Insurance/Accident Question

[Superbad]

Quick Question

Some hit my car and as the damage was minor would like to pay for it outside insurance.

The thing is that they are not willing to pay me and will only pay the repairer directly. My car is only worth around £1000 so I was thinking about keeping the mone(£100)rather than getting the car fixed.

Are they allowed to sat they'll only pay the repairer? i went to the cheapest place possible to get a quote.

[Thorburn]

If you are doing it outside the insurance I'd imagine they can do whatever they like.

Your insurance company certainly wouldn't pay you for the damages if you weren't having the repair done.

Edited by Thorburn on Monday 22 November 10:52

[james_tigerwoods]

Superbad said:

Quick Question

Some hit my car and as the damage was minor would like to pay for it outside insurance.

The thing is that they are not willing to pay me and will only pay the repairer directly. My car is only worth around £1000 so I was thinking about keeping the mone(£100)rather than getting the car fixed.

Are they allowed to sat they'll only pay the repairer? i went to the cheapest place possible to get a quote.

If you're going outside the insurer, I think they can say whatever they like - I think you're taking the piss about to ask for the money though (IMHO)

[ZOLLAR]

Superbad said:

Quick Question

Some hit my car and as the damage was minor would like to pay for it outside insurance.

The thing is that they are not willing to pay me and will only pay the repairer directly. My car is only worth around £1000 so I was thinking about keeping the mone(£100)rather than getting the car fixed.

Are they allowed to sat they'll only pay the repairer? i went to the cheapest place possible to get a quote.

I can see what your saying but I'd imagine the other people are worried you would take the money then get insurance company involved and deny all knowledge of them giving you money thats why they probably want to pay the repairer.

HTH

[Superbad]

james_tigerwoods said:

Superbad said:

Quick Question

Some hit my car and as the damage was minor would like to pay for it outside insurance.

The thing is that they are not willing to pay me and will only pay the repairer directly. My car is only worth around £1000 so I was thinking about keeping the mone(£100)rather than getting the car fixed.

Are they allowed to sat they'll only pay the repairer? i went to the cheapest place possible to get a quote.

If you're going outside the insurer, I think they can say whatever they like - I think you're taking the piss about to ask for the money though (IMHO)

They've damaged my car. The light has a crack in it. Do they not have to pay for the damage regardless of whether or not I get it repaired?

[Petrolhead_Rich]

Superbad said:

james_tigerwoods said:

Superbad said:

Quick Question

Some hit my car and as the damage was minor would like to pay for it outside insurance.

The thing is that they are not willing to pay me and will only pay the repairer directly. My car is only worth around £1000 so I was thinking about keeping the mone(£100)rather than getting the car fixed.

Are they allowed to sat they'll only pay the repairer? i went to the cheapest place possible to get a quote.

If you're going outside the insurer, I think they can say whatever they like - I think you're taking the piss about to ask for the money though (IMHO)

They've damaged my car. The light has a crack in it. Do they not have to pay for the damage regardless of whether or not I get it repaired?

Could get an "Invoice" that states you have paid for the repair, then ask for reimbursement!

Say if they don't pay you will contact their insurer and tell them everything.

Payment would be reasonably prompt

[Superbad]

Petrolhead_Rich said:

Superbad said:

james_tigerwoods said:

Superbad said:

Quick Question

Some hit my car and as the damage was minor would like to pay for it outside insurance.

The thing is that they are not willing to pay me and will only pay the repairer directly. My car is only worth around £1000 so I was thinking about keeping the mone(£100)rather than getting the car fixed.

Are they allowed to sat they'll only pay the repairer? i went to the cheapest place possible to get a quote.

If you're going outside the insurer, I think they can say whatever they like - I think you're taking the piss about to ask for the money though (IMHO)

They've damaged my car. The light has a crack in it. Do they not have to pay for the damage regardless of whether or not I get it repaired?

Could get an "Invoice" that states you have paid for the repair, then ask for reimbursement!

Say if they don't pay you will contact their insurer and tell them everything.

Payment would be reasonably prompt

They already contacted the repairer and said they'll pay him directly. Going through insurance, is that up to me or them?

They messed me about for a month, telling me to do this and that. I didn't even do anything wrong

[McSam]

Superbad said:

james_tigerwoods said:

Superbad said:

Quick Question

Some hit my car and as the damage was minor would like to pay for it outside insurance.

The thing is that they are not willing to pay me and will only pay the repairer directly. My car is only worth around £1000 so I was thinking about keeping the mone(£100)rather than getting the car fixed.

Are they allowed to sat they'll only pay the repairer? i went to the cheapest place possible to get a quote.

If you're going outside the insurer, I think they can say whatever they like - I think you're taking the piss about to ask for the money though (IMHO)

They've damaged my car. The light has a crack in it. Do they not have to pay for the damage regardless of whether or not I get it repaired?

Nope. The established procedure is that you must both tell your respective insurers. If you don't, there aren't really any rules that apply apart from common courtesy, he can do/say whatever he likes and you don't have a legal leg to stand on, because you should be doing it through insurance.

Not saying I'd do anything differently, just that that's why there's not a lot you can do!

[TommyBuoy]

Superbad said:

james_tigerwoods said:

Superbad said:

Quick Question

Some hit my car and as the damage was minor would like to pay for it outside insurance.

The thing is that they are not willing to pay me and will only pay the repairer directly. My car is only worth around £1000 so I was thinking about keeping the mone(£100)rather than getting the car fixed.

Are they allowed to sat they'll only pay the repairer? i went to the cheapest place possible to get a quote.

If you're going outside the insurer, I think they can say whatever they like - I think you're taking the piss about to ask for the money though (IMHO)

They've damaged my car. The light has a crack in it. Do they not have to pay for the damage regardless of whether or not I get it repaired?

I am in exactly the same situation - a graze to my bumper and a little damage to the light surround.

I have got two quotes and sent them to the company who own the van - they have agreed to pay for the damage (awaiting confirmation in writing) so I imagine they will want ot be invoiced for the work directly.

In another case, about 5 years ago I knocked into a parked car, left a note and the owner got in touch. I ended up sending a cheque for the amount. Two weeks later I got 2/3 of it back as they got it done somewhere cheaper. Whether they kept the cash or not, I paid for the damage.

Someone who has damaged you car does not need to pay you outside of insurance - if they think you are looking to just cash in they will go through insurance.

[Superbad]

TommyBuoy said:

Superbad said:

james_tigerwoods said:

Superbad said:

Quick Question

Some hit my car and as the damage was minor would like to pay for it outside insurance.

The thing is that they are not willing to pay me and will only pay the repairer directly. My car is only worth around £1000 so I was thinking about keeping the mone(£100)rather than getting the car fixed.

Are they allowed to sat they'll only pay the repairer? i went to the cheapest place possible to get a quote.

If you're going outside the insurer, I think they can say whatever they like - I think you're taking the piss about to ask for the money though (IMHO)

They've damaged my car. The light has a crack in it. Do they not have to pay for the damage regardless of whether or not I get it repaired?

I am in exactly the same situation - a graze to my bumper and a little damage to the light surround.

I have got two quotes and sent them to the company who own the van - they have agreed to pay for the damage (awaiting confirmation in writing) so I imagine they will want ot be invoiced for the work directly.

In another case, about 5 years ago I knocked into a parked car, left a note and the owner got in touch. I ended up sending a cheque for the amount. Two weeks later I got 2/3 of it back as they got it done somewhere cheaper. Whether they kept the cash or not, I paid for the damage.

Someone who has damaged you car does not need to pay you outside of insurance - if they think you are looking to just cash in they will go through insurance.

They've said they don't want to go through insurance but at the same time am not willing to pay me around £100.

Thinking I should tell them I want to go through insurance, and get just get my car repaired, the reason I haven't done yet as yet was to save them making a claim, but they are messing me about

Edited by Superbad on Monday 22 November 11:32

[plg]

If they are willing to pay the repairer directly - effectively putting you back in the position you were in pre-incident (which is all you would get from the insurer) and the repair place is ok, why not do that?

If you want a £100 compensation in lieu of a repair, then it's a bit harder.

Either:
a) allow them to pay for the repair directly, but ensure the invoice clearly states you as the owner / etc of the car
b) contact your insurers

[Somnophore]

Just ask them to give you the cash otherwise you will be reporting it to their insurers and be claiming for a replacemet vehicle whilst yours is repaired ans insisting it is repaired at a franchised dealer. If you do go through their insurer you will find they may well pay you a cash in lieu payment, as this will be cheaper than having to pay engineers fees or for a hire car.

[plg]

Somnophore said:

Just ask them to give you the cash otherwise you will be reporting it to their insurers and be claiming for a replacemet vehicle whilst yours is repaired ans insisting it is repaired at a franchised dealer. If you do go through their insurer you will find they may well pay you a cash in lieu payment, as this will be cheaper than having to pay engineers fees or for a hire car.

You can't insist you car is repaired at a franchised dealer and you'd sound a bit silly if you did say it... Insurers with most policies are only obliged to repair through one of their approved repair/bodyshop centres.

Worth try on the rest though.

[Superbad]

Somnophore said:

Just ask them to give you the cash otherwise you will be reporting it to their insurers and be claiming for a replacemet vehicle whilst yours is repaired ans insisting it is repaired at a franchised dealer. If you do go through their insurer you will find they may well pay you a cash in lieu payment, as this will be cheaper than having to pay engineers fees or for a hire car.

Thanks. I think I will just do that. I was trying to do them a favour, thought they'd pay me becuase the quote wasn't too much more than their excess. Thought it would all sorted asap.

[WOO5IE]

Just be aware that it could effect your insurance as well as you have had an incident.

They may want to pay the repairer direct so that they get an invoice that they can put through
their business.

I dont see what the difference is to you as you will get the same result even if you go through the insurance with the risk of it affecting your premium.

You could always try offering to go to a breakers etc and ask for a little less in cash and you can then pocket it if you want.

[Superbad]

WOO5IE said:

Just be aware that it could effect your insurance as well as you have had an incident.

They may want to pay the repairer direct so that they get an invoice that they can put through
their business.

I dont see what the difference is to you as you will get the same result even if you go through the insurance with the risk of it affecting your premium.

You could always try offering to go to a breakers etc and ask for a little less in cash and you can then pocket it if you want.

I don't think I'll get a replacement car, which I need to get to work, even if it is for a day. The place fixing the car won't give me one

[TommyBuoy]

Superbad said:

TommyBuoy said:

Superbad said:

james_tigerwoods said:

Superbad said:

Quick Question

Some hit my car and as the damage was minor would like to pay for it outside insurance.

The thing is that they are not willing to pay me and will only pay the repairer directly. My car is only worth around £1000 so I was thinking about keeping the mone(£100)rather than getting the car fixed.

Are they allowed to sat they'll only pay the repairer? i went to the cheapest place possible to get a quote.

If you're going outside the insurer, I think they can say whatever they like - I think you're taking the piss about to ask for the money though (IMHO)

They've damaged my car. The light has a crack in it. Do they not have to pay for the damage regardless of whether or not I get it repaired?

I am in exactly the same situation - a graze to my bumper and a little damage to the light surround.

I have got two quotes and sent them to the company who own the van - they have agreed to pay for the damage (awaiting confirmation in writing) so I imagine they will want ot be invoiced for the work directly.

In another case, about 5 years ago I knocked into a parked car, left a note and the owner got in touch. I ended up sending a cheque for the amount. Two weeks later I got 2/3 of it back as they got it done somewhere cheaper. Whether they kept the cash or not, I paid for the damage.

Someone who has damaged you car does not need to pay you outside of insurance - if they think you are looking to just cash in they will go through insurance.

They've said they don't want to go through insurance but at the same time am not willing to pay me around £100.

Thinking I should tell them I want to go through insurance, and get just get my car repaired, the reason I haven't done yet as yet was to save them making a claim, but they are messing me about

Edited by Superbad on Monday 22 November 11:32

Just tell them you would prefer to go through insurance if an agreement cannot be made - it'll either force their hand into paying for the damage, or you will have to go through insurance. You can't make someone pay for the damage outside of a claim as far as I am aware.

ETA: Forgot to say, it does sound like they are wanting an invoice for a reason - either to put against a business, or because they don't want to just hand over cash and not have you repair the damage. They may be worried you would take the cash and then make a claim on the insurance.

Like I said above - come to an agreement you are happy with, or bite the bullet and log it as a claim.

Edited by TommyBuoy on Monday 22 November 11:59

[Superbad]

I think that's what I'll have to do.

Thanks fo all your help guys.

[bobsan]

is the OP insured in the first place ?? maybe they're reluctant to hand over cash to someone they feel isn't insured.

[Superbad]

Yes, all parties insured, no issues there.

Edited by Superbad on Monday 22 November 12:14