So my accident comes back to bite me...
Discussion
Hey Everyone,
I posted a few weeks ago that I had reversed into a car that was cutting through the car park and the people involved said no probs as it was a tatty old car. Now they are asking for £100 as an end to it..
There is no way that it is going on the bumper.
I dont really have an issue paying the hundred quid if that is a full and proper closure to it. Put another way, I dont want to wait 2 years 9 months and find that there is a claim in for whiplash or something equally as stupid. Half of me wants to say "right lets get the insurance company involved and then it will go 50/50 but hey.
Not having crashes often I don't know how this works
Can any wiser person give some guidence on this ?
Much appreciated.
I posted a few weeks ago that I had reversed into a car that was cutting through the car park and the people involved said no probs as it was a tatty old car. Now they are asking for £100 as an end to it..
There is no way that it is going on the bumper.
I dont really have an issue paying the hundred quid if that is a full and proper closure to it. Put another way, I dont want to wait 2 years 9 months and find that there is a claim in for whiplash or something equally as stupid. Half of me wants to say "right lets get the insurance company involved and then it will go 50/50 but hey.
Not having crashes often I don't know how this works
Can any wiser person give some guidence on this ?
Much appreciated.
Previous thread just incase anybody wanted the background - https://www.pistonheads.com/gassing/topic.asp?h=0&...
100 quid seems reasonable with the actual work to spray/replace the bumper and not just a new part?
I'd give them insurance details and let them claim for peace of mind. They probably won't want to in the end as it will increase their premiums as well as yours if it's just a shed they don't care about the bumper.
I'd give them insurance details and let them claim for peace of mind. They probably won't want to in the end as it will increase their premiums as well as yours if it's just a shed they don't care about the bumper.
If your reversing in a car park that they are driving through, then if you report it to your insurance, they are likely to hold you at fault for the incident as your the reversing party.
With regards to an injury claim, there is nothing you can really do to stop that, if you pay them the £100 and get evidence of that, then they can put a claim for damage in, but if they claim for injury, then you have already accepted fault by paying them the money, so likely the injury claim will go through.
If you go through your insurance and they accept fault, then any injury claim will just be dealt with by them.
The only thing you could look to do is try and argue it was a Low Velocity Impact, and therefore unlikely to have caused injury.
With regards to an injury claim, there is nothing you can really do to stop that, if you pay them the £100 and get evidence of that, then they can put a claim for damage in, but if they claim for injury, then you have already accepted fault by paying them the money, so likely the injury claim will go through.
If you go through your insurance and they accept fault, then any injury claim will just be dealt with by them.
The only thing you could look to do is try and argue it was a Low Velocity Impact, and therefore unlikely to have caused injury.
Retroman said:
What is your recourse if they still decide to pursue a claim say 2 years later?
What evidence will they have after two years of any injury ? They won’t have a doctors report or anything similar, and you will have a letter saying they have accepted money as a full and final settlement of any claims. I had a similar incident in my first year of driving, reversed into a car parked opposite my driveway... The damage was trivial and the owner kind of laughed it off, only for them to knock of my door two weeks later asking for £250 cash.
I laughed that off and gave them £150 and made them sign an agreement similar to what is mentioned above. Never heard anything since.
I laughed that off and gave them £150 and made them sign an agreement similar to what is mentioned above. Never heard anything since.
It seems pretty simple. If you want certainty that it won’t come back to bite you in future, do what your agreement with your insurer says you should and report it. Then it’s no longer your problem, come what may.
If you’re more interested in keeping a clean insurance record then you just have to accept the risk. There is nothing to stop the person you hit going direct to your insurer without your knowledge. Whatever “full and final” you sign won’t change the fact you have an unreported incident, in fact it’s evidence that it did happen.
If you’re more interested in keeping a clean insurance record then you just have to accept the risk. There is nothing to stop the person you hit going direct to your insurer without your knowledge. Whatever “full and final” you sign won’t change the fact you have an unreported incident, in fact it’s evidence that it did happen.
charltjr said:
It seems pretty simple. If you want certainty that it won’t come back to bite you in future, do what your agreement with your insurer says you should and report it. Then it’s no longer your problem, come what may.
If you’re more interested in keeping a clean insurance record then you just have to accept the risk. There is nothing to stop the person you hit going direct to your insurer without your knowledge. Whatever “full and final” you sign won’t change the fact you have an unreported incident, in fact it’s evidence that it did happen.
A few years back, I had a minor coming together with another car in a supermarket. They were parked, I was moving. We settled privately (full and final -signed) and I told my insurance company who noted it for the record. It had nil effect on my future premiums.If you’re more interested in keeping a clean insurance record then you just have to accept the risk. There is nothing to stop the person you hit going direct to your insurer without your knowledge. Whatever “full and final” you sign won’t change the fact you have an unreported incident, in fact it’s evidence that it did happen.
Retroman said:
Gargamel said:
Just ask them to sign a letter stating that this is full and final settlement.
What is your recourse if they still decide to pursue a claim say 2 years later?Gargamel said:
Retroman said:
What is your recourse if they still decide to pursue a claim say 2 years later?
What evidence will they have after two years of any injury ? They won’t have a doctors report or anything similar, and you will have a letter saying they have accepted money as a full and final settlement of any claims. OP - as has already been mentioned, either tell your insurers for "peace of mind", or don't, pay the £100 and go through the next few years hoping a claim doesn't come in. One thing is for sure though, if a claim is pursued in 2 1/2 years time and you haven't told your insurers they may very well refuse to indemnify you, meaning they can then claim back from you anything they pay out.
I know what I'd do.
CDB1983 said:
In theory if it's not or wasn't insured then it shouldn't be on the road and wouldn't have been in the OPs way so he wouldn't have hit it.
Just checked, and apparently there are penalties for driving without insurance. Being reversed into by someone not looking properly isn't one of them.
Psycho Warren said:
If they arent insured, threaten to go down the insurance route as this will f
k them up royally and they will probably back down. If not, go insurance route and report the accident to the police so that hopefully they go for an easy "no insurance" prosecution.
It really won't fk them up royally and they will probably back down. If not, go insurance route and report the accident to the police so that hopefully they go for an easy "no insurance" prosecution.k them up at all. They are the innocent party. They have every right to claim off the OP, or his insurers, without having to disclose their own insurance details. And even if they said "I had no insurance", it wouldn't stop them being paid out and the police, not having been involved at the scene, aren't going to be the slightest bit interested. Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff