Farmer claiming for damaged fence
Discussion
I don't need any moral advice or thoughts on parenting skills.
A friends son has lost control of his car smashing through a fence and ending up in a field upside down.
He's 18. I know.
Can the farmer insist on claiming for the fence? This is about damage limitation now and the kid's car insurance will go through the roof if he claims. The kid has offered (they're farmers too) to repair the fence but the old boy is adamant he wants to claim.
A friends son has lost control of his car smashing through a fence and ending up in a field upside down.
He's 18. I know.
Can the farmer insist on claiming for the fence? This is about damage limitation now and the kid's car insurance will go through the roof if he claims. The kid has offered (they're farmers too) to repair the fence but the old boy is adamant he wants to claim.
Upinflames said:
I don't need any moral advice or thoughts on parenting skills.
A friends son has lost control of his car smashing through a fence and ending up in a field upside down.
He's 18. I know.
Can the farmer insist on claiming for the fence? This is about damage limitation now and the kid's car insurance will go through the roof if he claims. The kid has offered (they're farmers too) to repair the fence but the old boy is adamant he wants to claim.
The cost of the fence won’t make any difference if he’s already claiming for the damaged car. The farmer can make his claim any way he likes and he has the right to, he is the injured (in the legal not medical sense) party. A friends son has lost control of his car smashing through a fence and ending up in a field upside down.
He's 18. I know.
Can the farmer insist on claiming for the fence? This is about damage limitation now and the kid's car insurance will go through the roof if he claims. The kid has offered (they're farmers too) to repair the fence but the old boy is adamant he wants to claim.
Upinflames said:
Can the farmer insist on claiming for the fence? This is about damage limitation now and the kid's car insurance will go through the roof if he claims. The kid has offered (they're farmers too) to repair the fence but the old boy is adamant he wants to claim.
The kid has offered to pay a contractor to repair the fence to a professional standard? Or do it himself. If the farmer has the option of a professional repair and avoiding insurance then perhaps he can be persuaded. Or perhaps he wants to teach the driver a lesson?
Edited by Evanivitch on Wednesday 10th April 20:04
Upinflames said:
I don't need any moral advice or thoughts on parenting skills.
A friends son has lost control of his car smashing through a fence and ending up in a field upside down.
He's 18. I know.
Can the farmer insist on claiming for the fence? This is about damage limitation now and the kid's car insurance will go through the roof if he claims. The kid has offered (they're farmers too) to repair the fence but the old boy is adamant he wants to claim.
You can understand why the farmer would rather have his fence repaired by professionals than an 18 year old.A friends son has lost control of his car smashing through a fence and ending up in a field upside down.
He's 18. I know.
Can the farmer insist on claiming for the fence? This is about damage limitation now and the kid's car insurance will go through the roof if he claims. The kid has offered (they're farmers too) to repair the fence but the old boy is adamant he wants to claim.
Yes he can insist.
The farmer can insist his fence is repaired to a decent standard but he can't demand driver's insurance pays for it. The insurance is there to pick up the bills for damage caused by their policyholder/driver, but only if their policyholder/driver asks them to. The policyholder/driver is quite entitled to pay for the damage himself.
Reading between the lines, I think the dispute is that the friend's son wants to repair the fence himself personally for just the cost of materials and time (presumably very little £).
The farmer wants to put in a claim for £thousands and then repair it himself personally for just the cost of materials and time (presumably very little £).
The farmer wants to put in a claim for £thousands and then repair it himself personally for just the cost of materials and time (presumably very little £).
TwigtheWonderkid said:
The farmer can insist his fence is repaired to a decent standard but he can't demand driver's insurance pays for it. The insurance is there to pick up the bills for damage caused by their policyholder/driver, but only if their policyholder/driver asks them to. The policyholder/driver is quite entitled to pay for the damage himself.
I don't think thats right is it? If a driver insists on "not going through the insurance" you are saying that they have that right? Not my understanding at all. I asked my insurer to claim against a driver who was desperate to avoid a claim and begging to let him arrange a repair. It was a clear cut case as I was parked and walking away from the car when he hit it. He wouldn't provide details but his reg was enough for them to determine who his insurer was and he was found at fault. I don't see why the farmer in this case would be a different position. Stuff em. Fricking farmers where I live are all self-righteous (south warwickshire village). Twice I've had smashed windscreens from muck thrown from thei tyres when no reg seen. They plead the innocent party but act like the opposite when it suits them.
What goes around..... hope your 18yo earns a lesson but fee free from "giles"
What goes around..... hope your 18yo earns a lesson but fee free from "giles"
My wife's car was hit in the side by a new driver pulling out of a junction (which was the road the new driver happened to live on). Damage was moderate (damage to two doors). Girl driving the car was in tears, calls her dad who lived literally a couple of hundred meters away. He comes out and pleads with my wife not to make a claim on their insurance and let him settle it. Wife feels sorry for the girl and agrees. We get a couple of quotes from authorised body shops. The dad starts to quibble, implying we are looking to make a gain out of the accident, and suggesting we need to use his body shop which he thinks is more "reasonable".
This is exactly what I suspected would happen. We delete and block his number, report the accident, and make a claim on her insurance as we should have originally done. Car then gets fixed at one of the original body shops which I was happy with.
Why is this relevant? The farmer with the damaged fence knows, like I do now, there is no point in entering negotiation with the person who did the damage. Just let the insurance companies figure out where the blame lies and the farmer can then get the damage fixed without any risk of being 'nickel and dimed'.
This is exactly what I suspected would happen. We delete and block his number, report the accident, and make a claim on her insurance as we should have originally done. Car then gets fixed at one of the original body shops which I was happy with.
Why is this relevant? The farmer with the damaged fence knows, like I do now, there is no point in entering negotiation with the person who did the damage. Just let the insurance companies figure out where the blame lies and the farmer can then get the damage fixed without any risk of being 'nickel and dimed'.
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