No Fault Claim car insurance help damage to parked car
Discussion
Just in need of some advice because I don’t have experience of these things.
My parked car was hit and damaged by another driver who drove off. They know they did it because they got out and took a look, but didn't leave any details. This was captured on CCTV which I’ve been given a copy of. Turns out it was a co-worker. They made no attempt to contact me so I managed to get a message passed to him through work asking him to contact me. It’s taken a few days but they finally texted saying they’d caused the damage.
They’ve said they want to pay for the damage without going through insurance so I got a quote for repairs that’s around £500 (which I don’t have.)
He’s now come back offering me significantly less in cash or saying to claim through insurance and provided his details. He's also disputing the amount of damage he's caused.
My car is only valued at around £1000 but it gets me to and from work . So do I make a no fault claim through my own insurance company or do I contact his insurance company? I’ve got fully comprehensive cover myself with my no claims bonus covered.
Are my premiums going to go up because of this? Is my car likely to be written off by the insurance company because of the cost of damage and the value of my car? If so, I understand I can buy the car back but not sure how it all works.
I’d really appreciate a step by step guide as what I should do.
Again, sorry for sounding so clueless but I don’t have experience of these things.
Many thanks.
My parked car was hit and damaged by another driver who drove off. They know they did it because they got out and took a look, but didn't leave any details. This was captured on CCTV which I’ve been given a copy of. Turns out it was a co-worker. They made no attempt to contact me so I managed to get a message passed to him through work asking him to contact me. It’s taken a few days but they finally texted saying they’d caused the damage.
They’ve said they want to pay for the damage without going through insurance so I got a quote for repairs that’s around £500 (which I don’t have.)
He’s now come back offering me significantly less in cash or saying to claim through insurance and provided his details. He's also disputing the amount of damage he's caused.
My car is only valued at around £1000 but it gets me to and from work . So do I make a no fault claim through my own insurance company or do I contact his insurance company? I’ve got fully comprehensive cover myself with my no claims bonus covered.
Are my premiums going to go up because of this? Is my car likely to be written off by the insurance company because of the cost of damage and the value of my car? If so, I understand I can buy the car back but not sure how it all works.
I’d really appreciate a step by step guide as what I should do.
Again, sorry for sounding so clueless but I don’t have experience of these things.
Many thanks.
Do you really want to declare this small value claim for the next five years come renewal time? Your premium will likely increase if you make a claim regardless of fault. I'd take whatever is being offered and while not what you want, it'll save you money on the long term with cheaper renewals.
I'd also be telling your co-worker that making claim will adversely affect them by their excess and having to declare a fault claim for the next five years. That might persuade them to settle at an agreeable figure for you.
I'd also be telling your co-worker that making claim will adversely affect them by their excess and having to declare a fault claim for the next five years. That might persuade them to settle at an agreeable figure for you.
Mark83 said:
I'd also be telling your co-worker that making claim will adversely affect them by their excess and having to declare a fault claim for the next five years. That might persuade them to settle at an agreeable figure for you.
The co worker won't have to pay any excess if they aren't claiming for their own damage. There's no excess on damage you cause to third parties. Suezie said:
Just in need of some advice because I don’t have experience of these things.
My parked car was hit and damaged by another driver who drove off. They know they did it because they got out and took a look, but didn't leave any details. This was captured on CCTV which I’ve been given a copy of. Turns out it was a co-worker. They made no attempt to contact me so I managed to get a message passed to him through work asking him to contact me. It’s taken a few days but they finally texted saying they’d caused the damage.
They’ve said they want to pay for the damage without going through insurance so I got a quote for repairs that’s around £500 (which I don’t have.)
He’s now come back offering me significantly less in cash or saying to claim through insurance and provided his details. He's also disputing the amount of damage he's caused.
My car is only valued at around £1000 but it gets me to and from work . So do I make a no fault claim through my own insurance company or do I contact his insurance company? I’ve got fully comprehensive cover myself with my no claims bonus covered.
Are my premiums going to go up because of this? Is my car likely to be written off by the insurance company because of the cost of damage and the value of my car? If so, I understand I can buy the car back but not sure how it all works.
I’d really appreciate a step by step guide as what I should do.
Again, sorry for sounding so clueless but I don’t have experience of these things.
Many thanks.
The simplest option is to just go to your insurer, or accept what he has offered if you can live with the damage on a low vale car.My parked car was hit and damaged by another driver who drove off. They know they did it because they got out and took a look, but didn't leave any details. This was captured on CCTV which I’ve been given a copy of. Turns out it was a co-worker. They made no attempt to contact me so I managed to get a message passed to him through work asking him to contact me. It’s taken a few days but they finally texted saying they’d caused the damage.
They’ve said they want to pay for the damage without going through insurance so I got a quote for repairs that’s around £500 (which I don’t have.)
He’s now come back offering me significantly less in cash or saying to claim through insurance and provided his details. He's also disputing the amount of damage he's caused.
My car is only valued at around £1000 but it gets me to and from work . So do I make a no fault claim through my own insurance company or do I contact his insurance company? I’ve got fully comprehensive cover myself with my no claims bonus covered.
Are my premiums going to go up because of this? Is my car likely to be written off by the insurance company because of the cost of damage and the value of my car? If so, I understand I can buy the car back but not sure how it all works.
I’d really appreciate a step by step guide as what I should do.
Again, sorry for sounding so clueless but I don’t have experience of these things.
Many thanks.
I got tapped in the rear at a set of traffic lights in 2023 and the other driver wanted to do a cash deal so I visited a local bodyshop who told me I would need a new rear bumper cover. BMW quoted me £650 for one in primer and then the other driver had a change of heart!
In all honesty if he had made a sensible cash offer I might have taken it because the damage was minimal, but he involved his insurer who contacted me a few days later. I took my car to a bodyshop the insurer recommended and they managed to pad their estimate up to over £2K, so my car was made a Cat N because the insurer came up with a pitiful valuation.
I got a slight increase and got to keep the car for precisely 22% of their valuation, which meant I got 50% of what I had paid for it 5 years previously so the final outcome wasn't too bad.
But when renewal came around I declared a non-fault claim to my insurer who had paid nothing, but still decided to increase the premium and the excess.
So it turned into a bit of a saga
The car is worth £1000?
Head on over to the "Joy of Running a Shed" thread where you'll probably find the answer will be "Co worker buys you lunch and you carry on" or simply "carry on"
However if it's £500 of damage on a £1000 car, the insurers will write it off. You may then be able to but back at scrap value and either fix it cheap or if it's superficial, ignore it.
But that hit you hard premium wise and it's a huge hassle too so I'd be leaving the insurers well out of it and coming to some sort of agreement with the co-worker. Even then, not sure I could be arsed fixing a grands worth of car - broken lights etc yes but beyond that, I'd probably wait till one come up as a breaker and swap panels.
Realistically I'd probably say I'd do that but wouldn't bother. I'd probably be annoyed that the person didn't own up but probably leave it at that. That's the joy of running an old shed...
Head on over to the "Joy of Running a Shed" thread where you'll probably find the answer will be "Co worker buys you lunch and you carry on" or simply "carry on"
However if it's £500 of damage on a £1000 car, the insurers will write it off. You may then be able to but back at scrap value and either fix it cheap or if it's superficial, ignore it.
But that hit you hard premium wise and it's a huge hassle too so I'd be leaving the insurers well out of it and coming to some sort of agreement with the co-worker. Even then, not sure I could be arsed fixing a grands worth of car - broken lights etc yes but beyond that, I'd probably wait till one come up as a breaker and swap panels.
Realistically I'd probably say I'd do that but wouldn't bother. I'd probably be annoyed that the person didn't own up but probably leave it at that. That's the joy of running an old shed...
Suezie said:
This was captured on CCTV which I’ve been given a copy of. Turns out it was a co-worker. They made no attempt to contact me so I managed to get a message passed to him through work asking him to contact me. It’s taken a few days but they finally texted saying they’d caused the damage.
What a charming colleague.We had our car hit by a van whilst parked, didn't get the reg but we had a description by a witness. Police weren't interested.
All one side of the car damaged, front wing heavily and a front wheel badly damaged. We had to go through insurance as it was undriveable, and we were without it for 3 weeks whilst being fixed.
A factor if this is transport to work and the damage is minor-ish
All one side of the car damaged, front wing heavily and a front wheel badly damaged. We had to go through insurance as it was undriveable, and we were without it for 3 weeks whilst being fixed.
A factor if this is transport to work and the damage is minor-ish
Also if you do want to motivate him to do better with his offer, if you have the timeline regards the incident and him finally confessing let him know your insurers could potentially also log the fact that he left the scene of an accident and will likely report that to the Police for the crime reference number to support their claim against the 3rd party insurer.
If people think declaring a bump screws your insurance (bit of a myth anyhow) wait until he discovers what having a an AC10 or AC20 conviction code on his licence will do, its up there with Drink Drive !!!
If people think declaring a bump screws your insurance (bit of a myth anyhow) wait until he discovers what having a an AC10 or AC20 conviction code on his licence will do, its up there with Drink Drive !!!
Mr Tidy said:
The simplest option is to just go to your insurer, or accept what he has offered if you can live with the damage on a low vale car.
I got tapped in the rear at a set of traffic lights in 2023 and the other driver wanted to do a cash deal so I visited a local bodyshop who told me I would need a new rear bumper cover. BMW quoted me £650 for one in primer and then the other driver had a change of heart!
In all honesty if he had made a sensible cash offer I might have taken it because the damage was minimal, but he involved his insurer who contacted me a few days later. I took my car to a bodyshop the insurer recommended and they managed to pad their estimate up to over £2K, so my car was made a Cat N because the insurer came up with a pitiful valuation.
I got a slight increase and got to keep the car for precisely 22% of their valuation, which meant I got 50% of what I had paid for it 5 years previously so the final outcome wasn't too bad.
But when renewal came around I declared a non-fault claim to my insurer who had paid nothing, but still decided to increase the premium and the excess.
So it turned into a bit of a saga
Had almost this exact situation with my Honda last year. Bought the car back, repaired it with some secondhand panels.I got tapped in the rear at a set of traffic lights in 2023 and the other driver wanted to do a cash deal so I visited a local bodyshop who told me I would need a new rear bumper cover. BMW quoted me £650 for one in primer and then the other driver had a change of heart!
In all honesty if he had made a sensible cash offer I might have taken it because the damage was minimal, but he involved his insurer who contacted me a few days later. I took my car to a bodyshop the insurer recommended and they managed to pad their estimate up to over £2K, so my car was made a Cat N because the insurer came up with a pitiful valuation.
I got a slight increase and got to keep the car for precisely 22% of their valuation, which meant I got 50% of what I had paid for it 5 years previously so the final outcome wasn't too bad.
But when renewal came around I declared a non-fault claim to my insurer who had paid nothing, but still decided to increase the premium and the excess.
So it turned into a bit of a saga
When it came to insurance renewal my premium didn't increase, in fact i think it actually went down by about £20, so it does seem to be a bit of a lottery.
dibblecorse said:
Also if you do want to motivate him to do better with his offer, if you have the timeline regards the incident and him finally confessing let him know your insurers could potentially also log the fact that he left the scene of an accident and will likely report that to the Police for the crime reference number to support their claim against the 3rd party insurer.
Played this exact card when a site manager for the company we lease our building from reversed his car into the front of mine then drove off.No CCTV of the incident but two witnesses from inside the building saw it take place. CCTV at the gate confirmed he'd entered and exited the site and he'd also signed in and out on the visitor's book.
He initially tried to deny it was his fault but when I threatened to go to the police with the above and the fact that he'd left the scene without telling anyone he coughed out of his own pocket for the entire repair.
Without seeing the damage, car etc I can't really comment beyond imagining it happening to my £1k shed. If it was just scuffs, scratches or a cracked bumper, or a noticeable dent, I'd just take as much cash as I could get out of him (eg is he offering £300?), then not get it fixed and instead spend the £300 on 30 bottles of cheap blended whisky. (I might attempt a crap go at pulling out a dent to make it less of a dent.)
If it's smashed a light or bent a alloy then it needs fixing, so I'd push for the full amount or go through the insurance.
If it's smashed a light or bent a alloy then it needs fixing, so I'd push for the full amount or go through the insurance.
Hoofy said:
Without seeing the damage, car etc I can't really comment beyond imagining it happening to my £1k shed. If it was just scuffs, scratches or a cracked bumper, or a noticeable dent, I'd just take as much cash as I could get out of him (eg is he offering £300?), then not get it fixed and instead spend the £300 on 30 bottles of cheap blended whisky. (I might attempt a crap go at pulling out a dent to make it less of a dent.)
If it's smashed a light or bent a alloy then it needs fixing, so I'd push for the full amount or go through the insurance.
Would be a bit off to take the money, not get it fixed and then go back and share the same work car park!If it's smashed a light or bent a alloy then it needs fixing, so I'd push for the full amount or go through the insurance.
Fady said:
Hoofy said:
Without seeing the damage, car etc I can't really comment beyond imagining it happening to my £1k shed. If it was just scuffs, scratches or a cracked bumper, or a noticeable dent, I'd just take as much cash as I could get out of him (eg is he offering £300?), then not get it fixed and instead spend the £300 on 30 bottles of cheap blended whisky. (I might attempt a crap go at pulling out a dent to make it less of a dent.)
If it's smashed a light or bent a alloy then it needs fixing, so I'd push for the full amount or go through the insurance.
Would be a bit off to take the money, not get it fixed and then go back and share the same work car park!If it's smashed a light or bent a alloy then it needs fixing, so I'd push for the full amount or go through the insurance.
Robertb said:
Fady said:
Hoofy said:
Without seeing the damage, car etc I can't really comment beyond imagining it happening to my £1k shed. If it was just scuffs, scratches or a cracked bumper, or a noticeable dent, I'd just take as much cash as I could get out of him (eg is he offering £300?), then not get it fixed and instead spend the £300 on 30 bottles of cheap blended whisky. (I might attempt a crap go at pulling out a dent to make it less of a dent.)
If it's smashed a light or bent a alloy then it needs fixing, so I'd push for the full amount or go through the insurance.
Would be a bit off to take the money, not get it fixed and then go back and share the same work car park!If it's smashed a light or bent a alloy then it needs fixing, so I'd push for the full amount or go through the insurance.
Fady said:
Robertb said:
Fady said:
Hoofy said:
Without seeing the damage, car etc I can't really comment beyond imagining it happening to my £1k shed. If it was just scuffs, scratches or a cracked bumper, or a noticeable dent, I'd just take as much cash as I could get out of him (eg is he offering £300?), then not get it fixed and instead spend the £300 on 30 bottles of cheap blended whisky. (I might attempt a crap go at pulling out a dent to make it less of a dent.)
If it's smashed a light or bent a alloy then it needs fixing, so I'd push for the full amount or go through the insurance.
Would be a bit off to take the money, not get it fixed and then go back and share the same work car park!If it's smashed a light or bent a alloy then it needs fixing, so I'd push for the full amount or go through the insurance.
But also, in the back of my mind, the idiot would see that I haven't got it fixed and that would annoy them every single day because annoyingly they drove off hoping to get away with it.
Remember they're not even willing to pay to get it fixed.
Oh yeah, also forgot to mention that I hate having to get stuff like this sorted out because you have to take time out of your day then go to collect it which is not just 5 minutes of your life, is it?
Edited by Hoofy on Thursday 27th March 17:12
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