Parking Ding, better to sort out personally
Discussion
Folks, I managed to skim someone's car the other day; no damage to mine really, it's a scabby old van. Light paintwork on his, and I left a note and have made contact.
Am I better off keeping the insurance out of it and sorting it out by paying for chips away, or a repair at a bodyshop.
I've got 3 cars insured, and I assume I'll have to declare it on all of the insurance policies if I go through the van insurance.
Can he insist on an insurance job? Everything is pleasant and ok. I think a minor complication is that he works nights, would probably need a courtesy car, and it's relying on goodwill that he'll get a legit quote, and I'll pay it - which I will. He's a neighbour of my partner, so it's not worth any grief.
Many thanks in advance.
Am I better off keeping the insurance out of it and sorting it out by paying for chips away, or a repair at a bodyshop.
I've got 3 cars insured, and I assume I'll have to declare it on all of the insurance policies if I go through the van insurance.
Can he insist on an insurance job? Everything is pleasant and ok. I think a minor complication is that he works nights, would probably need a courtesy car, and it's relying on goodwill that he'll get a legit quote, and I'll pay it - which I will. He's a neighbour of my partner, so it's not worth any grief.
Many thanks in advance.
darreni said:
Sorting it out personally is the best way, but entirely dependent on the type of person you re dealing with.
This. As you will be hit for the next 5 years of having to declare and whatever increases in premiums you will face.Even the persons car which was hit, they will also face having to declare for the next 5years as a non fault claim. However their premiums might also go up.
I previously had someone damage my Mercedes E class I used to own when it was parked at the railway station, the person who hit my car decided to go through insurance route. My car went off for body shop repairs including a new taillight and a few weeks of hire car rental. The hire car rental from Avis Prestige came to over £4K, but the repair s £2.5K! For the following 5 years I had to declare on insurance renewals the non fault claim and my premiums went up!
You have to decide between breaking the terms of your policy and a quick and easy solution.
Breaking the terms exposes you to all sorts of risks. The risk of claiming on your insurance is limited to potentially increased premiums.
How lucky do you feel and how comfortable are you with the respective risks?
Breaking the terms exposes you to all sorts of risks. The risk of claiming on your insurance is limited to potentially increased premiums.
How lucky do you feel and how comfortable are you with the respective risks?
If the bloke is anything like me i'd be in pleasant shock that that a chap with a sense of honour and decency still lives in these lands, and bend over backwards to make everything as painless as possible for both of us.
Yes if it can be sorted amicably between you do so privately with hopefully a cash job and keep schtum.
Seriously chap, i'm impressed.
Yes if it can be sorted amicably between you do so privately with hopefully a cash job and keep schtum.
Seriously chap, i'm impressed.
Smint said:
ISeriously chap, i'm impressed.
Well, thank you kind sir. It's a nice enough street, good neighbours, and the chap was on nightshift, and didnt answer the door when we knocked.It's a 2018 baby-poo brown Peugot softlander thing, with a bit of a yellow scuff on it now - it looks like my underpants.
We'd just travelled 300 odd miles without event, and clipped the car outside our house FFS.
I will try to push for sorting it at a local bodyshop, but ultimately I guess its up to him.
I did something similar once (though to be fair I dented his door as well as paint damage). Cost me a bloody fortune, particularly when I got the bill for the one weeks car rental he used while his car was being fixed. It was a lease car so he had to go through an approved repairer.
Wish I'd claimed in retrospect, particularly as my insurance co put my premium up when I did the right thing and informed them.
Wish I'd claimed in retrospect, particularly as my insurance co put my premium up when I did the right thing and informed them.
RedLightGreenLight said:
Slyjoe said:
UPDATE: The chap has been to a couple of bodyshops for quotes to repair / polish out. I've offered him a drink on top of the repair costs.
Good to hear, saves insurance premiums going up!After rubbing off the dirt and grime on her 22 plate car, there are 2 very small marks on the crease of her bumper (the kind of marks that if were touched in and you weren't to know were already there, you wouldn't notice), my car is similar with also a couple of scuffs that will mop out.
Had a text from her husband a few days ago who has been extremely reasonable "these things happen", "it's not the end of the world", he's had a quote from Chips Away for £264 which I will be transferring to him.
I won't be notifying the insurance company!
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