Non Fault Accident Help
Discussion
Hi All
Had the dreaded car park scrape at the weekend - came back to find a scratch along the length of the passenger door and rear quarter panel, with damage to the trim aswell.
It's a surface scratch, but deeper around the door.
I waited for the driver of the car with my paint on to return and spoke with him and his wife - after some denial they finally admitted he must have driven down the side and gave me his details.
I've had a couple of quotes to repair the damage for £450 or so and he was happy to pay me the money - however as he's retired and claiming a pension he asked if he can pay £250 this month and £200 next. I've then heard from the bodyshop they'll need the car for a couple of days minimum, so will need a courtesy car.
Obviously I don't want to stitch the guy up, as clearly his money's tight, so I've said it'll be easier to go through insurance.
The problem, I have is do I use an accident management company, as the bodyshop's recommended, or start it through my own insurance?
I've called Gladiator, who he's insured with, but they've said they can only act when he reports it.
I'm not looking to profit from this and only need my car fixed to a good standard and a car to allow me to get to work.
Advise gratefully appreciated.
Had the dreaded car park scrape at the weekend - came back to find a scratch along the length of the passenger door and rear quarter panel, with damage to the trim aswell.
It's a surface scratch, but deeper around the door.
I waited for the driver of the car with my paint on to return and spoke with him and his wife - after some denial they finally admitted he must have driven down the side and gave me his details.
I've had a couple of quotes to repair the damage for £450 or so and he was happy to pay me the money - however as he's retired and claiming a pension he asked if he can pay £250 this month and £200 next. I've then heard from the bodyshop they'll need the car for a couple of days minimum, so will need a courtesy car.
Obviously I don't want to stitch the guy up, as clearly his money's tight, so I've said it'll be easier to go through insurance.
The problem, I have is do I use an accident management company, as the bodyshop's recommended, or start it through my own insurance?
I've called Gladiator, who he's insured with, but they've said they can only act when he reports it.
I'm not looking to profit from this and only need my car fixed to a good standard and a car to allow me to get to work.
Advise gratefully appreciated.
Edited by LargeD on Tuesday 3rd September 12:11
I would probably report it to insurance as your supposed to, but you risk being loaded as on BBC news the other day.
I wouldn't claim on my insurance, but use an asset management company IF he couldn't agree to the full amount up front plus loan car if needed..
Don't see yourself off for someone else's stupidity.
I wouldn't claim on my insurance, but use an asset management company IF he couldn't agree to the full amount up front plus loan car if needed..
Don't see yourself off for someone else's stupidity.
LargeD said:
Ha, fair enough - always best to check I'm not missing something.
On the phone to them now, cheers.
Don't forget to ask them if a no fault claim will affect your future premiums - all calls are likely to be recorded so their answer will be available in the future if needed.On the phone to them now, cheers.
nottyash said:
I would probably report it to insurance as your supposed to, but you risk being loaded as on BBC news the other day.
I wouldn't claim on my insurance, but use an asset management company IF he couldn't agree to the full amount up front plus loan car if needed..
Don't see yourself off for someone else's stupidity.
Ended up being put through to their "non-fault service" which is an accident management company anyway.I wouldn't claim on my insurance, but use an asset management company IF he couldn't agree to the full amount up front plus loan car if needed..
Don't see yourself off for someone else's stupidity.
Assured no claims and future policies will not be affected, but time will tell...
Going to your insurance or accident company, either way you shouldn't be out of pocket or without a car for some time. I used an accident management company a while back when my car was damaged called Kindertons, (www.kindertons.co.uk).
Picked my car up, dropped off a really nice BMW 1 series in replacement and dealt with all issues moving forwards.and got my car back when completed, genuinely a pleasant experience and made a nice change to the standard poverty spec hire cars standard insurance companies provide you.
Also, check in your documents, my insurance a courtesy car was EXTRA!!!!! if you haven't ticked this box which they now charge extra for (which used to be standard) you might not get a courtesy car if you go direct through your own. I didn't realise this until someone told me either but going to an accident management company avoids this.
Picked my car up, dropped off a really nice BMW 1 series in replacement and dealt with all issues moving forwards.and got my car back when completed, genuinely a pleasant experience and made a nice change to the standard poverty spec hire cars standard insurance companies provide you.
Also, check in your documents, my insurance a courtesy car was EXTRA!!!!! if you haven't ticked this box which they now charge extra for (which used to be standard) you might not get a courtesy car if you go direct through your own. I didn't realise this until someone told me either but going to an accident management company avoids this.
Just another quick question
After logging this with the accident management company my insurance passed me through to, I've now had the other parties insurance contact me directly to say he's taken full responsibility and they can sort for me quicker.
Now I'm happy to use them, as it'll reduce the bill overall, but I'm not missing anything obvious or going to get stung in some way in the future am I?
I'll be calling the accident management company to cancel everything shortly, unless anyone can think of a reason to use them?
After logging this with the accident management company my insurance passed me through to, I've now had the other parties insurance contact me directly to say he's taken full responsibility and they can sort for me quicker.
Now I'm happy to use them, as it'll reduce the bill overall, but I'm not missing anything obvious or going to get stung in some way in the future am I?
I'll be calling the accident management company to cancel everything shortly, unless anyone can think of a reason to use them?
LargeD said:
Just another quick question
After logging this with the accident management company my insurance passed me through to, I've now had the other parties insurance contact me directly to say he's taken full responsibility and they can sort for me quicker.
Now I'm happy to use them, as it'll reduce the bill overall, but I'm not missing anything obvious or going to get stung in some way in the future am I?
I'll be calling the accident management company to cancel everything shortly, unless anyone can think of a reason to use them?
Just pass the details to the accident management company. Thers's another thread on here at present where a guy agrred to deal direct with the 3rd parties insurer and got stiffed as they wouldn't agree a high enough value for the replacement. He tried to go back to his own insurer and they weren't interesetd.After logging this with the accident management company my insurance passed me through to, I've now had the other parties insurance contact me directly to say he's taken full responsibility and they can sort for me quicker.
Now I'm happy to use them, as it'll reduce the bill overall, but I'm not missing anything obvious or going to get stung in some way in the future am I?
I'll be calling the accident management company to cancel everything shortly, unless anyone can think of a reason to use them?
Denis O said:
LargeD said:
Just another quick question
After logging this with the accident management company my insurance passed me through to, I've now had the other parties insurance contact me directly to say he's taken full responsibility and they can sort for me quicker.
Now I'm happy to use them, as it'll reduce the bill overall, but I'm not missing anything obvious or going to get stung in some way in the future am I?
I'll be calling the accident management company to cancel everything shortly, unless anyone can think of a reason to use them?
Just pass the details to the accident management company. Thers's another thread on here at present where a guy agrred to deal direct with the 3rd parties insurer and got stiffed as they wouldn't agree a high enough value for the replacement. He tried to go back to his own insurer and they weren't interesetd.After logging this with the accident management company my insurance passed me through to, I've now had the other parties insurance contact me directly to say he's taken full responsibility and they can sort for me quicker.
Now I'm happy to use them, as it'll reduce the bill overall, but I'm not missing anything obvious or going to get stung in some way in the future am I?
I'll be calling the accident management company to cancel everything shortly, unless anyone can think of a reason to use them?
You mention overall bill, you shouldn't be paying anything at all, what bill do you refer to?
Who are his insurers ? If its one of the big players like Aviva etc, then let them get on with it, ditch the bloodsucking accident management company, all they will do is bill for a load of admin you don't need and take a slice of the car hire at premium rates, his insurers will give you a runabout and repair your car, simples, not like theres any uninsured losses or injury, I've had this happen twice with 3rd part insurers offering to take my car away and deal with it, both times were they were faultless in process....
I'd probably have just risked a personal payment for a minor scratch and stomached the inconvenience of a cheap hire car for a couple of days while mine was in the workshop. It's not like it's caused structural damage or anything and the insurance companies will load you for it in years to come.
I had somebody back into me about 20 years ago in a carpark on a car I'd owned 40 minutes. The local garage sorted it for about £100 which was less than the third party's excess.
I can't help thinking a lot of car park knocks now go through management companies that turn a £200 scratch into a £1000 bill and then try to get you to claim whiplash.
I had somebody back into me about 20 years ago in a carpark on a car I'd owned 40 minutes. The local garage sorted it for about £100 which was less than the third party's excess.
I can't help thinking a lot of car park knocks now go through management companies that turn a £200 scratch into a £1000 bill and then try to get you to claim whiplash.
nipsips said:
Accident management companies are only interested in managing their own profits, not getting your car repaired properly, or on time. Use the innocent third party team of the other drivers insurer.
At the end of the day they are a business so of course they are in it for a profit.I however have nothing but praise for the company I used.
I had a hire car the whole time my car was off the road, my car repair was excellent, it took as long as estimated and best of all my insurance wasn't used so my no claims not touched.
They rely on a good service so word is spread and they are used again. Far better than being used by your insurance company, who incidently sell your details on to other profit making organisations to take your case on
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