Someone parking hit my car, I see, they deny!

[deltashad]

With behaviour like these old people have, you cannot win. Its quite normal too.
Now you have a scratch and they don't.

If you go to the insurance company you will lose even more.

The only way to deal with this is by operating outside the law, then you have to decide what sort of punishment these people deserve and how much time and money you are prepared to invest in carrying out your tasks. If you need help I am experienced in this type of non-confrontational combat warfare. Just because they are old it doesn't mean your enemy will be easily crushed.

[lewishollings]

berlintaxi said:

Norfolk, normal rules of civilisation don't apply.;)

Oh that old chestnut! haha

[lewishollings]

deltashad said:

With behaviour like these old people have, you cannot win. Its quite normal too.
Now you have a scratch and they don't.

If you go to the insurance company you will lose even more.

The only way to deal with this is by operating outside the law, then you have to decide what sort of punishment these people deserve and how much time and money you are prepared to invest in carrying out your tasks. If you need help I am experienced in this type of non-confrontational combat warfare. Just because they are old it doesn't mean your enemy will be easily crushed.

I like the plan sir, we would need to discuss the plan of attack and what angle we should take this from, we shouldn't under estimate our enemies.

[robdcfc]

kiethton said:

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????

Got quoted that (plus VAT) for a tiny scuff on the corner of my old 540i a couple of years ago - did have to go to their unit (non-mobile)

So a polish then not paint??? I own a CA franchise and can say no one is working for that sort of money.

[FIREBIRDC9]

For a little mark like that i wouldn't bother

Buy some touch up paint and be done with it.


Being a young driver using your insurance will be shooting yourself in the foot

[Douglas Quaid]

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.

Mine went up because some numbnut crashed into me while I was stationary, waiting to pull out of a junction. I am likely to be stationary again at some point while driving. Very frustrating to be hit in the pocket as well as in the vehicle.

[andrewparker]

Not read the whole thread but this happened to me just over 12 months ago. Two lads pulling into a space next to my car scraped down it and left half a metre of damage. I saw it from afar, and a chap also spoke to them and told them they would need to leave a note. Unfortunately with two young children in tow they drove off before I could reach them. The carpark had CCTV footage, albeit from the other side of the car so not conclusive, there was also CCTV footage of them driving away and an ANPR camera captured an image as they drove onto the main road. There was also a witness to the accident whose number I obtained. Despite Police involvement and the owner of the car changing their story twice as to their whereabouts on the day, the insurance company informed me only last week that they thought they were fighting a losing battle and that I should just claim for the damage on my own policy.

I have the name of the person, and although I don't know them, they do live locally.

[xjay1337]

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.

Indeed.

I would be very annoyed indeed but OP has really done a blinder here, by causing the other party to go through insurance for what would be able to be covered up in an hour with some touch up stick and polishing, has now probably added 100% to his insurance policy to be spread over the next 5 years.

Hopefully the feeling of righteousness is a good replacement for kebabs as you won't be able to afford one for a while

[popeyewhite]

andrewparker said:

I have the name of the person, and although I don't know them, they do live locally.

You said "two young lads" in your post: It might be worth considering they live with their parents and trying to reason with them?

[andrewparker]

popeyewhite said:

andrewparker said:

I have the name of the person, and although I don't know them, they do live locally.

You said "two young lads" in your post: It might be worth considering they live with their parents and trying to reason with them?

I think this is the complication. The car belongs to and is insured by a woman, and she wasn't there. So she either knows who was driving the car and allowed them to drive it uninsured, or the person (who is obviously known to her) took it without her permission.

Either way, she has said it didn't happen, and that appears to be that!

[popeyewhite]

andrewparker said:

I think this is the complication. The car belongs to and is insured by a woman, and she wasn't there. So she either knows who was driving the car and allowed them to drive it uninsured, or the person (who is obviously known to her) took it without her permission.

Either way, she has said it didn't happen, and that appears to be that!

How awkward these things can get! Personally I would badger my insurance company further and express my strong desire to see this matter resolved in my favour, Stressing you're happy to go to court, have potential evidence to show etc etc Have you got as far as being appointed a solicitor by your insurance company?

[NDA]

andrewparker said:

Not read the whole thread but this happened to me just over 12 months ago. Two lads pulling into a space next to my car scraped down it and left half a metre of damage. I saw it from afar, and a chap also spoke to them and told them they would need to leave a note. Unfortunately with two young children in tow they drove off before I could reach them. The carpark had CCTV footage, albeit from the other side of the car so not conclusive, there was also CCTV footage of them driving away and an ANPR camera captured an image as they drove onto the main road. There was also a witness to the accident whose number I obtained. Despite Police involvement and the owner of the car changing their story twice as to their whereabouts on the day, the insurance company informed me only last week that they thought they were fighting a losing battle and that I should just claim for the damage on my own policy.

I have the name of the person, and although I don't know them, they do live locally.

Small Claims Court... definitely.

Can you go and photograph the damage to their car?

[andrewparker]

NDA said:

andrewparker said:

Not read the whole thread but this happened to me just over 12 months ago. Two lads pulling into a space next to my car scraped down it and left half a metre of damage. I saw it from afar, and a chap also spoke to them and told them they would need to leave a note. Unfortunately with two young children in tow they drove off before I could reach them. The carpark had CCTV footage, albeit from the other side of the car so not conclusive, there was also CCTV footage of them driving away and an ANPR camera captured an image as they drove onto the main road. There was also a witness to the accident whose number I obtained. Despite Police involvement and the owner of the car changing their story twice as to their whereabouts on the day, the insurance company informed me only last week that they thought they were fighting a losing battle and that I should just claim for the damage on my own policy.

I have the name of the person, and although I don't know them, they do live locally.

Small Claims Court... definitely.

Can you go and photograph the damage to their car?

Sorry, I should have been clearer, I don't know exactly where they live, the Police told me her name and town where she lives. I'd think 12 months after the event there is no damage to their car that could be definitely attributed to the accident.

The thing that still annoys me to the day, is that I could see the lad in the passenger seat craning his head out the window then holding his head in his hands. I knew something must have happened, I just couldn't get there quick enough to hold them to account.

[andrewparker]

popeyewhite said:

andrewparker said:

I think this is the complication. The car belongs to and is insured by a woman, and she wasn't there. So she either knows who was driving the car and allowed them to drive it uninsured, or the person (who is obviously known to her) took it without her permission.

Either way, she has said it didn't happen, and that appears to be that!

How awkward these things can get! Personally I would badger my insurance company further and express my strong desire to see this matter resolved in my favour, Stressing you're happy to go to court, have potential evidence to show etc etc Have you got as far as being appointed a solicitor by your insurance company?

The complication for me in that situation was that I was told I'd have to claim for the damage through my own policy, then they'd pursue them. I wasn't happy with this because ultimately it results in a claim on my policy with no guarantee of a result after that.

[popeyewhite]

andrewparker said:

The complication for me in that situation was that I was told I'd have to claim for the damage through my own policy, then they'd pursue them. I wasn't happy with this because ultimately it results in a claim on my policy with no guarantee of a result after that.

And how expensive is the repair?

[NDA]

andrewparker said:

Sorry, I should have been clearer, I don't know exactly where they live, the Police told me her name and town where she lives. I'd think 12 months after the event there is no damage to their car that could be definitely attributed to the accident.

The thing that still annoys me to the day, is that I could see the lad in the passenger seat craning his head out the window then holding his head in his hands. I knew something must have happened, I just couldn't get there quick enough to hold them to account.

Ah - you did mention it was a year ago...

How hugely frustrating.

[andrewparker]

popeyewhite said:

andrewparker said:

The complication for me in that situation was that I was told I'd have to claim for the damage through my own policy, then they'd pursue them. I wasn't happy with this because ultimately it results in a claim on my policy with no guarantee of a result after that.

And how expensive is the repair?

Well, simply not enough to be worth it in my eyes. I've had an estimate of £300 which I'll foot the cost of. Guess it was just the principle of the matter for me, and the weight of 'evidence' against them made it seem like they couldn't win. But they have.

[popeyewhite]

andrewparker said:

popeyewhite said:

andrewparker said:

The complication for me in that situation was that I was told I'd have to claim for the damage through my own policy, then they'd pursue them. I wasn't happy with this because ultimately it results in a claim on my policy with no guarantee of a result after that.

And how expensive is the repair?

Well, simply not enough to be worth it in my eyes. I've had an estimate of £300 which I'll foot the cost of. Guess it was just the principle of the matter for me, and the weight of 'evidence' against them made it seem like they couldn't win. But they have.

Yes, it happens. Oh well.

[lewishollings]

xjay1337 said:

Indeed.

I would be very annoyed indeed but OP has really done a blinder here, by causing the other party to go through insurance for what would be able to be covered up in an hour with some touch up stick and polishing, has now probably added 100% to his insurance policy to be spread over the next 5 years.

Hopefully the feeling of righteousness is a good replacement for kebabs as you won't be able to afford one for a while

I'll be back in a year to tell you if I'm poor or not but I'm sure I'll still be able to comfortably afford insuring my car.

People like to get on their high horse in this situation much like yourself, but I'm sure if you watched someone damage your car you wouldn't just let them walk away? I can Guarantee it won't increase 100% so the exaggeration isn't necessary just to help justify your point.

You're more than welcome to carry on driving your car around like a bumper car and filling it in with a stty touch up pen though.

[xjay1337]

lewishollings said:

xjay1337 said:

Indeed.

I would be very annoyed indeed but OP has really done a blinder here, by causing the other party to go through insurance for what would be able to be covered up in an hour with some touch up stick and polishing, has now probably added 100% to his insurance policy to be spread over the next 5 years.

Hopefully the feeling of righteousness is a good replacement for kebabs as you won't be able to afford one for a while

I'll be back in a year to tell you if I'm poor or not but I'm sure I'll still be able to comfortably afford insuring my car.

People like to get on their high horse in this situation much like yourself, but I'm sure if you watched someone damage your car you wouldn't just let them walk away? I can Guarantee it won't increase 100% so the exaggeration isn't necessary just to help justify your point.

You're more than welcome to carry on driving your car around like a bumper car and filling it in with a stty touch up pen though.

I have indeed been in your situation. I didn't walk away, I got them to give me some money.
I got home, touched up / sanded / polished the area and it was not noticeable afterwards.
I've also had my car reversed into (my old Mk5 GTI) with no note / witnesses - requiring a new wing and extensive paintwork totalling £600. I did that privately without going through insurance

As such I have no accidents and full no claims bonus.

Your insurance will go up.
Assuming it's £1000 now.
it may well be £1350 next year, the year after it may be £1200, the year after that £1050, and so on...

Where as if you hadn't claimed / declared the incident / caused it to go through insurance , may have been £850 next year, £600 the year after, and so on.

So yes, over the next 5 years it would not surprise me if your total premium payable (over the 5 years) is increased by 100% of your current insurance price.

All for a scratch which I could repair to a standard where it would not be noticeable in an hour, or have the bumper resprayed (completely, by a professional bodyshop) for approx £150.

Certainly the increase in premiums / cost of excess / loss of no claims will be more than the cost to repair the damage, which is why I get frustrated by people like you.