but some spam can get into your inbox.

Even if you uncheck the checkbox not to receive adverts, you can still get them. But sometimes it’s better to protect your main email address by having a junk email address for signups.

There are many free email companies like Gmail, Hotmail, Mail.com and Proton Mail. They are all good, and don’t put your own name in the email address; make something up.

Now we have your name and address. This seems reasonable for an e-commerce website that is delivering something. But giving your name and address, DOB and mobile number to a website that offers free wallpaper downloads is a no-no.

Adding your mobile number to a form has become common on larger corporate websites. You currently cannot sign up for certain sites without a phone number.

The only idea we have is that phone handsets are cheap now, and with SIM cards from £2.50 a month, you can have a spare phone to store all your secondary internet numbers. Yes, we get spam on our phones, and you try getting rid of and blocking the messages.

The last point is the DOB field in a form. This is starting to appear on forms now. You must ask why and what use your DOB is, maybe for spam.

At the end of the day, you must read the privacy statement to find out how your data is used. If they sell it people can have a lot of information about you.

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