Car reversed into me, what should I do?

Car reversed into me, what should I do?

Author
Discussion

swisstoni

16,845 posts

278 months

Wednesday 18th January 2017
quotequote all
Get it fixed yourself. Do not tell insurers.
£3k excess means that you will not be troubling your insurance company unless something gets trashed.

ps. If you DO tell the insurers, you will still be paying to get it fixed. You will pay the first £3k of anything obviously.
You will have your NCB reduced.
Your next premium will be a good bit higher.

Edited by swisstoni on Wednesday 18th January 09:49

Leptons

5,113 posts

175 months

Wednesday 18th January 2017
quotequote all
Could you just confirm what car it is you've bought?

Muddle238

3,871 posts

112 months

Wednesday 18th January 2017
quotequote all
What I don't understand is why having been reversing, stopping and putting the car in D and establishing that there was another vehicle reversing towards you, you decided to blow the horn 5-6 times. Why not pull forwards out of the way? In my opinion the horn should be a last resort, after all other options have been exhausted.

Then there's the case of the £3,000 excess. Now I don't know what your financial situation is and what sort of lifestyle you have, but I consider £3k excess excessive. Why is it so high? If that's the only insurance policy you can get for the vehicle, then may I suggest that an Audi Q7 is an unsuitable vehicle choice. You mention something about a £26k insurance policy, £26k!! Nobody in this world needs a VAG SUV enough to be paying a £26k insurance premium.

I'm sorry I'm not being constructive in this scenario but there's far too much wrong with this, before we even get to the fender bender in question.

KevinCamaroSS

11,553 posts

279 months

Wednesday 18th January 2017
quotequote all
rainmakerraw said:
On any auto I've ever driven R and D are next to each other and take a microsecond to switch between. You don't even need to press the button!
Conversely, on every auto I have ever seen/driven Neutral is always between D and R.

road_rager

1,091 posts

198 months

Wednesday 18th January 2017
quotequote all
swisstoni said:
Get it fixed yourself. Do not tell insurers.
£3k excess means that you will not be troubling your insurance company unless something gets trashed.

ps. If you DO tell the insurers, you will still be paying to get it fixed. You will pay the first £3k of anything obviously.
You will have your NCB reduced.
Your next premium will be a good bit higher.

Edited by swisstoni on Wednesday 18th January 09:49
I agree with this 100%

brrapp

3,701 posts

161 months

Wednesday 18th January 2017
quotequote all
Mrsweet1991 said:
They have a dent, i dont even have a blemish to my car
Why are you worrying about your excess?
You've said that there is no damage to your car, and you don't pay an excess on damage to someone else's car.
Inform your insurance of the incident and the very worst case scenario is that they'll record it as as a fault claim and you'll potentially lose part or all of your no claims discount next year (if you have any).

tejr

3,101 posts

163 months

Wednesday 18th January 2017
quotequote all
Firstly - LOL@ asking this question on Pistonheads and not realising everyone will want to see your last 3 years worth of self assessements, 5 years worth of driving history and a picture of your dog so they can judge the hell out of your life style before they will even attempt to answer your question!

Secondly - £3k excess ! damn! Where do you live? Ilford?

Thirdly - don't worry.. there won't be £3k of damage .. and either way if your car is OK, and you have a witness you won't have to pay a thing.

maccas99

1,697 posts

187 months

Wednesday 18th January 2017
quotequote all
3k excess, Q7, brand new user registered yesterday & lots of small spelling and grammar mistakes.

I'm calling custard at this stage. Picture of the Q7 with you and a tin of custard required.

swisstoni

16,845 posts

278 months

Wednesday 18th January 2017
quotequote all
tejr said:
Firstly - LOL@ asking this question on Pistonheads and not realising everyone will want to see your last 3 years worth of self assessements, 5 years worth of driving history and a picture of your dog so they can judge the hell out of your life style before they will even attempt to answer your question!

Secondly - £3k excess ! damn! Where do you live? Ilford?

Thirdly - don't worry.. there won't be £3k of damage .. and either way if your car is OK, and you have a witness you won't have to pay a thing.
Apart from next year's increased premium. And the year after that. And the year after that ...

saaby93

32,038 posts

177 months

Wednesday 18th January 2017
quotequote all
road_rager said:
swisstoni said:
Get it fixed yourself. Do not tell insurers.
£3k excess means that you will not be troubling your insurance company unless something gets trashed.

ps. If you DO tell the insurers, you will still be paying to get it fixed. You will pay the first £3k of anything obviously.
You will have your NCB reduced.
Your next premium will be a good bit higher.
I agree with this 100%
Why do you agree with this?
As far as the OP is concerned there is nothing to be fixed rofl

tejr

3,101 posts

163 months

Wednesday 18th January 2017
quotequote all
swisstoni said:
Apart from next year's increased premium. And the year after that. And the year after that ...
Good point. But OP says there is no damage to his car. In which case his actions should be to do nothing. Especially NOT to inform his own insurance company.

rainmakerraw

1,222 posts

125 months

Wednesday 18th January 2017
quotequote all
KevinCamaroSS said:
Conversely, on every auto I have ever seen/driven Neutral is always between D and R.
Quite. That's what happens when you post at stupid o'clock and omit the word 'almost'. hehe TBF the OP's account was so fragmented and contradictory it's hardly surprising. The rest of the points/questions are perfectly valid.

tannhauser

1,773 posts

214 months

Wednesday 18th January 2017
quotequote all
Mrsweet1991 said:
Taz1383 said:
Why put your excess at 3k if you can't afford it? You're clearly driving something beyond your means. Get a cheap car, pay £250 excess, end of.

Treat this as an expensive lesson.
Hi Taz,

I never chose 3k excess, it was all that was available given my history. The only time the 3k excess dropped to £250 is when the premiums went to 26k or so as opposed to the 1.7k premium i have now. In addition, i never did say i couldnt pay the 3k, i had money in my bank prior to taking the insurance But.. its potentially a 3k loss so of course its still a big deal regardless.
Clearly the vehicle is way beyond your means.

kayzee

2,781 posts

180 months

Wednesday 18th January 2017
quotequote all
brrapp said:
Mrsweet1991 said:
They have a dent, i dont even have a blemish to my car
Why are you worrying about your excess?
You've said that there is no damage to your car, and you don't pay an excess on damage to someone else's car.
Inform your insurance of the incident and the very worst case scenario is that they'll record it as as a fault claim and you'll potentially lose part or all of your no claims discount next year (if you have any).
Yup I had similar, in as much as I hit a car whilst moving very slowly... no damage to my car, but a small blemish to their bumper. Asked to settle outside of insurance, but they wouldn't. Told insurance company, lost a few years NCB (it wasn't protected, but I didn't lose all of it) and my premium went up about £50 the following year.

kaisah16

32 posts

117 months

Wednesday 18th January 2017
quotequote all
Similar thing happened to me recently. Driving the GF's corsa, I had reversed fully out of my space, and was just about to pull away when an old man reversed out of his space also, straight into the side of me. The rear of his car hit the passenger side of me square on.

He was very apologetic and said he just hadn't seen me. Was about 85, and I doubt he could see much tbh. Admitted it was his fault. Took down his details and my GF rang her insurance. Only £200 excess but had to pay this on return of the car after repair (repair bill approx. £1800, damage to door and sills etc).

Still waiting for the insurance to sort it out however the old mans insurance is, of course, denying liability. They have offered 50/50.. we are obviously pushing for full blame on their part.

So, down £200, and this will put her insurance up approx. £200 a year. And mine also as she is a named driver, so I have to declare the bump on mine. Puts mine up approx. £300 a year.

So all in this little bump will cost us around £700 this year alone. I hate insurance companies with a passion. Royally screwed around by one back in 2008. They are all dishonest and are just interested in settling 50/50 so they can put as many peoples premiums up as possible..

I reckon a good body shop could have repaired the door and sills for <£700, so next time something like this happens ill be tempted to avoid going though insurance if possible, although this is technically the wrong thing to do.

Jonno02

2,246 posts

108 months

Wednesday 18th January 2017
quotequote all
kaisah16 said:
text
Imagine my hatred for them when in 2015, I had a car smashed to pieces and I wasn't even in the country. But that makes me more likely to have another accident. Mmhm.

It put my insurance from £900 to £1800 come renewal with my company at the time. They did not get a returning customer, even when they offered to beat my new quote with another firm (£800) by £10. Principal is worth more than a measly £10.

FredAstaire

2,336 posts

211 months

Wednesday 18th January 2017
quotequote all
why is the third party telling you how much it will cost to fix their car? Did you admit liability or offer to pay their repair?

how much damage to the Q7?

Monkeylegend

26,226 posts

230 months

Wednesday 18th January 2017
quotequote all
FOR THE HARD OF HEARING OP'S CAR DOES NOT HAVE ANY DAMAGE. WHY DON'T PEOPLE READ BEFORE POSTING

As you were hehe

Iva Barchetta

44,044 posts

162 months

Wednesday 18th January 2017
quotequote all
Monkeylegend said:
FOR THE HARD OF HEARING OP'S CAR DOES NOT HAVE ANY DAMAGE. WHY DON'T PEOPLE READ BEFORE POSTING

As you were hehe
Make that......HARD OF READING.....HTH.....readitbiggrin

Monkeylegend

26,226 posts

230 months

Wednesday 18th January 2017
quotequote all
Iva Barchetta said:
Monkeylegend said:
FOR THE HARD OF HEARING OP'S CAR DOES NOT HAVE ANY DAMAGE. WHY DON'T PEOPLE READ BEFORE POSTING

As you were hehe
Make that......HARD OF READING.....HTH.....readitbiggrin
Funnily enough I was going to put hard of reading but didn't think people would readit as ably demonstrated by this and many other threads wink