Would you pay a grand or go through insurance?
Discussion
If you had a VERY minor coming together and the other party goes to a garage, they say a new bumper is required + paint + labour so cost is a grand, would you pay that or go through insurance? Bit pissed off as it’s hard to even ascertain if any of the marks are due to the coming together (<4mph). A new bumper is not required as far as I can see. But anyway I’m wondering if just paying the cash will be less painful in the long term than all the insurance malarkey. Whaddya reckon
I'd be asking from two other quotes, one of which came from a bodyshop you know, to weed out the "taken it to a mate, and am pocketing the difference". That might tip them into wanting to go through insurance, but while that's going to be painful, it does avoid the potential personal injury creeping out of the woodwork in six months.
I don’t think so. I thinks it’s more a case of the usual rip-off garage going ‘ooohhh you need a new bumper’ b
ks than the owner being excessive. I may ask for 2nd quote yeah but I was hoping a bung of a few hundred would be enough. At that price I’m almost thinking is it worth making insurance do it’s thing.
ks than the owner being excessive. I may ask for 2nd quote yeah but I was hoping a bung of a few hundred would be enough. At that price I’m almost thinking is it worth making insurance do it’s thing.If going the cash route then I'd want a 50-50 compromise of ideas and quotes. By that I mean you get quotes from a few dealers and in your case try to edge him towards a fair but decent repair as opposed to most expensive only.
You can always keep reminding him if he insists on original parts and all that, then you may as well both go through your insurers and both * lose your NCD + have a record on file.
Also, as said above, if the other party does keep moaning about wanting the best of the best in repairs at your expense, it does give worries that he will come back later wanting more.
If both of you did not and do not immediately see the benefit of fair but low cost, off the record repair....let it go through the insurance. Yes, will cost you both but at least you can sleep well then.
You can always keep reminding him if he insists on original parts and all that, then you may as well both go through your insurers and both * lose your NCD + have a record on file.
Also, as said above, if the other party does keep moaning about wanting the best of the best in repairs at your expense, it does give worries that he will come back later wanting more.
If both of you did not and do not immediately see the benefit of fair but low cost, off the record repair....let it go through the insurance. Yes, will cost you both but at least you can sleep well then.
- edit - he won't if clearly your fault but it will be suspended until the claim is settled and he will have an accident record to declare.
Edited by jondude on Tuesday 26th April 10:35
Griffith4ever said:
it won't load your insurance anywhere near a grand, even over several years - for most people anyway.
My Mrs had a no fault ding and it adds around £50 to my van insurance extra each year.
Depends - we have three cars and three bikes - once Mrs DS and I had a bike each stolen in the same break in, and we are both insured on all six vehicles. So that was a total loss claim for both named drivers on all six. Added up over five years the increases that we paid were quite bad. My Mrs had a no fault ding and it adds around £50 to my van insurance extra each year.
I'd gp through insurance and equally if I was in a position where someone damaged my car and it was clearly a fault of the other driver who said they wanted to pay cash then started asking me to spend my time chasing down further quotes i'd be saying i'm going to the insurers as well.
I'm old enough with enough protected no claims at this point that I have no issue putting a claim on my record because experience shows it doesn't add a whole lot of extra premium in the end.
I'm old enough with enough protected no claims at this point that I have no issue putting a claim on my record because experience shows it doesn't add a whole lot of extra premium in the end.
As above - insurance.
I did the same, nudge'd someone and split their 1 series bumper and caused a minor mark to my Golf I had at the time.
I told my insurance, but as I didnt claim for damage on my car ( wasn't worth it) it cost me nothing.
I lost some NCB but when renewal came round my insurance still went down!
Doing it through insurance allowed any unexpected costs to be dealt with and have no effect on me.
I did the same, nudge'd someone and split their 1 series bumper and caused a minor mark to my Golf I had at the time.
I told my insurance, but as I didnt claim for damage on my car ( wasn't worth it) it cost me nothing.
I lost some NCB but when renewal came round my insurance still went down!
Doing it through insurance allowed any unexpected costs to be dealt with and have no effect on me.
Dog Star said:
Griffith4ever said:
it won't load your insurance anywhere near a grand, even over several years - for most people anyway.
My Mrs had a no fault ding and it adds around £50 to my van insurance extra each year.
Depends - we have three cars and three bikes - once Mrs DS and I had a bike each stolen in the same break in, and we are both insured on all six vehicles. So that was a total loss claim for both named drivers on all six. Added up over five years the increases that we paid were quite bad. My Mrs had a no fault ding and it adds around £50 to my van insurance extra each year.
Dog Star said:
Griffith4ever said:
it won't load your insurance anywhere near a grand, even over several years - for most people anyway.
My Mrs had a no fault ding and it adds around £50 to my van insurance extra each year.
Depends - we have three cars and three bikes - once Mrs DS and I had a bike each stolen in the same break in, and we are both insured on all six vehicles. So that was a total loss claim for both named drivers on all six. Added up over five years the increases that we paid were quite bad. My Mrs had a no fault ding and it adds around £50 to my van insurance extra each year.
As I have mentioned in the past, one of my other business interests was owning a bodyshop/garage for about 5 years while I built it up and sold it on.
It never ceased to amaze me how ordinary people were totally and utterly terrified of insurance companies.
We would constantly get people coming in with fairly significant damage. £1000-2000ish, insisting on wanting to pay out of their own pocket, and were absolutely adamant that their life would be ruined if they had to call their insurer.
Worst one was a guy who came in one morning at about 9:30am, in an absolute panic, saying his wife had just bumped into the back of someone and he needed a quote to fix it. Both cars were there.
Our estimator went outside, and immediately could see that there was probably more than £3000 worth of damage to both cars, so £6-7k for the pair.
We told the bloke to just phone his insurance as it would be thousands, and he said “No way. Absolutely out of the question. My wife only passed her test 7 months ago! If I phone the insurance over this they will CRUCIFY her! No one will ever insure her again! It’ll all be over! She’ll be finished!” Etc.
Eventually we persuaded him that calling the insurance was by far the most financially prudent way of dealing with the matter, but honestly, he was absolutely determined that paying thousands was better than he wife making a claim so early on in her driving career.
It never ceased to amaze me how ordinary people were totally and utterly terrified of insurance companies.
We would constantly get people coming in with fairly significant damage. £1000-2000ish, insisting on wanting to pay out of their own pocket, and were absolutely adamant that their life would be ruined if they had to call their insurer.
Worst one was a guy who came in one morning at about 9:30am, in an absolute panic, saying his wife had just bumped into the back of someone and he needed a quote to fix it. Both cars were there.
Our estimator went outside, and immediately could see that there was probably more than £3000 worth of damage to both cars, so £6-7k for the pair.
We told the bloke to just phone his insurance as it would be thousands, and he said “No way. Absolutely out of the question. My wife only passed her test 7 months ago! If I phone the insurance over this they will CRUCIFY her! No one will ever insure her again! It’ll all be over! She’ll be finished!” Etc.
Eventually we persuaded him that calling the insurance was by far the most financially prudent way of dealing with the matter, but honestly, he was absolutely determined that paying thousands was better than he wife making a claim so early on in her driving career.
Edited by anonymous-user on Tuesday 26th April 14:13
Paying cash wont stop a later insurance or injury claim
If the scuff is that minor, it wont even be used for the repair
If you choose not to use insurance, make sure they get three independent quotes, and you pay the invoice for the body shop ...... don't transfer cash
Unless your insurance is gonna get hit hard, use it!!!!
If the scuff is that minor, it wont even be used for the repair
If you choose not to use insurance, make sure they get three independent quotes, and you pay the invoice for the body shop ...... don't transfer cash
Unless your insurance is gonna get hit hard, use it!!!!
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