Someone parking hit my car, I see, they deny!
Discussion
So I parked up in our town to get a kebab!
Notice an old couple parallel parking behind my car, they look way too close for comfort for me so they finish, I walk up to check the back and notice a scrape on my back bumper! It wasn't there before that, I know my car very well!
I walk out and tell them they've hit my car as they try walking away, they deny and tell me I'm chatting s
t, I told them I just watched them do it, they tell me there sensors didn't go off, I take a look and see my paint on there number plate!
They still deny, my questions is it's my work against theirs, a woman from the local taxi rank further up the road gave me her details and told me she saw it happen too so I have a little back, I've taken plenty of pictures and send them off.
Question is, if I win the claim does my excess still have to be paid, and will I lose no claims as I wasn't even in the car? I'm 22 and to lose my NCB and have the extra charge for the excess would cripple me at the moment!
The scratch is small but not the point in my eyes, the damage was caused by them so should be fixed by them!
Notice an old couple parallel parking behind my car, they look way too close for comfort for me so they finish, I walk up to check the back and notice a scrape on my back bumper! It wasn't there before that, I know my car very well!
I walk out and tell them they've hit my car as they try walking away, they deny and tell me I'm chatting s
t, I told them I just watched them do it, they tell me there sensors didn't go off, I take a look and see my paint on there number plate!They still deny, my questions is it's my work against theirs, a woman from the local taxi rank further up the road gave me her details and told me she saw it happen too so I have a little back, I've taken plenty of pictures and send them off.
Question is, if I win the claim does my excess still have to be paid, and will I lose no claims as I wasn't even in the car? I'm 22 and to lose my NCB and have the extra charge for the excess would cripple me at the moment!
The scratch is small but not the point in my eyes, the damage was caused by them so should be fixed by them!
kiethton said:
For the sake of £30 to chipsaway (or similar) I would just chalk it up and pay it yourself.
Even with a no-fault claim your insurance will go up by a lot more than £30 next year....and you've got to declare this for the next 3/5 years too (and get loaded each time...)
Quote for a localised repair was £160.00 plus vat...Even with a no-fault claim your insurance will go up by a lot more than £30 next year....and you've got to declare this for the next 3/5 years too (and get loaded each time...)
Joeguard1990 said:
my advise would be to go here:
https://www.mib.org.uk/check-insurance-details/
You have their registration so find out who they are insured with.
Contact THEIR insurer directly, explain what happened, the fact you have an eye witness and that you have a quote for repair. I can guarantee they would rather sort it out direct rather than you contacting your own insurance.
Once it's all sorted job done. You can say no when asked on quotes if you have had a non-fault claim as it wasn't through your own insurance policy so it wouldn't come up in any searches. Although the PistonHeads Elite will be along shortly telling you in theory when asked you shouldn't "lie".
She contacted her insurance the morning after, they told me not to get my insurers involved and they will sort it out directly so I was sort of forced into having insurers involved whether it was the right thing to do or not.https://www.mib.org.uk/check-insurance-details/
You have their registration so find out who they are insured with.
Contact THEIR insurer directly, explain what happened, the fact you have an eye witness and that you have a quote for repair. I can guarantee they would rather sort it out direct rather than you contacting your own insurance.
Once it's all sorted job done. You can say no when asked on quotes if you have had a non-fault claim as it wasn't through your own insurance policy so it wouldn't come up in any searches. Although the PistonHeads Elite will be along shortly telling you in theory when asked you shouldn't "lie".
kiethton said:
That's ridiculous - proper bodyshop I assume - try a smart repairer - you'll be pleasantly surprised.
Even for £160 I'd do it myself - my own limit is ~£500.....
Had a BMW 335i at 21/22, was paying ~£850pa insurance.....2 non-fault's (somebody pulled out from a drive into the NS rear quarter and another rear ended when stopped), my insurance went to £2.5k on renewal and that was the cheapest offered - I had to sell the car but had to claim as each repair as '000's
For something that small get it done yourself, by all means try to get the person to pay but if <£100 I'm sure that they'll be far more likely to do so
Thank you, i'll take a look.Even for £160 I'd do it myself - my own limit is ~£500.....
Had a BMW 335i at 21/22, was paying ~£850pa insurance.....2 non-fault's (somebody pulled out from a drive into the NS rear quarter and another rear ended when stopped), my insurance went to £2.5k on renewal and that was the cheapest offered - I had to sell the car but had to claim as each repair as '000's
For something that small get it done yourself, by all means try to get the person to pay but if <£100 I'm sure that they'll be far more likely to do so
Europa1 said:
Chalk it up to experience, and use the time saved in not pursuing your claim to try and wean yourself off your heavy exclamation mark habit.
Apologies I just don't appreciate others damaging my property and walking away, I get angry when people are dishonest in general.How was that for you?
Mandat said:
If they did come into contact with your car, it looks like the number plate screw did the damage, as that small scrape wouldn't have been caused by their bumper.
You're right in principle to stick to your gusn about other causing damage to your property, however now that it has gone to a claim through insucance, you will need to declare the incident andthe claim as part of your own future renewals, which is likely to increase your premiums with some insurers, as your risk profile has changed. At a young age with small NCD, that might cost you quite a bit more in future insurance than the cost of the minor repair itself.
I see, so strange how you get screwed for being honest in the insurers eyes.You're right in principle to stick to your gusn about other causing damage to your property, however now that it has gone to a claim through insucance, you will need to declare the incident andthe claim as part of your own future renewals, which is likely to increase your premiums with some insurers, as your risk profile has changed. At a young age with small NCD, that might cost you quite a bit more in future insurance than the cost of the minor repair itself.
ambuletz said:
while its annoying to see someone has damaged the paintwork it seems such a minor scrape to even worry about. leave it on and if you really need to fix it when it comes time to sell or give it back. whoever you give it back to might not even notice/care about something that small. There are much worser things that could happen like knobheads that will key your car (especially as it's a BMW).
Thank you.Hoofy said:
Yep, I know how you feel. Don't tell them it's where you park regularly as that could imply it's likely to happen again.
I'll be sure not to! and I will avoid those spaces in future too just to prevent any more hassle. To others, I am well aware of how minor the damage is and how silly it may seem to some people to even be squabbling it, but things like that tend to get to me.
Mandat said:
You say that you frequently buy your kebabs at that shop, therefore it is safe to assume that you regularly park in those bays.
That being the case, you were already a higher risk (according to the insurance algorithims, since you park in places where there is a likelyhood of being hit) but your insurance company did not know about it yet. They will know about it now, which is why your future premiums might increase as a result of this claim.
At the same time the algorithms make no sense, the accident isn't the fault of the area or parking spot, it's the fault of the driver and driver only as plenty of people all day, everyday manage to get in and out just fine. I understand that's how it works and I'm not going to change that but it still doesn't stop me from thinking it's bullsThat being the case, you were already a higher risk (according to the insurance algorithims, since you park in places where there is a likelyhood of being hit) but your insurance company did not know about it yet. They will know about it now, which is why your future premiums might increase as a result of this claim.
t hahadme123 said:
If this bothers you THAT much you need to
A) Wrap your car up in nice soft cotton wool and keep it safely tucked away forever
B) Give up on cars and catch the bus.
It shouldn't happen, but it does happen, and getting stressed about it simply isn't worth it for the sums of money and actual life inconvenience involved. That scratch could have been caused at any time, and it is 100% inevitable that your car will acquire scratches like that if you use it. You're on a time consuming road to nowhere trying to get some sort of satisfaction from the people you believe caused this scratch.
Again, I do not "believe" they caused it, I know they caused it.A) Wrap your car up in nice soft cotton wool and keep it safely tucked away forever
B) Give up on cars and catch the bus.
It shouldn't happen, but it does happen, and getting stressed about it simply isn't worth it for the sums of money and actual life inconvenience involved. That scratch could have been caused at any time, and it is 100% inevitable that your car will acquire scratches like that if you use it. You're on a time consuming road to nowhere trying to get some sort of satisfaction from the people you believe caused this scratch.
I understand everyday use will cause small damage to your car such as stone chips, windscreen chips, small scratches from washing etc. but a scrape wouldn't occur from using a car for it's intended use.
Just because you may not care about your cars bodywork, I personally do, and after 4 years of driving I haven't hit a thing or given my cars a single scrape, the odd curbed wheel every now and again which is completely my own fault but no actual damage to the car itself, am I lucky... Most probably and do I want to go around hitting s
t with my car? Nah not for me.DJP said:
lewishollings said:
...To others, I am well aware of how minor the damage is and how silly it may seem to some people to even be squabbling it, but things like that tend to get to me.
Sad to say, it'll get to you a lot more when you're paying the increased premiums for the next 5 years.Still, you'll be morally correct so that'll be some comfort to your empty wallet.
SantaBarbara said:
I just love it when people take photographs of my close parking style
I'm not really too bother when cars park close to be honest, the picture was just to show the height more than anything, even if they'd have bumped me but no damage was caused I would have walked away in the same mood as I arrived.Mandat said:
It's true that statistics can be skewed to show all manner of things.
WIth regard to increased risk, it is now known that the OP regulary parks in this spot, and that this parking spot has been visited/might be visited again by a third party who causes damage when parking.
However infinitesimal the increase in risk, statistically it is significant enough to change the OP's risk profile in the eye's of the insurer. Apparently, not all insurers increase premiums by taking such non-fault claims into account.
Yeah I see what you're saying, I understand that the insurers need one way or another to work out insurance costs and prices and it can't change for each single person, for some people this may work out better and some worse so it's just about making a decision and going with it.WIth regard to increased risk, it is now known that the OP regulary parks in this spot, and that this parking spot has been visited/might be visited again by a third party who causes damage when parking.
However infinitesimal the increase in risk, statistically it is significant enough to change the OP's risk profile in the eye's of the insurer. Apparently, not all insurers increase premiums by taking such non-fault claims into account.
hornmeister said:
I fear that we're missing some vital information here.
No one in their right mind would eat a kebab sober.
Therefore. OP is either not in their right mind or driving drunk.
In all seriousness hope it gets sorted ASAP. People having a lack of respect for others property really annoys me.
Oh c'mon, nothing wrong with chicken and lettuce in a pita.No one in their right mind would eat a kebab sober.
Therefore. OP is either not in their right mind or driving drunk.
In all seriousness hope it gets sorted ASAP. People having a lack of respect for others property really annoys me.
I'm sure it will, been given good advise to bear in mind when anything happens in future so I've got that I suppose.
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