Car reversed into while parked, I know whodunnit

Car reversed into while parked, I know whodunnit

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Yadizzle1

Original Poster:

684 posts

124 months

Thursday 24th June 2021
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My 1 day old car got reversed into whilst parked on Tuesday. It's one with telematics and sensors onboard so sent me a text immediately.

I ran out to find that a lady was sat in the car parked behind it and was just moving forward as I ran out. There is some minor damage but two points where the paint has chipped off, I confronted her about this and she initially said she hadn't hit the car. Once I showed her the app which logged the time and the area of damage she changed her tune and admitted that she'd hit the car but that she hadn't caused the scratches.

A lot of circling around and wild claims (such as: all new cars come with scratches & why were you parked there in the first place) I finally got her details and the location was outside her own house so had the address too.

How do I prove that she hit the car when she inevitably changes her mind once insurance is involved?

HantsRat

2,369 posts

107 months

Thursday 24th June 2021
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Unless your have it on CCTV, witnessed it yourself or another witness, you can't prove it. I hope you had it on record when she stated verbally she hit your car and she seems the type that will deny it when it comes to insurance.

meatballs

1,140 posts

59 months

Thursday 24th June 2021
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Can't prove anything, but I suspect insurance will just take your word for it if it's a small claim rather than fight it?

av185

18,433 posts

126 months

Thursday 24th June 2021
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Depends on the damage to your car whether it will be worthwhile claiming.

Your premium will inevitably rise even though it was a non fault accident assuming you can claim against her in the first place.

Sounds like you would be best probably paying for the repairs yourself.

jondude

2,335 posts

216 months

Friday 25th June 2021
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I think the only chance you have of settling this best for you is to have a chat with her and point out once your insurers are involved up go both your premiums and you both have a record on file. Hers will also include alleged dishonesty.

That therefore it is best she gives you at least a decent contribution to repair costs.

You might have to accept a contribution if the costs are highish but again, even for you this might be cheaper than loss of NCD and an accident record?

(You have checked the cost of repair against your excess too?)

Short Grain

2,743 posts

219 months

Friday 25th June 2021
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Just had mine repaired after a minor bump in a car park. Thankfully I was sat in it when it happened so no chance of denial. If I'd come back to it, who knows? I told him to pay the body shop direct but he then wanted to pay the day before my car was booked in so maybe hoping I wouldn't bother. Anyway, all done to the tune of £200+ cost to him and you wouldn't know smile
Get a couple of quotes, get her to pay direct so she knows you are serious and tell her to expect a call from your insurers if she plays silly buggers!! mad

J1990

791 posts

52 months

Friday 25th June 2021
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As advised above, get as quote for fixing the damage. If you've got a flat washing machine white paint job then the repair is going to be significantly less than if you're got a very difficult colour such as Jaguar's firenze red where you're quotes tend to suggest full panel or multiple panel full resprays due to difficulties colour matching.

Once you've got prices, contact the woman again and tell her the quoted price and that you'd like to sort it without going through the insurers as both will then face inflated premiums but that you will if you have to - If she doesn't want to pay up then you have to balance the cost vs the impact on your future premiums.


PS - I'd imagine it had to be a significant knock for the telematics to pick it up, which I'd definitely expect to be sufficient to remove paint.

av185

18,433 posts

126 months

Friday 25th June 2021
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J1990 said:
As advised above, get as quote for fixing the damage. If you've got a flat washing machine white paint job then the repair is going to be significantly less than if you're got a very difficult colour such as Jaguar's firenze red where you're quotes tend to suggest full panel or multiple panel full resprays due to difficulties colour matching.

Once you've got prices, contact the woman again and tell her the quoted price and that you'd like to sort it without going through the insurers as both will then face inflated premiums but that you will if you have to - If she doesn't want to pay up then you have to balance the cost vs the impact on your future premiums.


PS - I'd imagine it had to be a significant knock for the telematics to pick it up, which I'd definitely expect to be sufficient to remove paint.
Internet mythology I'm afraid.

White is one of the most difficult colours to match.

No difference in cost between flat colours metallics or pearlescents and all colours are easy to blend assuming the painter is sufficiently experienced.

solo2

858 posts

146 months

Friday 25th June 2021
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I'm currently going around in circles with a claim. I was stationary in a queue of traffic and the car behind bumped me, not much but has still cracked the paint of my bumper and left a few outward dents over where brackets under the bumper are so it needs to be replaced but is by no means anything other than cosmetic on the car. However even this small bump has aggravated an existing whiplash injury which has never fully healed and has left me in more pain than I was in prior to the accident - its solely this that has annoyed me.

Driver behind me tried to drive off, when I stopped her denied she'd hit me and I got nothing other than her registration number and a witness who had nearly been hit by the same driver. At fault driver denies she hit me, her car has been examined and she claims the small damage to her own car is not new. My insurance company are not actively attempting to contact the witness and are saying as she has denied it there's nothing they can do and have logged it as a fault claim to me.

Furious does not even cover it

PorkInsider

5,877 posts

140 months

Friday 25th June 2021
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solo2 said:
I'm currently going around in circles with a claim. I was stationary in a queue of traffic and the car behind bumped me, not much but has still cracked the paint of my bumper and left a few outward dents over where brackets under the bumper are so it needs to be replaced but is by no means anything other than cosmetic on the car. However even this small bump has aggravated an existing whiplash injury which has never fully healed and has left me in more pain than I was in prior to the accident - its solely this that has annoyed me.

Driver behind me tried to drive off, when I stopped her denied she'd hit me and I got nothing other than her registration number and a witness who had nearly been hit by the same driver. At fault driver denies she hit me, her car has been examined and she claims the small damage to her own car is not new. My insurance company are not actively attempting to contact the witness and are saying as she has denied it there's nothing they can do and have logged it as a fault claim to me.

Furious does not even cover it
Why not go straight to her insurance company instead of your own?

solo2

858 posts

146 months

Saturday 26th June 2021
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PorkInsider said:
solo2 said:
I'm currently going around in circles with a claim. I was stationary in a queue of traffic and the car behind bumped me, not much but has still cracked the paint of my bumper and left a few outward dents over where brackets under the bumper are so it needs to be replaced but is by no means anything other than cosmetic on the car. However even this small bump has aggravated an existing whiplash injury which has never fully healed and has left me in more pain than I was in prior to the accident - its solely this that has annoyed me.

Driver behind me tried to drive off, when I stopped her denied she'd hit me and I got nothing other than her registration number and a witness who had nearly been hit by the same driver. At fault driver denies she hit me, her car has been examined and she claims the small damage to her own car is not new. My insurance company are not actively attempting to contact the witness and are saying as she has denied it there's nothing they can do and have logged it as a fault claim to me.

Furious does not even cover it
Why not go straight to her insurance company instead of your own?
Because I do not know who her insurance company is, she drove off without giving me details. All I've been told by my own insurance company is it's being logged as a fault claim to me as she denies it. End of. Seriously regret not installing a front/read dash cam now.

SydneyBridge

8,500 posts

157 months

Saturday 26th June 2021
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Go to askMib website, pay £3.50, assuming you have the reg. Phone the insurers, report the incident and they have to investigate

Mammasaid

3,777 posts

96 months

Saturday 26th June 2021
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solo2 said:
Because I do not know who her insurance company is, she drove off without giving me details. All I've been told by my own insurance company is it's being logged as a fault claim to me as she denies it. End of. Seriously regret not installing a front/read dash cam now.
www.Askmid.com

Yadizzle1

Original Poster:

684 posts

124 months

Sunday 27th June 2021
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The damage is £200 to fix, excess is £150 + impact to ncb/policy price so going down the repair route.

Third party has agreed to contribute half of the cost which I think will do and is definitely better than nothing.

Absolute ste situation though, my first ever brand new car and it's already been damaged and not even by myself cry

martinbiz

3,047 posts

144 months

Sunday 27th June 2021
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av185 said:
Your premium will inevitably rise even though it was a non fault accident
No it won't

av185

18,433 posts

126 months

Sunday 27th June 2021
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martinbiz said:
av185 said:
Your premium will inevitably rise even though it was a non fault accident
No it won't
Link to prove?

martinbiz

3,047 posts

144 months

Sunday 27th June 2021
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av185 said:
Link to prove?
Link to prove what? You suggested like many do that a premium would go up after a no fault claim, that is simply incorrect

stinkyspanner

701 posts

76 months

Sunday 27th June 2021
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^Mine did when I was hit whilst stationary. Something to do with stats showing that most people who have a claim regardless of fault will claim again in the next few years. At the time I thought bks, but it was true as it turned out

martinbiz

3,047 posts

144 months

Sunday 27th June 2021
quotequote all
stinkyspanner said:
^Mine did when I was hit whilst stationary. Something to do with stats showing that most people who have a claim regardless of fault will claim again in the next few years. At the time I thought bks, but it was true as it turned out
Some will and some won't, there is a whole collection of different circumstances the ins co will take into account not least the drivers age and record. this subject has been done to death on here over the years, so to state that a premium will automatically rise irrespective is just wrong, simples

loskie

5,144 posts

119 months

Sunday 27th June 2021
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martinbiz said:
av185 said:
Link to prove?
Link to prove what? You suggested like many do that a premium would go up after a no fault claim, that is simply incorrect
My old Forester was written off by a young lad who pulled out in front of me.
Claimed directly off his insurer notified mine.

NO increase in premiums.