Car reversed into me, what should I do?

[Mrsweet1991]

HannsG said:

I went into the back of a woman as she fukin braked in the middle of a busy roundabout as she thought she saw a ghost.

I st you not. Her 500quid Ford Ka had a bumper damaged. I popped it out.

Then I saw the claim for £8k which the insurance company shelled out for. I was in complete shock to be honest..£8k!!!!!!

I now have this on my insurance record as a claim for the next three years.

Chalk it up to experience

I do think now it might have been a setup. £8k....unbelievable

EDIT: Just read that you have £3k excess, are you crazy? If you can't afford it don't drive it.

Madness

Edited by HannsG on Thursday 19th January 01:06

hanns.. ive stated about 3 times throughout this thread that i have the 3k in place if need be.. my question was opinions on the incident thats all but just to recap for new readers that insurance has been cancelled and i have a new policy with 300 excess and this incidents been sorted.

[kayzee]

Pothole said:

Mrsweet1991 said:

Nickyboy said:

Driving barely 8 years and already 5 claims? Jesus wept, i'd be looking at my driving amongst other things.

2 claims where made when my car was in a car park and someone scuffed the side

1 claim was third partys fault

The other 2 was a fraudulant claim and a 70/30 split (30% my fault)

Put those 5 claims into perspective i wouldnt say its my driving..

Stop claiming for car park damage. It's not worth it long term unless damage is significant.

Probably the most sensible thing I've heard to be honest! I've 2 had little knocks in my 13 years of driving and I just paid for the repairs myself (no other cars involved of course) I wouldn't dream of claiming on the insurance unless it was a right off!

Saying that, my cars were only worth a few thousand... maybe if it were more, I'd be thinking differently.

[anonymous-user]

Mrsweet1991 said:

Hi All,

Im in a terrible position, ive just got myself a Q7 and my insurance excess is 3K. 2 days into my insurance ive had a bump! So ill try to explain how it happened:

I was reversing out of my parking bay, my Q7 is now completely out of my bay (front end of the car is clear of parking bay lines)

I see a white reverse light appear behind me, i quickly change from Reverse to Drive but before even getting into Drive the car behind starts reversing! I panik and manage to sound my horn 5 - 6 times but they continued to reverse until they hit me.

I get out in disbelief, two people get out the car and quite frankly seem oblivious to how it happened. One said to me

"was you going into the parking space or?"
"My rear sensors never went off"

Im looking at my big Q7 which at the time of stopping would have been in complete view of his back window and drivers side wing mirror thinking, how can you be that oblivious? Given that hes talking about his "parking sensors" and not knowing if i was "leaving or entering the parking space" he was even in cuckoo land or very likely staring at the reverse sensor screen as it would be impossible not to see my Q7 with any basic check, oh and not to forget 5-6 sounds of the horn, stopping at any of those would have prevented impact.

So im worried now, i have no doubt i wouldnt be at fault, i even had a woman see my distress in the car park and she said she would be a witness and gave me her details. But my excess is £3000! Would i have to pay that and hopefully get it back in a few months assuming the third party was proven at fault?

The guy told me the garage quoted him £250 replace the little bumper piece (I've seen this same piece second hand for £40) but even if i was to contenplate settling outside to avoid a loss of no claims and higher excess, they have years after to claim for injuries...

Could i have opinions please?

To recap on the insident, my cars position at the time of the other car engaging reverse gear was all the way out of the parking bay, my car was at a complete stop the moment their reverse light came on and then bibbed 5 - 6 times before they finally made contact with my car. They have a dent, i dont even have a blemish to my car, and not one of us actually felt the impact so im curious as to whether it could be a con claim (but that can be debated at a later date)

If you've made it this far i appreciate your time and your opinions on the matter.

Edited by Mrsweet1991 on Wednesday 18th January 00:21

Edited by Mrsweet1991 on Wednesday 18th January 00:47

25/26 with a Q7 on £3000 excess, cannot park properly.

[Mrsweet1991]

sleepera6 said:

25/26 with a Q7 on £3000 excess, cannot park properly.

Can you elaborate on "parking properly"?

[Mandat]

Mrsweet1991 said:

sleepera6 said:

25/26 with a Q7 on £3000 excess, cannot park properly.

Can you elaborate on "parking properly"?

Presumably a reference to your numerous parking incidents/claims.

[Mrsweet1991]

Mandat said:

Presumably a reference to your numerous parking incidents/claims.

If it was, that would be absolutely ridiculous. On both occasions i left my car parked (perfectly fine) and returned to find scuff marks.

[deltashad]

Glad you got it sorted Mrs.
Read through the saga. You've learned from your mistakes and the last few years you've made a few. Nevermind, looks like you have a decent policy now that wont take you to the cleaners.

As others have said and you now know. Avoid speaking to your insurers if at all possible. They are not your friends.

Is it a full moon tonight?

[Mrsweet1991]

deltashad said:

Glad you got it sorted Misses.
Read through the saga. You learned from your mistakes and the last few you've made a few. Nevermind, looks like you have a decent policy now that wont take you to the cleaners.

As others have said and you now know. Avoid speaking to your insurers if at all possible. They are not your friends.

Thank you very much, and i definitelty wont be "notifying" them of scuffs ever again haha.

[JM]

I daresay your experience with non-fault claims backs up the often ridiculed reasoning by insurance companies that if you have one non-fault claim you are more likely to have another within a short space of time from the previous incident.