Insurance excess
Discussion
Went into the back of someone today (slowly), both got out, agreed there appeared to be no damage to their car, but gave my mobile number anyway.
Sure enough, I get the phone call saying the other half has had a look, and theres a scuff and I quote "A ridge has formed on the bumper." - assume that meant a dent.
Now at the scene, I took a side view photo of their rear bumper to show lack of dents in it, but no photo showing lack of scuff mark.
Obviously I would rather sort it without informing insurance company, but depending on whether the other half decides to play silly buggers (He's going to arrange a quote) ... and trys to say he wants a large amount, it may save me more doing it through insurance.
Question is, on a fully comp policy - does the excess only relate to claims I make, rather than in this case where (I guess?) the other party would be making the claim? Or if I did go through insurance, and didn't claim for my car, just the claim to other party, would I still be liable for the excess charge?
Just attempting to set a figure in my head on what I would class as too high to pay cash. Obviously at the end of the day, I did go into the back of them, so if there is damage, I am more than happy to get it sorted. But it just sounds as though he is going to try the old exaggerate the damage and keep abit for your troubles trick!
Also, any thoughts on my 'moral' standing here to request to see the damage again before I pay him cash, to make sure for myself? Appeared to be fine just after, but may have been abit of wishful thinking!
Sure enough, I get the phone call saying the other half has had a look, and theres a scuff and I quote "A ridge has formed on the bumper." - assume that meant a dent.
Now at the scene, I took a side view photo of their rear bumper to show lack of dents in it, but no photo showing lack of scuff mark.
Obviously I would rather sort it without informing insurance company, but depending on whether the other half decides to play silly buggers (He's going to arrange a quote) ... and trys to say he wants a large amount, it may save me more doing it through insurance.
Question is, on a fully comp policy - does the excess only relate to claims I make, rather than in this case where (I guess?) the other party would be making the claim? Or if I did go through insurance, and didn't claim for my car, just the claim to other party, would I still be liable for the excess charge?
Just attempting to set a figure in my head on what I would class as too high to pay cash. Obviously at the end of the day, I did go into the back of them, so if there is damage, I am more than happy to get it sorted. But it just sounds as though he is going to try the old exaggerate the damage and keep abit for your troubles trick!
Also, any thoughts on my 'moral' standing here to request to see the damage again before I pay him cash, to make sure for myself? Appeared to be fine just after, but may have been abit of wishful thinking!
cmackay81 said:
watch out, as soon as you admit you have done anything at all, they you are liable.
i'd suggest he takes it to the garage of your choice and you pay if anything. but if you do want to fix it for him, then make sure you get the quote not him,
I thought that, but then to get a quote, I need his car. Im gonna see what he comes back with, and if it is obviously taking the mick, I'll ask him to go to a bodyshop of my choice, and see what he says. If he starts being funny... hmm...i'd suggest he takes it to the garage of your choice and you pay if anything. but if you do want to fix it for him, then make sure you get the quote not him,
k 'em, there was no damage so don't give them anything.There is another way to play it.
Depending on what has happened so far, I would be wary of him coming back with huge bills for you, then a whiplash claim.
If you have only spoken to him over th phone then you are safe. make sure nothing is written down.
If you really think the car was absolutely fine, as it probably was, then you could deny you hit him at all. In this case he will have to pay his excess to claim from his insurance as likely it will go 50:50. This will probably put him off claiming.
I think legally (and i'm no expert) that as soon as you have accepted you have knocked into him, then you are liable for the full whack, respray, new bumper, whiplash, everything.
There is no in between territory, is all or nothing.
Depending on what has happened so far, I would be wary of him coming back with huge bills for you, then a whiplash claim.
If you have only spoken to him over th phone then you are safe. make sure nothing is written down.
If you really think the car was absolutely fine, as it probably was, then you could deny you hit him at all. In this case he will have to pay his excess to claim from his insurance as likely it will go 50:50. This will probably put him off claiming.
I think legally (and i'm no expert) that as soon as you have accepted you have knocked into him, then you are liable for the full whack, respray, new bumper, whiplash, everything.
There is no in between territory, is all or nothing.
my secretary pulled out on a roundabout and hit the car in front (who hadn't moved yet) at about 10mph. There was no damage to her car (a Ford Ka) and none to his.
we are now 2 years later and the personal injury claim is now going to court, the lady passenger in the car claims she had to be hospitalised and that the accident had impaired her ability to have children, the drivers also got a claim etc etc blah blah
if i was you mate, confirm that they are not going down the personal injury route. If they are, contact the ins co!
we are now 2 years later and the personal injury claim is now going to court, the lady passenger in the car claims she had to be hospitalised and that the accident had impaired her ability to have children, the drivers also got a claim etc etc blah blah
if i was you mate, confirm that they are not going down the personal injury route. If they are, contact the ins co!
amirzed said:
my secretary pulled out on a roundabout and hit the car in front (who hadn't moved yet) at about 10mph. There was no damage to her car (a Ford Ka) and none to his.
we are now 2 years later and the personal injury claim is now going to court, the lady passenger in the car claims she had to be hospitalised and that the accident had impaired her ability to have children, the drivers also got a claim etc etc blah blah
if i was you mate, confirm that they are not going down the personal injury route. If they are, contact the ins co!
or deny you hit her altogether?we are now 2 years later and the personal injury claim is now going to court, the lady passenger in the car claims she had to be hospitalised and that the accident had impaired her ability to have children, the drivers also got a claim etc etc blah blah
if i was you mate, confirm that they are not going down the personal injury route. If they are, contact the ins co!
I hate when people do this, but its better than having everything in the book thrown at you
OP, have an more details yet?
ludicrous speed said:
cmackay81 said:
or deny you hit her altogether?
Exactly.You both agreed there was no damage so you shouldn't have given your phone number and just driven off counting yourself lucky it wasn't worse.
Letting this go any further is not in your interest at all.
Has helped me out with many a whale :P
cmackay81 said:
ludicrous speed said:
cmackay81 said:
or deny you hit her altogether?
Exactly.You both agreed there was no damage so you shouldn't have given your phone number and just driven off counting yourself lucky it wasn't worse.
Letting this go any further is not in your interest at all.
Has helped me out with many a whale :P
dave
aka_kerrly said:
cmackay81 said:
ludicrous speed said:
cmackay81 said:
or deny you hit her altogether?
Exactly.You both agreed there was no damage so you shouldn't have given your phone number and just driven off counting yourself lucky it wasn't worse.
Letting this go any further is not in your interest at all.
Has helped me out with many a whale :P
dave
happened to me once at Uni in my final year. but not quite like that. Gave her the number at the end of the night, she types it in, but it came up as Her fake number :P
I didn't say anything, just walked away...
cmackay81 said:
OP, have an more details yet?
Well he has just phoned me saying the quote was £120 for the bumper.I'm sure theres an element of adding on abit for himself, but to be honest, £120 is cheaper than the excess on my insurance, and plus the added cost of higher premiums for the next few years. Like I say, I did go into the back of them, so if there is some damage we didnt spot initially, I'm more than happy to sort it.
I was thinking about the personal injury claim thing today, but the thing is, all the woman took down was my phone number, she didnt take my Reg or my full name or address or owt. There were no witnesses either.
The only info she has is my first name and my mobile number.
So if I just don't answer the phone to them in the future = no personal injury claim?
Or I can just deny all knowledge of any accident in the future, as long as I pay them in cash, so there's no record of me paying them.
(And yes I'm aware I could just not answer the phone to them now, and not have to pay £120, but like I said, if there is some damage, I'd rather see it put right.)
Suggest you pay the garage after work completed and after you have seen the estimate and get the third party to sign a disclaimer. May not stand up in court but if honourable type of people no problems.
Maybe cover your own back report to insurers for info only and tell them you have settled privately and don't want them to act upon it they will be happy as not outlaying any costs.
Maybe cover your own back report to insurers for info only and tell them you have settled privately and don't want them to act upon it they will be happy as not outlaying any costs.
cmackay81 said:
haha, omg how did you know?
happened to me once at Uni in my final year. but not quite like that. Gave her the number at the end of the night, she types it in, but it came up as Her fake number :P
I didn't say anything, just walked away...
A cocky sod could probably have bluffed their way out of that, something along the lines of that explains all the ugly men who contact me.happened to me once at Uni in my final year. but not quite like that. Gave her the number at the end of the night, she types it in, but it came up as Her fake number :P
I didn't say anything, just walked away...
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