Someone parking hit my car, I see, they deny!
Discussion
kiethton said:
For the sake of £30 to chipsaway (or similar) I would just chalk it up and pay it yourself.
Even with a no-fault claim your insurance will go up by a lot more than £30 next year....and you've got to declare this for the next 3/5 years too (and get loaded each time...)
When did you get that price? 1988????Even with a no-fault claim your insurance will go up by a lot more than £30 next year....and you've got to declare this for the next 3/5 years too (and get loaded each time...)
robdcfc said:
kiethton said:
For the sake of £30 to chipsaway (or similar) I would just chalk it up and pay it yourself.
Even with a no-fault claim your insurance will go up by a lot more than £30 next year....and you've got to declare this for the next 3/5 years too (and get loaded each time...)
When did you get that price? 1988????Even with a no-fault claim your insurance will go up by a lot more than £30 next year....and you've got to declare this for the next 3/5 years too (and get loaded each time...)
If they did come into contact with your car, it looks like the number plate screw did the damage, as that small scrape wouldn't have been caused by their bumper.
You're right in principle to stick to your gusn about other causing damage to your property, however now that it has gone to a claim through insucance, you will need to declare the incident andthe claim as part of your own future renewals, which is likely to increase your premiums with some insurers, as your risk profile has changed. At a young age with small NCD, that might cost you quite a bit more in future insurance than the cost of the minor repair itself.
You're right in principle to stick to your gusn about other causing damage to your property, however now that it has gone to a claim through insucance, you will need to declare the incident andthe claim as part of your own future renewals, which is likely to increase your premiums with some insurers, as your risk profile has changed. At a young age with small NCD, that might cost you quite a bit more in future insurance than the cost of the minor repair itself.
Mandat said:
If they did come into contact with your car, it looks like the number plate screw did the damage, as that small scrape wouldn't have been caused by their bumper.
You're right in principle to stick to your gusn about other causing damage to your property, however now that it has gone to a claim through insucance, you will need to declare the incident andthe claim as part of your own future renewals, which is likely to increase your premiums with some insurers, as your risk profile has changed. At a young age with small NCD, that might cost you quite a bit more in future insurance than the cost of the minor repair itself.
I see, so strange how you get screwed for being honest in the insurers eyes.You're right in principle to stick to your gusn about other causing damage to your property, however now that it has gone to a claim through insucance, you will need to declare the incident andthe claim as part of your own future renewals, which is likely to increase your premiums with some insurers, as your risk profile has changed. At a young age with small NCD, that might cost you quite a bit more in future insurance than the cost of the minor repair itself.
lewishollings said:
Mandat said:
If they did come into contact with your car, it looks like the number plate screw did the damage, as that small scrape wouldn't have been caused by their bumper.
You're right in principle to stick to your gusn about other causing damage to your property, however now that it has gone to a claim through insucance, you will need to declare the incident andthe claim as part of your own future renewals, which is likely to increase your premiums with some insurers, as your risk profile has changed. At a young age with small NCD, that might cost you quite a bit more in future insurance than the cost of the minor repair itself.
I see, so strange how you get screwed for being honest in the insurers eyes!You're right in principle to stick to your gusn about other causing damage to your property, however now that it has gone to a claim through insucance, you will need to declare the incident andthe claim as part of your own future renewals, which is likely to increase your premiums with some insurers, as your risk profile has changed. At a young age with small NCD, that might cost you quite a bit more in future insurance than the cost of the minor repair itself.
while its annoying to see someone has damaged the paintwork it seems such a minor scrape to even worry about. leave it on and if you really need to fix it when it comes time to sell or give it back. whoever you give it back to might not even notice/care about something that small. There are much worser things that could happen like knobheads that will key your car (especially as it's a BMW).
ambuletz said:
while its annoying to see someone has damaged the paintwork it seems such a minor scrape to even worry about. leave it on and if you really need to fix it when it comes time to sell or give it back. whoever you give it back to might not even notice/care about something that small. There are much worser things that could happen like knobheads that will key your car (especially as it's a BMW).
Thank you.lewishollings said:
Hoofy said:
They're not about finding honest people. It's about assessing risk.
So I'm now more of a risk because an old lady hit my parked car? Great.Hoofy said:
Yep, I know how you feel. Don't tell them it's where you park regularly as that could imply it's likely to happen again.
I'll be sure not to! and I will avoid those spaces in future too just to prevent any more hassle. To others, I am well aware of how minor the damage is and how silly it may seem to some people to even be squabbling it, but things like that tend to get to me.
lewishollings said:
Hoofy said:
They're not about finding honest people. It's about assessing risk.
So I'm now more of a risk because an old lady hit my parked car? Great.That being the case, you were already a higher risk (according to the insurance algorithims, since you park in places where there is a likelyhood of being hit) but your insurance company did not know about it yet. They will know about it now, which is why your future premiums might increase as a result of this claim.
Mandat said:
You say that you frequently buy your kebabs at that shop, therefore it is safe to assume that you regularly park in those bays.
That being the case, you were already a higher risk (according to the insurance algorithims, since you park in places where there is a likelyhood of being hit) but your insurance company did not know about it yet. They will know about it now, which is why your future premiums might increase as a result of this claim.
At the same time the algorithms make no sense, the accident isn't the fault of the area or parking spot, it's the fault of the driver and driver only as plenty of people all day, everyday manage to get in and out just fine. I understand that's how it works and I'm not going to change that but it still doesn't stop me from thinking it's bullsThat being the case, you were already a higher risk (according to the insurance algorithims, since you park in places where there is a likelyhood of being hit) but your insurance company did not know about it yet. They will know about it now, which is why your future premiums might increase as a result of this claim.
t hahaHoofy said:
They're not about finding honest people. It's about assessing risk.
Because he's been hit once whilst stationary makes him more likely to be hit again? You don't believe that do you? You can use statistics to show anything you want it's a matter of what you want to find. Underwriters claim their statistics (anyone seen them?) show that once you've been in a accident you're more likely to be in another. That may be the case in a standard traffic accident scenario where two moving vehicles are involved, but in the case where you are absolutely, 100% not to blame, like the OP in this instance, it's complete bks. lewishollings said:
...To others, I am well aware of how minor the damage is and how silly it may seem to some people to even be squabbling it, but things like that tend to get to me.
Sad to say, it'll get to you a lot more when you're paying the increased premiums for the next 5 years.Still, you'll be morally correct so that'll be some comfort to your empty wallet.
If this bothers you THAT much you need to
A) Wrap your car up in nice soft cotton wool and keep it safely tucked away forever
B) Give up on cars and catch the bus.
It shouldn't happen, but it does happen, and getting stressed about it simply isn't worth it for the sums of money and actual life inconvenience involved. That scratch could have been caused at any time, and it is 100% inevitable that your car will acquire scratches like that if you use it. You're on a time consuming road to nowhere trying to get some sort of satisfaction from the people you believe caused this scratch.
A) Wrap your car up in nice soft cotton wool and keep it safely tucked away forever
B) Give up on cars and catch the bus.
It shouldn't happen, but it does happen, and getting stressed about it simply isn't worth it for the sums of money and actual life inconvenience involved. That scratch could have been caused at any time, and it is 100% inevitable that your car will acquire scratches like that if you use it. You're on a time consuming road to nowhere trying to get some sort of satisfaction from the people you believe caused this scratch.
lewishollings said:
So I parked up in our town to get a kebab!
Notice an old couple parallel parking behind my car, they look way too close for comfort for me so they finish, I walk up to check the back and notice a scrape on my back bumper! It wasn't there before that, I know my car very well!
I walk out and tell them they've hit my car as they try walking away, they deny and tell me I'm chatting st, I told them I just watched them do it, they tell me there sensors didn't go off, I take a look and see my paint on there number plate!
They still deny, my questions is it's my work against theirs, a woman from the local taxi rank further up the road gave me her details and told me she saw it happen too so I have a little back, I've taken plenty of pictures and send them off.
Question is, if I win the claim does my excess still have to be paid, and will I lose no claims as I wasn't even in the car? I'm 22 and to lose my NCB and have the extra charge for the excess would cripple me at the moment!
The scratch is small but not the point in my eyes, the damage was caused by them so should be fixed by them!
I just love it when people take photographs of my close parking styleNotice an old couple parallel parking behind my car, they look way too close for comfort for me so they finish, I walk up to check the back and notice a scrape on my back bumper! It wasn't there before that, I know my car very well!
I walk out and tell them they've hit my car as they try walking away, they deny and tell me I'm chatting s
t, I told them I just watched them do it, they tell me there sensors didn't go off, I take a look and see my paint on there number plate!They still deny, my questions is it's my work against theirs, a woman from the local taxi rank further up the road gave me her details and told me she saw it happen too so I have a little back, I've taken plenty of pictures and send them off.
Question is, if I win the claim does my excess still have to be paid, and will I lose no claims as I wasn't even in the car? I'm 22 and to lose my NCB and have the extra charge for the excess would cripple me at the moment!
The scratch is small but not the point in my eyes, the damage was caused by them so should be fixed by them!
dme123 said:
If this bothers you THAT much you need to
A) Wrap your car up in nice soft cotton wool and keep it safely tucked away forever
B) Give up on cars and catch the bus.
It shouldn't happen, but it does happen, and getting stressed about it simply isn't worth it for the sums of money and actual life inconvenience involved. That scratch could have been caused at any time, and it is 100% inevitable that your car will acquire scratches like that if you use it. You're on a time consuming road to nowhere trying to get some sort of satisfaction from the people you believe caused this scratch.
Again, I do not "believe" they caused it, I know they caused it.A) Wrap your car up in nice soft cotton wool and keep it safely tucked away forever
B) Give up on cars and catch the bus.
It shouldn't happen, but it does happen, and getting stressed about it simply isn't worth it for the sums of money and actual life inconvenience involved. That scratch could have been caused at any time, and it is 100% inevitable that your car will acquire scratches like that if you use it. You're on a time consuming road to nowhere trying to get some sort of satisfaction from the people you believe caused this scratch.
I understand everyday use will cause small damage to your car such as stone chips, windscreen chips, small scratches from washing etc. but a scrape wouldn't occur from using a car for it's intended use.
Just because you may not care about your cars bodywork, I personally do, and after 4 years of driving I haven't hit a thing or given my cars a single scrape, the odd curbed wheel every now and again which is completely my own fault but no actual damage to the car itself, am I lucky... Most probably and do I want to go around hitting s
t with my car? Nah not for me.DJP said:
lewishollings said:
...To others, I am well aware of how minor the damage is and how silly it may seem to some people to even be squabbling it, but things like that tend to get to me.
Sad to say, it'll get to you a lot more when you're paying the increased premiums for the next 5 years.Still, you'll be morally correct so that'll be some comfort to your empty wallet.
SantaBarbara said:
I just love it when people take photographs of my close parking style
I'm not really too bother when cars park close to be honest, the picture was just to show the height more than anything, even if they'd have bumped me but no damage was caused I would have walked away in the same mood as I arrived.Gassing Station | General Gassing | Top of Page | What's New | My Stuff