Discussion
Hi, need some advice.
I have a lease on a car in my name. The car in question is registered in my name, however my ex-fiancée has always insured the car and paid the lease money as the car was for her. She didn't have a full driving licence at the time so we took it out under my name.
She is now returning the car to me in October (I have this in writing). I've not got any problem or issue with this financial wise etc, but there is considerable damage done to the car. She says she has been involved in an accident, but she didn't get contact details of the person nor reported it to the Police.
Since I don't have the car back yet, I can't get a quote to repair the damage, but since it's on a lease, the dealership states it has to be repaired by one of their authorised repair shops.
I understand the car is in my name, therefore I am responsible for the damage to it, but since she has admitted this "crash" happened while she was in possession of the vehicle, and the vehicle is insured to her, can I hold her accountable for the cost of the repair? I know she'll refuse to pay anything towards it, so just wondered if I went to small claims court or made a claim to her insurance company, do I have a leg to stand on at all?
I have a lease on a car in my name. The car in question is registered in my name, however my ex-fiancée has always insured the car and paid the lease money as the car was for her. She didn't have a full driving licence at the time so we took it out under my name.
She is now returning the car to me in October (I have this in writing). I've not got any problem or issue with this financial wise etc, but there is considerable damage done to the car. She says she has been involved in an accident, but she didn't get contact details of the person nor reported it to the Police.
Since I don't have the car back yet, I can't get a quote to repair the damage, but since it's on a lease, the dealership states it has to be repaired by one of their authorised repair shops.
I understand the car is in my name, therefore I am responsible for the damage to it, but since she has admitted this "crash" happened while she was in possession of the vehicle, and the vehicle is insured to her, can I hold her accountable for the cost of the repair? I know she'll refuse to pay anything towards it, so just wondered if I went to small claims court or made a claim to her insurance company, do I have a leg to stand on at all?
No, we were informed by the dealership we could insure it with anybody. They were offering us a years free insurance, but she couldn't use it on the car as the condition was you had to have a minimum of 1 years driving under your belt, but she didn't have that, so we got other extras instead.
No, Purple was not asking if the lease required you to insure with a particular company, but whether the contract required that you, as the leaseholder, were required to be a named driver on that insurance. If you were, simple, make a claim on that insurance. It might make the hall of fame of claims, where you write "no idea what happened, the ex crashed it and wont tell me" but hey, c'est la vie. The other alternatives are "bend over and let the lease company take a blank cheque" or "repair it so they don't notice"
I am/was (have no contact with ex now) a named driver on her insurance policy.
The car has since been in for a service, so the damage has been noted by the dealership, so I can't get away with a cheap job somewhere else, otherwise they may ask for proof it was repaired by one of their people.
The car has since been in for a service, so the damage has been noted by the dealership, so I can't get away with a cheap job somewhere else, otherwise they may ask for proof it was repaired by one of their people.
Jasandjules said:
So contact her insurer and make a claim....
^^^^^^ thisOne of you (probably you) will be paying the excess for the repair, but better that than the full repair cost. Not sure if her insurance will accept the claim off you as a named driver though. I'd suggest getting (or trying to get) it logged soon too, the last thing you want is trying to do it after she's cancelled the policy or transferred it to her new car.
There's a big assumption here that she was the innocent driver too, which is quite possibly not the case. IME when a woman is being evasive around damage to a car, it means she's hiding a lot more info.
Paul1990 said:
Hi, need some advice.
I have a lease on a car in my name. The car in question is registered in my name, however my ex-fiancée has always insured the car and paid the lease money as the car was for her. She didn't have a full driving licence at the time so we took it out under my name.
She is now returning the car to me in October (I have this in writing). I've not got any problem or issue with this financial wise etc, but there is considerable damage done to the car. She says she has been involved in an accident, but she didn't get contact details of the person nor reported it to the Police.
Since I don't have the car back yet, I can't get a quote to repair the damage, but since it's on a lease, the dealership states it has to be repaired by one of their authorised repair shops.
I understand the car is in my name, therefore I am responsible for the damage to it, but since she has admitted this "crash" happened while she was in possession of the vehicle, and the vehicle is insured to her, can I hold her accountable for the cost of the repair? I know she'll refuse to pay anything towards it, so just wondered if I went to small claims court or made a claim to her insurance company, do I have a leg to stand on at all?
You say the lease car is registered in your name and by that I assume that you are saying the V5 has your name and address on it.I have a lease on a car in my name. The car in question is registered in my name, however my ex-fiancée has always insured the car and paid the lease money as the car was for her. She didn't have a full driving licence at the time so we took it out under my name.
She is now returning the car to me in October (I have this in writing). I've not got any problem or issue with this financial wise etc, but there is considerable damage done to the car. She says she has been involved in an accident, but she didn't get contact details of the person nor reported it to the Police.
Since I don't have the car back yet, I can't get a quote to repair the damage, but since it's on a lease, the dealership states it has to be repaired by one of their authorised repair shops.
I understand the car is in my name, therefore I am responsible for the damage to it, but since she has admitted this "crash" happened while she was in possession of the vehicle, and the vehicle is insured to her, can I hold her accountable for the cost of the repair? I know she'll refuse to pay anything towards it, so just wondered if I went to small claims court or made a claim to her insurance company, do I have a leg to stand on at all?
I do not believe you as all personal lease cars have the V5 in the lease companies name so either this thread is made up or your car is not leased.
btcc123 said:
You say the lease car is registered in your name and by that I assume that you are saying the V5 has your name and address on it.
I do not believe you as all personal lease cars have the V5 in the lease companies name so either this thread is made up or your car is not leased.
Good spot. 41 months a member and only 6 posts. Another one following the trend. I do not believe you as all personal lease cars have the V5 in the lease companies name so either this thread is made up or your car is not leased.
LoonR1 said:
btcc123 said:
You say the lease car is registered in your name and by that I assume that you are saying the V5 has your name and address on it.
I do not believe you as all personal lease cars have the V5 in the lease companies name so either this thread is made up or your car is not leased.
Good spot. 41 months a member and only 6 posts. Another one following the trend. I do not believe you as all personal lease cars have the V5 in the lease companies name so either this thread is made up or your car is not leased.
I cannot see a main dealer letting the lease deal go through in these circumstances.
Edited to say the OP said "She didn't have a full driving licence at the time so we took it out under my name".
So if she did not have a full licence why lease a car as it will have to have "L" plates on the car and an experienced driver sat beside her,seams very strange for a learner driver.
Yup back to school on Monday.
Edited by btcc123 on Friday 4th September 23:24
Paul1990 said:
Thanks for the childish responses. Just went to the police and insurance company in the end and got answers from them.
The V5 is signed in my name. Do some homework on leases before insulting.
Why did you go to the police and what answers did you get from them. In fact what questions did you ask them?The V5 is signed in my name. Do some homework on leases before insulting.
Ditto what questions and answers with the insurance company?
LoonR1 said:
Why did you go to the police and what answers did you get from them. In fact what questions did you ask them?
Ditto what questions and answers with the insurance company?
I reckon the police fully mobilised that van they have that isn't quite a riot a van, but looks like one if you live in suburbia.Ditto what questions and answers with the insurance company?
The insurance company either just paid up or didn't but put a marker on his insurance database quote record with -2.64 years NCB quotient. 16% discount if you use the singer rather than the meerkat.
The only true answer is swapping damage for sexual favours.
Or that it is all made up.
Paul1990 said:
Thanks for the childish responses. Just went to the police and insurance company in the end and got answers from them.
The V5 is signed in my name. Do some homework on leases before insulting.
From a leasing company website:The V5 is signed in my name. Do some homework on leases before insulting.
Q. Who owns the car?
A. On both ‘business contract hire’ and ‘personal contract hire’ the finance company are the legal owner of the car and keeper on the V5 document.
Q. Is the OP a as
ole?A. Yes.
btcc123 said:
Paul1990 said:
Thanks for the childish responses. Just went to the police and insurance company in the end and got answers from them.
The V5 is signed in my name. Do some homework on leases before insulting.
From a leasing company website:The V5 is signed in my name. Do some homework on leases before insulting.
Q. Who owns the car?
A. On both ‘business contract hire’ and ‘personal contract hire’ the finance company are the legal owner of the car and keeper on the V5 document.
Q. Is the OP a as
ole?A. Yes.
t like this. What's in it for you? Some misguided belief that you get 'Internet Aspergers' points?
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