Quick minor accident question - process

[funkyrobot]

My fiancee's vehicle was hit about an hour ago by another person in their vehicle. She had her door open in a car park, was loading up the car and a young girl whalloped the door and bent it back. Apparently, it shuts ok, it's just creased something on the door and caused minor damage.

My fiancee exchanged details (name, number, insurance company) at the scene and the other young lady departed.

So, are the next steps the following:

1. Contact lady later after work and discuss whether she wants to take the repair through her insurance or not.
2. If not, get a quote and send said quote to young lady. If yes, contact her insurer and report the incident, then contact my fiancee's insurer and let them know of the incident.
3. Await insurance process or book car in to bodyshop and bill young lady.

It's only a minor collision, but it has left damage. Do the above steps seem ok?

Thanks.

[funkyrobot]

Also, when can we put the whiplash claim in? I'll need to put in one too as I was in the car at the time.

[singlecoil]

Was the girl in question good looking? Did she seem amenable to making restitution without necessarily involving her insurance company

[funkyrobot]

singlecoil said:

Was the girl in question good looking? Did she seem amenable to making restitution without necessarily involving her insurance company

Don't know as wasn't at the scene. Shame

I'll chat about it with my fiancee when I get home later. Would have been good if she got photos, but she wouldn't have thought to do that. She has number plate, name and phone number though. And the place where the accident happened should have CCTV. Will need to act on that fast though if it's needed.

[anonymous-user]

funkyrobot said:

it's just creased something on the door and caused minor damage.

My fiancee exchanged details (name, number, insurance company) at the scene and the other young lady departed.

So, are the next steps the following:

1. Contact lady later after work and discuss whether she wants to take the repair through her insurance or not.
2. If not, get a quote and send said quote to young lady. If yes, contact her insurer and report the incident, then contact my fiancee's insurer and let them know of the incident.
3. Await insurance process or book car in to bodyshop and bill young lady.

It's only a minor collision, but it has left damage. Do the above steps seem ok?

Thanks.

Minor damagd can cost a bit to repair, a car reversed into other halfs drivers door (ford ka) a few months ago, I said no mither it should pull out no probs, cheapest quotes were £800ish so neighbour ended up banging it through his insurance in the end.

[funkyrobot]

Have notified our insurer. Also contacted the young girl who didn't really sound bothered and wants it to go through the insurer.

We will be contacting her insurer tomorrow.

Alarmingly, our insurer reckons it will be a 50/50. Hmmm, so my fiancee's car is parked up, someone hits it and it is partly her fault? Apparently, she shouldn't have left her door open. How the hell is she supposed to unload her vehicle with closed doors?

[Vipers]

funkyrobot said:

Have notified our insurer. Also contacted the young girl who didn't really sound bothered and wants it to go through the insurer.

We will be contacting her insurer tomorrow.

Alarmingly, our insurer reckons it will be a 50/50. Hmmm, so my fiancee's car is parked up, someone hits it and it is partly her fault? Apparently, she shouldn't have left her door open. How the hell is she supposed to unload her vehicle with closed doors?

Change insurances after they pay out.

[funkyrobot]

Vipers said:

funkyrobot said:

Have notified our insurer. Also contacted the young girl who didn't really sound bothered and wants it to go through the insurer.

We will be contacting her insurer tomorrow.

Alarmingly, our insurer reckons it will be a 50/50. Hmmm, so my fiancee's car is parked up, someone hits it and it is partly her fault? Apparently, she shouldn't have left her door open. How the hell is she supposed to unload her vehicle with closed doors?

Change insurances after they pay out.

They aren't my insurer.

We'll see what the girl's insurer says. Anyone think that this should be 50/50? I don't

[Vipers]

funkyrobot said:

They aren't my insurer.

We'll see what the girl's insurer says. Anyone think that this should be 50/50? I don't

Sorry, your fiancé's insures with this 50/50 crap.

[Nigel Worc's]

funkyrobot said:

We will be contacting her insurer tomorrow.

Alarmingly, our insurer reckons it will be a 50/50. Hmmm, so my fiancee's car is parked up, someone hits it and it is partly her fault? Apparently, she shouldn't have left her door open. How the hell is she supposed to unload her vehicle with closed doors?

That seems a very starnge thing for your insurance to say, I'd have a word with LoonR1 if I were you.

If somebody is parked illegaly, and you drive into them, the fact they are illegaly parked doesn't turn it into 50/50.

[LoonR1]

All depends on circumstances. If what you've posted is accurate then it's a 100% non fault claim.

[funkyrobot]

LoonR1 said:

All depends on circumstances. If what you've posted is accurate then it's a 100% non fault claim.

Thanks Loon.

Full story is this (complete detail):

My fiancee has an office located within a small town square. The square itself has a car park in the centre. She was in the process of unloading her vehicle with items for the office (she is a child support/project worker for a domestic violence charity and her car was full of children's toys for Christmas).

She was parked on double yellows (whoops) with her hazard lights on. This is something which all of the staff do when they are unloading (as soon as unloading is finished they move their vehicles to their allocated car park down the road). The place where she parked doesn't obstruct anything. Her offside (behind driver) door was open and she was taking items off the back seat and carrying them into the office.

Part way through the unloading process she heard a big bang, turned around and saw the young girl's vehicle pushing past her door. The girl drove past, stopped and got out of the vehicle. They had a chat and exchanged minimal details (the girl would only give car reg, insurer and mobile number). The girl didn't seem bothered and then left.

My fiancee then finished unloading (with the door now closed) and went to her car park.

When she got home I inspected the damage. The door itself shuts, but the top of the door is bent and bows out away from the door frame. I have managed to fill the gap with an old shower curtain and we will cover the car for the weekend (we are away). There is also a big crease all the way down the front portion of the door. It's a bit of a mess.

We then rang the girl up. She didn't sound bothered and said take it through the insurance company. We rang my fiancee's company and the rest is explained above. They have it down as a noted incident, but have told us to contact the girl's insurance company today (after she is supposed to have contacted them herself).

That's where we are with this now. Yes, she was on double yellow lines, but this doesn't give people free roam to crash into your vehicle.

[funkyrobot]

Nigel Worc's said:

That seems a very starnge thing for your insurance to say, I'd have a word with LoonR1 if I were you.

If somebody is parked illegaly, and you drive into them, the fact they are illegaly parked doesn't turn it into 50/50.

Thanks.

[LoonR1]

funkyrobot said:

Thanks Loon.

Full story is this (complete detail):

My fiancee has an office located within a small town square. The square itself has a car park in the centre. She was in the process of unloading her vehicle with items for the office (she is a child support/project worker for a domestic violence charity and her car was full of children's toys for Christmas).

She was parked on double yellows (whoops) with her hazard lights on. This is something which all of the staff do when they are unloading (as soon as unloading is finished they move their vehicles to their allocated car park down the road). The place where she parked doesn't obstruct anything. Her offside (behind driver) door was open and she was taking items off the back seat and carrying them into the office.

Part way through the unloading process she heard a big bang, turned around and saw the young girl's vehicle pushing past her door. The girl drove past, stopped and got out of the vehicle. They had a chat and exchanged minimal details (the girl would only give car reg, insurer and mobile number). The girl didn't seem bothered and then left.

My fiancee then finished unloading (with the door now closed) and went to her car park.

When she got home I inspected the damage. The door itself shuts, but the top of the door is bent and bows out away from the door frame. I have managed to fill the gap with an old shower curtain and we will cover the car for the weekend (we are away). There is also a big crease all the way down the front portion of the door. It's a bit of a mess.

We then rang the girl up. She didn't sound bothered and said take it through the insurance company. We rang my fiancee's company and the rest is explained above. They have it down as a noted incident, but have told us to contact the girl's insurance company today (after she is supposed to have contacted them herself).

That's where we are with this now. Yes, she was on double yellow lines, but this doesn't give people free roam to crash into your vehicle.

Double yellows doesn't really matter. Leaving the car unattended with the door open might be construed as contributory negligence.

[funkyrobot]

LoonR1 said:

Double yellows doesn't really matter. Leaving the car unattended with the door open might be construed as contributory negligence.

Ok, thanks. We'll see what the insurance company says.

[JackJack]

funkyrobot said:

Also, when can we put the whiplash claim in? I'll need to put in one too as I was in the car at the time.

And thats why we all pay more for insurance!

[singlecoil]

JackJack said:

funkyrobot said:

Also, when can we put the whiplash claim in? I'll need to put in one too as I was in the car at the time.

And thats why we all pay more for insurance!

I feel a whoosh coming on.

[surveyor]

LoonR1 said:

funkyrobot said:

Thanks Loon.

Full story is this (complete detail):

My fiancee has an office located within a small town square. The square itself has a car park in the centre. She was in the process of unloading her vehicle with items for the office (she is a child support/project worker for a domestic violence charity and her car was full of children's toys for Christmas).

She was parked on double yellows (whoops) with her hazard lights on. This is something which all of the staff do when they are unloading (as soon as unloading is finished they move their vehicles to their allocated car park down the road). The place where she parked doesn't obstruct anything. Her offside (behind driver) door was open and she was taking items off the back seat and carrying them into the office.

Part way through the unloading process she heard a big bang, turned around and saw the young girl's vehicle pushing past her door. The girl drove past, stopped and got out of the vehicle. They had a chat and exchanged minimal details (the girl would only give car reg, insurer and mobile number). The girl didn't seem bothered and then left.

My fiancee then finished unloading (with the door now closed) and went to her car park.

When she got home I inspected the damage. The door itself shuts, but the top of the door is bent and bows out away from the door frame. I have managed to fill the gap with an old shower curtain and we will cover the car for the weekend (we are away). There is also a big crease all the way down the front portion of the door. It's a bit of a mess.

We then rang the girl up. She didn't sound bothered and said take it through the insurance company. We rang my fiancee's company and the rest is explained above. They have it down as a noted incident, but have told us to contact the girl's insurance company today (after she is supposed to have contacted them herself).

That's where we are with this now. Yes, she was on double yellow lines, but this doesn't give people free roam to crash into your vehicle.

Double yellows doesn't really matter. Leaving the car unattended with the door open might be construed as contributory negligence.

What difference would it make if his fiancée had been in the door other than she would be in hospital?

Sounds like a payout saving to me!

[daz3210]

All I can add is thank fook that there wasn't a small child exiting the door at the time!

How can even an open door be contributory negligence? Is a car door not like big enough to see?

[LoonR1]

daz3210 said:

All I can add is thank fook that there wasn't a small child exiting the door at the time!

How can even an open door be contributory negligence? Is a car door not like big enough to see?

I said "could" not "will".

It COULD be seen as CN as itales the car wider for no good reason and dependent upon the manoeuvre ie reversing could make it unreasonable for the other driver to always see it.

Note the use of the word "could" not "will".