Mad insurance claim costs

[JohnDoe123]

This claim was £8600 on an Audi Q7 diesel. Damage was caused by my named driver while the Audi was parked. My car had £250 of paintwork and is fine. Am I going to suffer higher insurance costs as a result of the claim being wildly inflated? How is this not fraud?

[Geoffcapes]

Don't know about your claim, but my little claim for a van rear ending my Mercedes came out as follows:

Accident Damage Repair £3,200
Physio on my back after the whiplash £3,000 (the insurance company instructed a Mickey Mouse snake oil physio. I went to a proper one and was sorted in 4 visits).
Hire Car for 3 weeks £3,780
Legal bills £6,400

Total £16,380

And the guy who hit me wanted to settle it privately!

Will my premiums go up even though it wasn't my fault? Almost certainly.

[vikingaero]

The car hire for my sisters accident was over £23k due to shortage of parts.

[s55shh]

My (Swiss city) insurer paid out £7300 to this nutter who drove into by back corner on a roundabout. I complained but they justified it as mitigating the credit hire costs. My scrape polished out for £0. No injury claim.

[swisstoni]

Difficult to tell completely but the damage in the photo looks to be mostly a massive scuff, with the other car depositing it’s paint.

For once the ‘that will polish out’ joke might be largely correct.

[Mr Tidy]

There's a mark on the tyre, maybe the wheel too so whoever did the estimate probably included a suspension geometry check, allowed for a wheel and tyre and anything else they could think off to get to that sort of number.

My BMW 330i got a tap in the rear last year resulting in a couple of scuffs and small cracks in the rear bumper cover that BMW could supply in primer for £650.

Took it to the bodyshop recommended by the insurer of the driver who hit me and they had padded up their estimate to over £2K allowing for potential damage behind the bumper cover (unlikely as the parking sensors still worked), blending paint into the boot lid and rear wings, etc.

So now it's a Cat N.