insurance claim
Author
Discussion

BenEaton91

Original Poster:

22 posts

157 months

Saturday 8th February 2014
quotequote all
Car door got dented and scratched today by the car next to me. Their child swung the door into mine probably aided with the strong winds at the moment.

He gave me his details and said about insurance.

He has admitted fault already, there are cameras in the car park anyway.

What is the process of claiming on his insurance?

What does the insurance inspector check when they view my damage?

Do I pay anything at all??

Cheers..

itz_baseline

833 posts

251 months

Saturday 8th February 2014
quotequote all
If you are going through insurance, why not just phone your insurance company and ask them?

Andehh

7,598 posts

236 months

Saturday 8th February 2014
quotequote all
Just to be on the safe side I'd start trying to get gold of the camera footage. Some people can have memory lapses when prices and the reality comes in!

Blue Oval84

5,396 posts

191 months

Saturday 8th February 2014
quotequote all
You just ring his insurers, once they know he's admitted fault they'll sort it all for you smile

richs2891

906 posts

283 months

Saturday 8th February 2014
quotequote all
Definitely agree on whats said about the getting the camera footage from the carpark. Even if you don't pass it your insurance company should you decide to go down that route. Its your safety net to prove what happened.

Oh and expect your insurance to go up regardless if it a no fault claim. And expect you will have to do work if the other party decides to plays silly beggars and deny the claim.
Depending how bad the door damage is I would be tempted to get an independant quote from a garage or a dent master one and see if they want to just pay for the damage.
If you go through insurance and other party had admitted liability then no don't have to pay anything, if they start messing around or deny the claim you could have to pay your access to get your car fixed - which will be refunded when the insurance company sort its.

You have probably worked out I'm not a fan of insurance companies at all, - I've had 2 claims in the last 5 years and both time where a lot of hassle with poor quality repair jobs, corner cutting and an unsafe repair and only doing 1/2 the work !

Edited by richs2891 on Saturday 8th February 19:19


Edited by richs2891 on Saturday 8th February 19:25

Slidingpillar

761 posts

166 months

Saturday 8th February 2014
quotequote all
While insurance can go up for a no fault accident where the excess was recovered, it does not necessarily. Depends on your insurance company.

Situation happened to me twice (several years apart) and no loading that I could detect on renewal.

Vipers

33,505 posts

258 months

Saturday 8th February 2014
quotequote all
Had a ding on my car door, didn't see who done it, didn't even crack the paint but looked bad.

£420. My exes was £400. Ouch......




smile

MattyB_

2,337 posts

287 months

Saturday 8th February 2014
quotequote all
Vipers said:
Had a ding on my car door, didn't see who done it, didn't even crack the paint but looked bad.

£420. My exes was £400. Ouch......




smile
Even if your excess was 100, I'd still consider not claiming. Bear in mind some insurers ask for any claims in the last 5 years, so that's potentially 5 years of inflated premiums.

Not an issue for the OP of course....although that being said, non-fault claims also count against you too (sometimes)

sunnydude959

907 posts

157 months

Saturday 8th February 2014
quotequote all
How big is the dent, and how much paint damage has been done?

Its could be better for both of your insurance premiums (for the next 5 years) if the other party pays to repair your door at a body shop. I'd imagine they could pull out the dent, and apply some touch-up paint to that area?

Depends how bad it is, and at what point you'd say "Oh, that'll do the job"

(have you got any photos of the damage on your door?)

Vipers

33,505 posts

258 months

Saturday 8th February 2014
quotequote all
MattyB_ said:
Vipers said:
Had a ding on my car door, didn't see who done it, didn't even crack the paint but looked bad.

£420. My exes was £400. Ouch......




smile
Even if your excess was 100, I'd still consider not claiming. Bear in mind some insurers ask for any claims in the last 5 years, so that's potentially 5 years of inflated premiums.

Not an issue for the OP of course....although that being said, non-fault claims also count against you too (sometimes)
Didn't bother claiming twenty quid. Wish I had caught the barsteward who did it though.




smile