Discussion
My son, driving my car, unfortunately managed to shunt a car on a dual carriageway roundabout last night. It was raining and blowing hard at the time, and he said he was watching the antics of a van in the outside lane. The car moved over the line and stopped again suddenly, he doesent know why, he didn't. Insurance said no problem, we have protected NCD., just pay excess, or sort it oursleves if cost less than excess. There was damage only, what is the likelihood of police getting involved?
My car probably needs a new plastic bumper, and the headlamp was pushed in. There also seems to be a crumpled 'crumplezone', but no metal or paintwork damage. The other car was a mini, and dont know extent of damage to theirs yet.
My car probably needs a new plastic bumper, and the headlamp was pushed in. There also seems to be a crumpled 'crumplezone', but no metal or paintwork damage. The other car was a mini, and dont know extent of damage to theirs yet.
Hi Bob.
I'd be tempted to get it sorted myself and not claim if the cost isn’t too high / excess is high (even though you have PNCB, its still classed as a claim and will count against you when renewing)
Sorry to hear about your son's bump.
On a similar note….
I once asked my cousin James (who hadn’t long passed his test) to drop me off at Manchester airport. I wasn’t driven there particularly fast, but he kept a distance between his car and the car in front of about the size of my member (and im not a big big boy)
He happened to look down and fiddle with the radio for about a second and didn’t notice the traffic stopping. He hit the car in front at about 70 and the front end flipped up (car nose pointing down). Strangely enough the car in front (a new'sh BMW) didn’t stop, pull over to inspect the damage or exchange details; instead everyone continued on their way.
Needless to say he always kept his distance after that experience.
I'd be tempted to get it sorted myself and not claim if the cost isn’t too high / excess is high (even though you have PNCB, its still classed as a claim and will count against you when renewing)
Sorry to hear about your son's bump.
On a similar note….
I once asked my cousin James (who hadn’t long passed his test) to drop me off at Manchester airport. I wasn’t driven there particularly fast, but he kept a distance between his car and the car in front of about the size of my member (and im not a big big boy)
He happened to look down and fiddle with the radio for about a second and didn’t notice the traffic stopping. He hit the car in front at about 70 and the front end flipped up (car nose pointing down). Strangely enough the car in front (a new'sh BMW) didn’t stop, pull over to inspect the damage or exchange details; instead everyone continued on their way.
Needless to say he always kept his distance after that experience.
Thanks herewego I will sit in with him. I asked him if he wanted to drive round the block this morning after I had made the headlamp secure, but he declined. Still shocked I suppose, although he says not.
Insurance Co has arranged for dealer to contact tomorrow to provide estimate and then for me to decide if I or insurance pays. Unfortunately £500 Excess for under 20's :-(
Insurance Co has arranged for dealer to contact tomorrow to provide estimate and then for me to decide if I or insurance pays. Unfortunately £500 Excess for under 20's :-(
You may be better off paying for your own damage if it is under the excess figure, don't forget that any young drivers excess will be added to any standard excess you have so it can be quite high. It would also be worth shopping around for quotes as the insurance companies own repairer wont be cheap, they also wont be quick.
As you have notified your insurance company it isn't worth worrying about, or contacting the other party, let the insurance companies sort it out, that's what you have paid your premium for in the first place.
As you have notified your insurance company it isn't worth worrying about, or contacting the other party, let the insurance companies sort it out, that's what you have paid your premium for in the first place.
Had a head on crash with a drunk when I was 18 and it took me along time to get over it. Lesson learned from that crash was every other driver is enemy number 1 and that has saved me from bumps and shunts ever since. So a slight tap even though maybe not a cheap one will be a good thing in the long run.
Edited by c3ber on Sunday 14th January 16:57
D1bble said:
I'd be tempted to get it sorted myself and not claim if the cost isn’t too high / excess is high (even though you have PNCB, its still classed as a claim and will count against you when renewing)
Insurance Company was very helpful this morning when I spoke to them, they have given me the option of paying myself or going on with the claim, the other driver will probably claim, so I suppose I am going to get hammered at renewal either way
PJ S said:
Make sure any work on the other party's car is only started/paid for when you've 3 quotes at least for the cost.
When someone bumped the back of my car I was annoyed at the inconvenience of having to get one quote, never mind three! I just put it through my insurance. The woman who did it wanted her brother ('who works on cars') to sort it out - err..no thanks.
PJ S said:
If there was no injury mentioned at the time, and both parties exchanged details, then BiB's not interested.
Make sure any work on the other party's car is only started/paid for when you've 3 quotes at least for the cost.
Make sure any work on the other party's car is only started/paid for when you've 3 quotes at least for the cost.
Hi There
Sorry about your son's bump. Don't want to worry you unduly but in 2000 I had a little bump like this, slow speed no injuries, but a helpful lady OAP called the BiB................Don't worry said the Traffic Officer, nothing will come of this he said.
Ended with a £250 fine, and 6 points for DWDC&A, lying Tw@t.
Hamster
Hamster said:
PJ S said:
If there was no injury mentioned at the time, and both parties exchanged details, then BiB's not interested.
Make sure any work on the other party's car is only started/paid for when you've 3 quotes at least for the cost.
Make sure any work on the other party's car is only started/paid for when you've 3 quotes at least for the cost.
Hi There
Sorry about your son's bump. Don't want to worry you unduly but in 2000 I had a little bump like this, slow speed no injuries, but a helpful lady OAP called the BiB................Don't worry said the Traffic Officer, nothing will come of this he said.
Ended with a £250 fine, and 6 points for DWDC&A, lying Tw@t.
Hamster
Of course he would have every reason to lie to you, wouldn't he? Maybe he gave you his opinion and it turned out to be wrong.
Why not give us the chapter and verse and see what the panel thinks?
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