Car Park Damage
Discussion
bad company said:
Mrs BC just caled from he supermarket car park. Her car has been damaged and there is corresponding damage \ paint on the car parked next to her.
Told her to take photo's and wait for the other driver. Any other advice?
She only needs the plate number of the offending car and can inform her insurance company. They will take care of the rest.Told her to take photo's and wait for the other driver. Any other advice?
Photos are invaluable nowadays so keep those. Ask the supermarket security if they have any footage you could have. But I doubt it'll be needed.
Edited by volvoforlife on Friday 28th January 13:44
AcidReflux said:
Give the other driver the opportunity to avoid going through insurance...
Why? If they have left no note on the windscreen or with the shop, f
k them. Im just about to fill out a witness report for a car me and my OH seen hit in a car park. The driver just reversed, parked behind and walked away. Never checked for damage to either her car or the one she hit. I think people shuold be brought through the criminal system if they pretend like nothing happened.UPDATE
The other driver returns apparently looking very sheepish. Said she did not know she had hit the car but when threatened with police said 'I suppose I must have done then'.
Mrs BS has the drivers name, address and insurance details but she did not want anything from us? Very odd.
Mrs BC has gone home and will call our insurance company. Wonder if it's worth getting a quote first to see if the driver wants to pay?
The other driver returns apparently looking very sheepish. Said she did not know she had hit the car but when threatened with police said 'I suppose I must have done then'.
Mrs BS has the drivers name, address and insurance details but she did not want anything from us? Very odd.
Mrs BC has gone home and will call our insurance company. Wonder if it's worth getting a quote first to see if the driver wants to pay?
bad company said:
UPDATE
The other driver returns apparently looking very sheepish. Said she did not know she had hit the car but when threatened with police said 'I suppose I must have done then'.
Mrs BS has the drivers name, address and insurance details but she did not want anything from us? Very odd.
Mrs BC has gone home and will call our insurance company. Wonder if it's worth getting a quote first to see if the driver wants to pay?
She knew alright, what a crock. Impossible to chip paint on a car and not know. What I'd do is call her up and say that you're prepared to settle for cash, to avoid her losing her no claims and her insurance doubling next year (lay it on, she won't know). That way you don't end up with all the fuss, and the possible 50/50 plus loss of your own NCB if she decides to deny it later. (Obviously get a quote first, not really appropriate if it's £1K or something)The other driver returns apparently looking very sheepish. Said she did not know she had hit the car but when threatened with police said 'I suppose I must have done then'.
Mrs BS has the drivers name, address and insurance details but she did not want anything from us? Very odd.
Mrs BC has gone home and will call our insurance company. Wonder if it's worth getting a quote first to see if the driver wants to pay?
Up to you, really. You could just assign a figure if it's very minor damage, ring up the woman and if she says she'd rather go through insurance, do that. Otherwise pop round and get the cash. If you leave it too long and then go through insurance anyway the insurance might ask why, not sure what their terms are. Or if you're not confident on assessing the damage and can't get a quote right away (I did, the other month, just drove to a bodyshop) then it's probably best to go through the insurance anyway.
hora said:
What sort of damage are we talking and the car?
The car is a TVR Chimaera. I have not seen the damage yet but I'm told that there is around a 2 inch hole in the fibreglass.On balance I think inform the insurer today and see if we can get a quote on the quick before making a formal claim. I don't think it will look for the other driver if she has not even taken our details.
bad company said:
The car is a TVR Chimaera. I have not seen the damage yet but I'm told that there is around a 2 inch hole in the fibreglass.
On balance I think inform the insurer today and see if we can get a quote on the quick before making a formal claim. I don't think it will look for the other driver if she has not even taken our details.
Go through insurance then On balance I think inform the insurer today and see if we can get a quote on the quick before making a formal claim. I don't think it will look for the other driver if she has not even taken our details.
I thought it was a scrape on an old Nissan or something!Something lots of folk don't seem to know: you can claim directly on the other party's insurance yourself. You don't have to add to the beaurocratic process by using your own insurer to make a claim. Keep your own insurer informed of the claim, of course, but if you get your own insurer to claim on your behalf, you'll still have to cover your excess and then claim that back from the other party's insurer. If you go to the other party's insurance directly it's simpler.
Simpler still would be the other driver giving you cash against a quote for the repair, but given the damage you've described it seems unlikely to be a small repair bill.
Simpler still would be the other driver giving you cash against a quote for the repair, but given the damage you've described it seems unlikely to be a small repair bill.
Celt said:
Why? If they have left no note on the windscreen or with the shop, fk them. Im just about to fill out a witness report for a car me and my OH seen hit in a car park. The driver just reversed, parked behind and walked away. Never checked for damage to either her car or the one she hit. I think people shuold be brought through the criminal system if they pretend like nothing happened.
It's not the criminal system: it's the insurance process.k them. Im just about to fill out a witness report for a car me and my OH seen hit in a car park. The driver just reversed, parked behind and walked away. Never checked for damage to either her car or the one she hit. I think people shuold be brought through the criminal system if they pretend like nothing happened.Unfortunately, both the third party and the OP's wife will see their insurance premiums rise after a claim like this. Many people consider this practice to be unfair on the innocent party and some might say that this unwarranted penalty makes it worth keeping the accident hidden from the insurance companies.
AcidReflux said:
It's not the criminal system: it's the insurance process.
Unfortunately, both the third party and the OP's wife will see their insurance premiums rise after a claim like this. Many people consider this practice to be unfair on the innocent party and some might say that this unwarranted penalty makes it worth keeping the accident hidden from the insurance companies.
That's what is worrying me. Mrs BC had a claim which was her fault last August so 2 claims in the same insurance year is not good at all.Unfortunately, both the third party and the OP's wife will see their insurance premiums rise after a claim like this. Many people consider this practice to be unfair on the innocent party and some might say that this unwarranted penalty makes it worth keeping the accident hidden from the insurance companies.
My insurance went up by £300 this year despite not having had any claims in the last 5 years.
So if you make a claim, your premium goes up. If there is a general increase in claims, yours goes up anyway because of their claims which are totally unrelated to you.
So everyone should just claim because you're damned if you do and you're damned if you don't.
So if you make a claim, your premium goes up. If there is a general increase in claims, yours goes up anyway because of their claims which are totally unrelated to you.
So everyone should just claim because you're damned if you do and you're damned if you don't.
UPDATE 2
We spoke with a local bodyshop who specialise in TVR. We are taking the car there in the morning and they will do a quote and write to the other driver asking for payment.
Not sure if we should at least inform our insurance company of what is going on?
Thanks for the help guys!
We spoke with a local bodyshop who specialise in TVR. We are taking the car there in the morning and they will do a quote and write to the other driver asking for payment.
Not sure if we should at least inform our insurance company of what is going on?
Thanks for the help guys!
Officially you are supposed to inform them straight away. Unfortunately, due to the way UK insurance works, you will be penalised as well with higher premiums.
If you deal direct with the other company, and the other company wants to know your license plate details, your insurance company will most likely find out via this info sharing business so you will get problems later on.
Once you make a decision, it will become very difficult to change your mind later on as you can't knock on your insurance companies doors later on as you have failed to do your bit.
In other words, report it as it is going to be hundreds if fibreglass is involved and TVR paint is not straight forward either.
If you deal direct with the other company, and the other company wants to know your license plate details, your insurance company will most likely find out via this info sharing business so you will get problems later on.
Once you make a decision, it will become very difficult to change your mind later on as you can't knock on your insurance companies doors later on as you have failed to do your bit.
In other words, report it as it is going to be hundreds if fibreglass is involved and TVR paint is not straight forward either.
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