Girl cycled into car, admitted responsibility - What now?

[Tsippy]

My girlfriend was just driving out of the house and a chaps daughter cycled into the side of her car (basically she was going too fast and could not stop in time).

Her dad was with her and the kid admitted fault, but the dad is trying to say his insurance will not be required to payout. He said "Get an estimate for the repair and I'll see if I can pay it".

So is it true that his insurance will not be required to payout? His kid was cycling on the pavement (which I thought was illegal anyway...) and the damage to the car is scuffs down the front bumper, dent on the front wing and several scratches

The guy claims to be an insurance broker so I can see this been a fking nightmare She has only had the car a week and it *was* immaculate

[clarkmagpie]

Doesn't household insurance cover these sorts of things?
The girls parents household insurance I mean.

[kambites]

Why would he have any kind of insurance that would cover him for his daughter cycling into a car? He's still liable for repairing the damage.

[Tsippy]

I am just concerned that this will turn into a "what he said vs what she said" scenario, is there anything we can do to protect ourselves? The parent trying to avoid responsibility for his offspring is still outside

[russy01]

Well do what he said and get a quote. I had a p1ssed chav dent my car, took his details tracked down his parents and they paid for the £400

[Tsippy]

Brickwall: From the start, he was doing his best to avoid responsibility, I guess I am right in assuming we'll have to pay for the mistakes of his idiotic child?

[CPB31]

Tsippy said:

My girlfriend was just driving out of the house and a chaps daughter cycled into the side of her car (basically she was going too fast and could not stop in time).

If the girl was on the pavement or the road it sounds like it was her right of way...

[fido]

CPB31 said:

If the girl was on the pavement or the road it sounds like it was her right of way...

It's illegal to ride on the pavement ..

[Bowskill]

Correct me if I'm wrong but even if liability is admitted, unless she is insured then the only way you won't end up paying out for any damages is if they stay true to their word and pay up. I've had this issue recently with a pedestrian and it burnt a nice big hold in my pocket.

[CPB31]

fido said:

CPB31 said:

If the girl was on the pavement or the road it sounds like it was her right of way...

It's illegal to ride on the pavement ..

If you pull out in front of a car doing thirty five in a thirty that doesn't put you in the right.

[Jasandjules]

Bowskill said:

Correct me if I'm wrong but even if liability is admitted, unless she is insured then the only way you won't end up paying out for any damages is if they stay true to their word and pay up. I've had this issue recently with a pedestrian and it burnt a nice big hold in my pocket.

Short of suing the child (well, her parents) for negligence.... So yes, if the bloke is saying get a quote and he will sort it out, then get some quotes, it will be far, far easier for you in the long run...

[DrTre]

Bowskill said:

Correct me if I'm wrong but even if liability is admitted, unless she is insured then the only way you won't end up paying out for any damages is if they stay true to their word and pay up. I've had this issue recently with a pedestrian and it burnt a nice big hold in my pocket.

How fast was the pedestrian walking?!

[nottyash]

If he says he has no money you will probably claim through your insurance and try to recover the costs through your uninsured loss recovery if you have it.
Snag is you loose NCB and will have to pay excess.
Uninsured loss then trys to get them to pay up.
In my experience when a 13 year old lad hit the side of my car I lost my NCB, and paid an excess, uninsured loss recovery pissed around for 9 months then said they couldnt recover money from the lads parents as they were poor.
Just get a kid to do the same to his car and then dont pay;)

[Tsippy]

CPB31 said:

Tsippy said:

My girlfriend was just driving out of the house and a chaps daughter cycled into the side of her car (basically she was going too fast and could not stop in time).

If the girl was on the pavement or the road it sounds like it was her right of way...

Girlfriend was pulling out, girl was cycling at silly speed and although my partner came to a halt, the cycle hit the side of the car as she could not stop the cycle in time and lost control (so probably faulty brakes on the cycle too in addition to the lack of helment)

Again is it worth notifying the police in case her retard father tries to make out his little angel was injured by a "speeding car" ? ie get the facts to them before they receive a possible lie?

Just worry because the world seems full of scum who are out to get money for nothing and accept responsibility for nothing

[topless_mx5]

I would've got him to admit on the spot that it was his daughters fault, either by speaking into your phone camera or getting him to sign if you had pen/paper in your car. That way he has less come back if he later changes his story.

[Tsippy]

CPB31 said:

fido said:

CPB31 said:

If the girl was on the pavement or the road it sounds like it was her right of way...

It's illegal to ride on the pavement ..

If you pull out in front of a car doing thirty five in a thirty that doesn't put you in the right.

Oh cool, so if I ride my cycle down the pavement at silly speed and hit a car that has stopped (hopefully his), I can claim off them for whiplash etc?

[Bowskill]

DrTre said:

How fast was the pedestrian walking?!

Alot faster than he will ever be able to in the future. The copper reckoned I should buy a Landrover.

Tsippy said:

Oh cool, so if I ride my cycle down the pavement at silly speed and hit a car that has stopped (hopefully his), I can claim off them for whiplash etc?

Unfortunately.. yes.

Edited by Bowskill on Sunday 5th September 18:50

[Targarama]

fido said:

CPB31 said:

If the girl was on the pavement or the road it sounds like it was her right of way...

It's illegal to ride on the pavement ..

I thought kid wheel sized bikes were allowed? (i.e. not fullsize 26 inch type bikes).

Still, the girl was on the pavement and from what you describe the car driver pulled out into her path? I doubt the bike was exceeding 30mph, esp since you don't mention the girl being injured. So why should so 'pay out'? Sorry, this is my view from the information supplied.

[Tonberry]

Why has no one asked the childs age yet?

How old was the stupid slag?

AFAIA, under 16's are permitted to ride on the pavement. No one else.

[Dick_Phallus]

CPB31 said:

Tsippy said:

My girlfriend was just driving out of the house and a chaps daughter cycled into the side of her car (basically she was going too fast and could not stop in time).

If the girl was on the pavement or the road it sounds like it was her right of way...

Was just thinking this. Is there some sort of cycling BIB version of Vonhosen who could clear this matter up?