Car damaged by Scooter - how should I play this?
Discussion
Return to car last in car park to find group of youths and badly damaged moped. Apparently one of the kids who had subsequently left the scene lost control of the scooter and hit two cars, mine being one of them.
The owner of the scooter and other mates had hung around, well in fact they had no choice as the other owner who suffered damage was sat in his vehicle at the time. The kid who drove the scooter was not insured to do so but suspect he had been given the key by the owner who is insured.
Damage to my car is £700-800 and I'd estimate the other vehicle repair being slightly more.
Am I screwed here in terms of my own insurance suffering a claim? should the police be involved?
The owner of the scooter and other mates had hung around, well in fact they had no choice as the other owner who suffered damage was sat in his vehicle at the time. The kid who drove the scooter was not insured to do so but suspect he had been given the key by the owner who is insured.
Damage to my car is £700-800 and I'd estimate the other vehicle repair being slightly more.
Am I screwed here in terms of my own insurance suffering a claim? should the police be involved?
No doubt the lad with the moped is going to have to claim off his own insurance anyway to get his bike fixed, unless his mate is coughing up for it.
He might even have to say his mate TWOC in order to get his insurance to pay, as they wont pay out because someone else was driving.
I personally would involve the police, as I can see you losing out here through no fault of your own!
He might even have to say his mate TWOC in order to get his insurance to pay, as they wont pay out because someone else was driving.
I personally would involve the police, as I can see you losing out here through no fault of your own!
I was hit by a 13 year old on a motor bike no licence no insurace etc etc. I lost my NCB, and excess. Uninsured loss recovery does not help in this case.
Only good thing was I put him in hospital wish I had hurt him a bit more but he was back out with his mates next day, his "single" gypo parent had no money either..
Only good thing was I put him in hospital wish I had hurt him a bit more but he was back out with his mates next day, his "single" gypo parent had no money either..
LuS1fer said:
bimsb6 said:
don't get involved with worrying about the rider just claim on scooter boys insurance .let him worry about what he tells the insurance co.
If the rider was not named, he's not insured.Got all the kids details/address etc so no probs identifying him, I've told him to come up with a plan for how he proposes reimbursement by saturday. Unfortunately there were two cars damaged and the overall repairs are probably around 2k. Other car was more seriously damaged.
If this goes through insurers no doubt I'll get screwed at renewal time now.
Damage is to my rear bumper - I thought there might be a possibility of a smart type repair but mercedes guy reckons gash in bumper can't be filled? anyone got experience of a repair to a painted bumper?
Car is a c class sport model.
cheers
ruggles
If this goes through insurers no doubt I'll get screwed at renewal time now.
Damage is to my rear bumper - I thought there might be a possibility of a smart type repair but mercedes guy reckons gash in bumper can't be filled? anyone got experience of a repair to a painted bumper?
Car is a c class sport model.
cheers
ruggles
bimsb6 said:
LuS1fer said:
bimsb6 said:
don't get involved with worrying about the rider just claim on scooter boys insurance .let him worry about what he tells the insurance co.
If the rider was not named, he's not insured.Repair to a painted bumper should only be a few hundred pounds.
Mrs split the lower edge of the front bumper on my car. New bumper would have been ££££ but local body shop managed to stick it together and paint it for under £200. They do know about plastics and fibreglass repairs though.
Mrs split the lower edge of the front bumper on my car. New bumper would have been ££££ but local body shop managed to stick it together and paint it for under £200. They do know about plastics and fibreglass repairs though.
If a car is stolen, the owners insurance is still liable for damage caused.
If the owner of the scooter says his mate took the keys without his permission your covered - if he says he gave him the keys, then I dont think you are - but he will get done as well so he's unlikely to do it.
If the owner of the scooter says his mate took the keys without his permission your covered - if he says he gave him the keys, then I dont think you are - but he will get done as well so he's unlikely to do it.
all I'll say re the young lads is "weren't you young once? " These are PH in the making. Please dont go out your way to get them into s
t with plod when in reality if they sort it there isn't an issue. They will learn from it and thats what counts.
We all did stuff we shouldn't when we were that age, how would you have liked to be dealt with if you were that age?
Re the gash, Missus' astra had a hole pushed through her painted bumper by a neighbour's cars tow hook. Cost 300 quid and you seriously couldnt tell it had happened.
t with plod when in reality if they sort it there isn't an issue. They will learn from it and thats what counts.We all did stuff we shouldn't when we were that age, how would you have liked to be dealt with if you were that age?
Re the gash, Missus' astra had a hole pushed through her painted bumper by a neighbour's cars tow hook. Cost 300 quid and you seriously couldnt tell it had happened.
entwisi said:
all I'll say re the young lads is "weren't you young once? " These are PH in the making. Please dont go out your way to get them into st with plod when in reality if they sort it there isn't an issue. They will learn from it and thats what counts.
We all did stuff we shouldn't when we were that age, how would you have liked to be dealt with if you were that age?
So since they're just being kids it would be acceptable for the OP to have to foot the bill either now or come renewal time?t with plod when in reality if they sort it there isn't an issue. They will learn from it and thats what counts.We all did stuff we shouldn't when we were that age, how would you have liked to be dealt with if you were that age?
ruggles said:
Got all the kids details/address etc so no probs identifying him, I've told him to come up with a plan for how he proposes reimbursement by saturday. Unfortunately there were two cars damaged and the overall repairs are probably around 2k. Other car was more seriously damaged.
If this goes through insurers no doubt I'll get screwed at renewal time now.
Damage is to my rear bumper - I thought there might be a possibility of a smart type repair but mercedes guy reckons gash in bumper can't be filled? anyone got experience of a repair to a painted bumper?
Car is a c class sport model.
cheers
ruggles
Where are you located, generally?If this goes through insurers no doubt I'll get screwed at renewal time now.
Damage is to my rear bumper - I thought there might be a possibility of a smart type repair but mercedes guy reckons gash in bumper can't be filled? anyone got experience of a repair to a painted bumper?
Car is a c class sport model.
cheers
ruggles
Edited by Police State on Thursday 4th November 22:07
Negative Creep said:
entwisi said:
all I'll say re the young lads is "weren't you young once? " These are PH in the making. Please dont go out your way to get them into st with plod when in reality if they sort it there isn't an issue. They will learn from it and thats what counts.
We all did stuff we shouldn't when we were that age, how would you have liked to be dealt with if you were that age?
So since they're just being kids it would be acceptable for the OP to have to foot the bill either now or come renewal time?t with plod when in reality if they sort it there isn't an issue. They will learn from it and thats what counts.We all did stuff we shouldn't when we were that age, how would you have liked to be dealt with if you were that age?
Are they f
k they're the next generation of dealers, burglars, muggers and worse. Maybe a brush with the law will stop them going that way. The softly softly approach suggested above will do fk all. entwisi said:
We all did stuff we shouldn't when we were that age, how would you have liked to be dealt with if you were that age?
Really?What would have happened is I would have stayed on the scene scared stiff and come clean. My Dad would have had a few words with me too!
Surely you aren't suggesting the chap should ruffle up the lads hair saying 'you little tinker' and leave it at that??
I would suggest that you find out exactly how the other kid had gotten the keys. If it was given to him and everyone says something different then that would surely mean insurance fraud?
It would be a lot of money for him to cough up and is likely that they would not be able to pay this. Even if you get the police involved, small claims court ect... you're probably unlikely to get the money back. A while back some idiot of the town had went up and down a street kicking off random mirrors. By the time the police had caught him he'd kicked off 15-20 mirrors. Every owner were told by the police to get it fixed and they'd try to get the money paid back by the vandal. 2 years later not a single penny. it was ok for me, just went to the scrappy and got another one, but several of the cars (inc my sisters) haad electric mirrors and cost a lot more to fix.
Future PH's? I hope not... I dont remember doing anything like that when i was younger. Everything i did was as legit as i could, right down to the bone. If you keep to the rules, then the rules should benefit you. So many newly passed drivers i knew were fronting there first couple of years insurance. I paid down the hard route and now my insurance is around 40% less than theirs. Giving young folk a chance is always good, but you have to access the circumstances and their ability to fufill your needs. Drove my first car into a farmers fence, contacted the farmer and arranged to pay for the damages in 4 installments, he gave me my chance, and i was greatful, but the damage was significantly less than the damage this youth had done and i was i part time employement.
So hope in hell that it can be resolved in a simpler way.
Hope it all works out for you mate.
It would be a lot of money for him to cough up and is likely that they would not be able to pay this. Even if you get the police involved, small claims court ect... you're probably unlikely to get the money back. A while back some idiot of the town had went up and down a street kicking off random mirrors. By the time the police had caught him he'd kicked off 15-20 mirrors. Every owner were told by the police to get it fixed and they'd try to get the money paid back by the vandal. 2 years later not a single penny. it was ok for me, just went to the scrappy and got another one, but several of the cars (inc my sisters) haad electric mirrors and cost a lot more to fix.
Future PH's? I hope not... I dont remember doing anything like that when i was younger. Everything i did was as legit as i could, right down to the bone. If you keep to the rules, then the rules should benefit you. So many newly passed drivers i knew were fronting there first couple of years insurance. I paid down the hard route and now my insurance is around 40% less than theirs. Giving young folk a chance is always good, but you have to access the circumstances and their ability to fufill your needs. Drove my first car into a farmers fence, contacted the farmer and arranged to pay for the damages in 4 installments, he gave me my chance, and i was greatful, but the damage was significantly less than the damage this youth had done and i was i part time employement.
So hope in hell that it can be resolved in a simpler way.
Hope it all works out for you mate.
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