Car Park Damage
Discussion
EU_Foreigner said:
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.
I am minded to pay for the repair and send the bill the other party. Happy to sue in the County Court if she refuses to pay. The fibre glass won't be cheap but the paint is a Rover colour.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.
Should know more tomorrow when I have an idea of the cost involved.
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.
What I'm meaning is leaving the scene of an accident type of thing. Because at present people chance it an hope nobody has seen it. 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.
bad company said:
I am minded to pay for the repair and send the bill the other party. Happy to sue in the County Court if she refuses to pay. The fibre glass won't be cheap but the paint is a Rover colour.
Should know more tomorrow when I have an idea of the cost involved.
Send the other party a copy of the quote and ask for payment or for them to forward it to their insurers if no response then send another copy with a covering letter to their insurer directlyShould know more tomorrow when I have an idea of the cost involved.
No need to involve your insurer unless you really have to
liner33 said:
Send the other party a copy of the quote and ask for payment or for them to forward it to their insurers if no response then send another copy with a covering letter to their insurer directly
No need to involve your insurer unless you really have to
That is what we are doing. We got the quote Saturday morning and the garage are sending it with photographs to the other driver.No need to involve your insurer unless you really have to
Thanks again for all the help.
Just wanted to say that the repair has been carried out now at the other sides expense.
The 'credit hire' machine went into motion - I had a call asking if anybody was injured replied no as it was just a car park knock. They sounded disappointed. Then offered a Porsche while mine was being repaired but settled on a Clio as we only needed a run about for the 3 day repair. We are all paying for this credit hire scam!
Anyway thanks for the help guys!
The 'credit hire' machine went into motion - I had a call asking if anybody was injured replied no as it was just a car park knock. They sounded disappointed. Then offered a Porsche while mine was being repaired but settled on a Clio as we only needed a run about for the 3 day repair. We are all paying for this credit hire scam!
Anyway thanks for the help guys!
bad company said:
No choice really. The other party was paying. My point is that the system is there for abuse and we all end up paying for it.
Just because the other party was paying doesn't mean you didn't have a choice!Anyway, I'd blame the perpetrator of the damage for contributing to increased premiums - if the accident hadn't occurred, you wouldn't have required compensation to return you to normality (as you know it)
JJ
Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff