Double rear end collision
Discussion
Whilst reversing out of a parking space, another car also reversed causing a collision. This happened on a residential caravan site.
The damage to their vehicle is circa £1500. The damage to mine is zero.
They do not want to involve insurance as neither do I. They are asking for a contribution to have their damage fixed privately.
My excess is £500 so if this should go via insurance, where exactly do I stand. re any excess payment.
Thanks for any advice.
The damage to their vehicle is circa £1500. The damage to mine is zero.
They do not want to involve insurance as neither do I. They are asking for a contribution to have their damage fixed privately.
My excess is £500 so if this should go via insurance, where exactly do I stand. re any excess payment.
Thanks for any advice.
I’d tell them to get stuffed. An insurance claim is likely to go 50/50, which in layman’s terms is “I pay for mine, you pay for yours”.
The fact that their car is damaged and yours isn’t is irrelevant when apportioning blame.
Sadly I suspect if you stand firm you may end up going down the insurance route which will gain nothing for them, and cost you some pennies.
The fact that their car is damaged and yours isn’t is irrelevant when apportioning blame.
Sadly I suspect if you stand firm you may end up going down the insurance route which will gain nothing for them, and cost you some pennies.
If you have your car checked and there's £2k of unseen damage after all, would they make a contribution to your repair costs?
If you both accept that you both have responsibility because you both reversed out without seeing each other, it does seem that each of you sorting out your own repairs is the right thing to do.
If you both accept that you both have responsibility because you both reversed out without seeing each other, it does seem that each of you sorting out your own repairs is the right thing to do.
I may be slightly wrong here but when I had an accident in my car two years ago although there was only a cracked grill on my car, which I replaced, there was apparently over £1k's worth of damage to the other car. The elderly woman on the advice of her husband insisted on going through insurance.
The accident was my fault and because I didn't claim on my policy I didn't have to pay any excess.
Presumably this is the same here, so you shouldn't have to pay anything if you did go through insurance, it would, however, be noted down as an accident due to your fault.
What damage happened to the other car?
How much are they looking for?
If only a token (£250) or so I think I may for peace of mind pay for it...
The accident was my fault and because I didn't claim on my policy I didn't have to pay any excess.
Presumably this is the same here, so you shouldn't have to pay anything if you did go through insurance, it would, however, be noted down as an accident due to your fault.
What damage happened to the other car?
How much are they looking for?
If only a token (£250) or so I think I may for peace of mind pay for it...
A lot of rubbish advice above. This happened exactly to me a few years ago in a car park. It went to insurance. I had no damage, the other car claimed about £900 of damage. I had a wheel on the rear door which damage their hatch back and protected mine. Anyway, I had to pay 50% of their damage and they would have to have paid 50% of mine, if I had any. My excess was £250, so that is what I actually paid to my insurance co and the insurance co paid the the total £450.00 for the 50%.
I would find out how much they want. If it goes to insurance, it is going to cost you personally, up to your excess, plus any future insurance rises because of the accident.
I would find out how much they want. If it goes to insurance, it is going to cost you personally, up to your excess, plus any future insurance rises because of the accident.
Sheepshanks said:
hullbridgehenry said:
My excess is £500 so if this should go via insurance, where exactly do I stand. re any excess payment.
My wife had someone who pulled straight into the rear door and rear wing of her car.
He basically looked out the side window to see if anything was coming, but totally neglected to look behind him, where my wife was the last in a stationary queue of cars.
You would think that was clear cut?
Nope.. 50:50 as we neglected to take witness details, so the other party were able to create a story where her travelled sideways.
He basically looked out the side window to see if anything was coming, but totally neglected to look behind him, where my wife was the last in a stationary queue of cars.
You would think that was clear cut?
Nope.. 50:50 as we neglected to take witness details, so the other party were able to create a story where her travelled sideways.
Road2Ruin said:
A lot of rubbish advice above. This happened exactly to me a few years ago in a car park. It went to insurance. I had no damage, the other car claimed about £900 of damage. I had a wheel on the rear door which damage their hatch back and protected mine. Anyway, I had to pay 50% of their damage and they would have to have paid 50% of mine, if I had any. My excess was £250, so that is what I actually paid to my insurance co and the insurance co paid the the total £450.00 for the 50%.
I would find out how much they want. If it goes to insurance, it is going to cost you personally, up to your excess, plus any future insurance rises because of the accident.
So, the insurance companies decide you were both to blame, i.e. 50% each? Since you had no damage to your car at all, you shouldn't have claimed (yes I know it's in hindsight). Since you are going to have to declare it as an accident in the future anyway due to the claim from the other party, it was immaterial whether you claimed, you wouldn't have had to pay anything, surely? Or do I misundersand this?I would find out how much they want. If it goes to insurance, it is going to cost you personally, up to your excess, plus any future insurance rises because of the accident.
Road2Ruin said:
Sheepshanks said:
hullbridgehenry said:
My excess is £500 so if this should go via insurance, where exactly do I stand. re any excess payment.
"An excess is the amount you pay towards your own repairs or claim, so you don't have to pay an excess for a third party's claim. Also, if you don't claim for your own damage, you don't pay an excess either."
https://www.lv.com/car-insurance/do-i-pay-an-exces...
This is completely industry standard practice.
ETA: On TPF&T policies the excess would apply for F & T claims.
Edited by Sheepshanks on Thursday 27th October 12:03
Sheepshanks said:
Road2Ruin said:
Sheepshanks said:
hullbridgehenry said:
My excess is £500 so if this should go via insurance, where exactly do I stand. re any excess payment.
"An excess is the amount you pay towards your own repairs or claim, so you don't have to pay an excess for a third party's claim. Also, if you don't claim for your own damage, you don't pay an excess either."
https://www.lv.com/car-insurance/do-i-pay-an-exces...
This is completely industry standard practice.
ETA: On TPF&T policies the excess would apply for F & T claims.
Edited by Sheepshanks on Thursday 27th October 12:03
Edit. It seems that third party excess is no longer a thing. Just looked it up.
Edited by Road2Ruin on Thursday 27th October 13:26
This happened to me in the summer. Supermarket car park in France. I could have sworn that I looked properly but I ended up bumping another guy swinging out of his space behind me. He was typically Gallic - roll up in his mouth, shrugging, he said for me "I don't care", for you... "shrug". I shook hands and we both went on our way (him zooming off in his 106).
I'm yet to get around to fixing my paintwork, but managed to get a new rear light for £60 off FB market place. If I went through the offical channels it could well be £1500, but I reckon it'll cost me £250 all in.
I would say that in these events you both need to suck it up (a message for him rather than you).
I'm yet to get around to fixing my paintwork, but managed to get a new rear light for £60 off FB market place. If I went through the offical channels it could well be £1500, but I reckon it'll cost me £250 all in.
I would say that in these events you both need to suck it up (a message for him rather than you).
wiliferus said:
I’d tell them to get stuffed. An insurance claim is likely to go 50/50, which in layman’s terms is “I pay for mine, you pay for yours”.
Completely wrong. What you're describing is knock for knock, which is no longer used because, as cases like this one show, it's completely unfair. 50/50 means each party is responsible for 50% of the total damage caused in the accident, in this case £1500. If we assume it's a 50/50 claim, which I suspect is right, the OP owes the tp £750. If it went to court, that would be the ruling. If the OP goes thru his insurance, they will pay the £750 to the tp in full, with no excess applying, as the excess, as said, if for the OP's own damage only.
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