Insurance advice after a crash please
Discussion
A friend of mine rear ended a young girl who anchored on on a dual carriageway from 60mph (car infront of her braked heavily for something) he just touched her and the only damage to his car was a scuff on his number plate (he reckons he hit her at around 1-2mph) I've seen the damage so he isn't lieing.
Her bumper was most likely slightly marked, he told her to get him a quote and he would pay for the bumper sorting out.
She came back with £900, he said that was far too high can she get another quote, she came back with £450
He asked for a final price as he knows how much an entire bump spray costs (I'd expect she has a scuff) she ceased all contact and he's since received a letter from her insurance.
It looks as though she's pushed for an entire new bumper to be fit.
He's asking me for advice on what to say as he'd rather just pay as his excess is £750 so there's no point in him going through his own insurance. I'm not sure what to tell him, any advice?
Personally I'd be happy to pay £300, maybe £400 maximum but I'd refuse £900 as surely she has to mitigate her losses and not simply claim for as much as possible.
Her bumper was most likely slightly marked, he told her to get him a quote and he would pay for the bumper sorting out.
She came back with £900, he said that was far too high can she get another quote, she came back with £450
He asked for a final price as he knows how much an entire bump spray costs (I'd expect she has a scuff) she ceased all contact and he's since received a letter from her insurance.
It looks as though she's pushed for an entire new bumper to be fit.
He's asking me for advice on what to say as he'd rather just pay as his excess is £750 so there's no point in him going through his own insurance. I'm not sure what to tell him, any advice?
Personally I'd be happy to pay £300, maybe £400 maximum but I'd refuse £900 as surely she has to mitigate her losses and not simply claim for as much as possible.
StottyEvo said:
A friend of mine rear ended a young girl who anchored on on a dual carriageway from 60mph (car infront of her braked heavily for something) he just touched her and the only damage to his car was a scuff on his number plate (he reckons he hit her at around 1-2mph) I've seen the damage so he isn't lieing.
Her bumper was most likely slightly marked, he told her to get him a quote and he would pay for the bumper sorting out.
She came back with £900, he said that was far too high can she get another quote, she came back with £450
He asked for a final price as he knows how much an entire bump spray costs (I'd expect she has a scuff) she ceased all contact and he's since received a letter from her insurance.
It looks as though she's pushed for an entire new bumper to be fit.
He's asking me for advice on what to say as he'd rather just pay as his excess is £750 so there's no point in him going through his own insurance. I'm not sure what to tell him, any advice?
Personally I'd be happy to pay £300, maybe £400 maximum but I'd refuse £900 as surely she has to mitigate her losses and not simply claim for as much as possible.
He doesn't pay his excess if he isn't claiming for his damage.Her bumper was most likely slightly marked, he told her to get him a quote and he would pay for the bumper sorting out.
She came back with £900, he said that was far too high can she get another quote, she came back with £450
He asked for a final price as he knows how much an entire bump spray costs (I'd expect she has a scuff) she ceased all contact and he's since received a letter from her insurance.
It looks as though she's pushed for an entire new bumper to be fit.
He's asking me for advice on what to say as he'd rather just pay as his excess is £750 so there's no point in him going through his own insurance. I'm not sure what to tell him, any advice?
Personally I'd be happy to pay £300, maybe £400 maximum but I'd refuse £900 as surely she has to mitigate her losses and not simply claim for as much as possible.
Whether he agreed with the quotes or not she came to him with two prices, he declined and she's now chosen to go through her insurer which she is entitled too.
She wouldn't be able to push for anything, her insurer will have had a quote done as they're liable for the repairs through their chosen repairer they'll likely go with the best option that reduces the chance of any future rectification work.
If she has her own chosen repairer not the insurers then the insurance companies engineers will review the costs to make sure they are resonable.
Brilliant information! I didn't know that he didn't have to pay his excess if he didn't claim for his own car.
He may as well call up, see what the amount is and weight up if its worth losing his no claims bonus over. If its a low amount he'll probably pay, if its a high amount he can instruct his insurance to settle the bill.
He may as well call up, see what the amount is and weight up if its worth losing his no claims bonus over. If its a low amount he'll probably pay, if its a high amount he can instruct his insurance to settle the bill.
Purity14 said:
Too late now, plus expect a bit of whippy to come through too, along with some hire car costs.
Total claim I expect to be about £5000.
HTH
That should hopefully be a little difficult looking at the damage to the cars. I thought accidents below 3mph were now thrown out of court? Total claim I expect to be about £5000.
HTH
On a side note I wonder who's giving this 18yr old terrible advice, her insurance will be inflated a fair bit for the next few years due to a claim.
jesta1865 said:
not really if all the costs are recovered from him, it may go up a little, but it's a no fault accident as far as she is concerned?
In my personal experience my insurance didn't see a different between a non-fault accident that resulted in zero damage to an at fault accident that resulted in £100,000 damage.I'd expect her insurance will be a fair bit more expensive, mine went from £1000 to £3500 with Elephant for 2 non fault accidents.
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