FabSwingers.com forum: Car insurance potential scam advise please

By *litterbabe OP Woman
25 weeks ago

hiding from cock pics.

My daughter accidentally reversed into a parked car and broke a headlight. She left details and the owner contacted her.

She agreed to pay for the headlight. The lady has now taken the car to her garage and provided a quote of over £6,000 including realigning doors and repainting the bonnet.

That just doesn't seem anyway in the world this could could be repair costs of the damage. It was a small tap, resulting in a shattered headlight.

How we can get to the bottom of it. Has anybody got any advice please?

It will of course have to go through the insurance, but she will lose her no claims and her insurance next year will be so expensive, and it already is really high.

She's very stressed.

If anybody has any help or advice that would be really welcomed.

Thanks x

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By *ris GrayMan
25 weeks ago

Dorchester

"My daughter accidentally reversed into a parked car and broke a headlight. She left details and the owner contacted her.

She agreed to pay for the headlight. The lady has now taken the car to her garage and provided a quote of over £6,000 including realigning doors and repainting the bonnet.

That just doesn't seem anyway in the world this could could be repair costs of the damage. It was a small tap, resulting in a shattered headlight.

How we can get to the bottom of it. Has anybody got any advice please?

It will of course have to go through the insurance, but she will lose her no claims and her insurance next year will be so expensive, and it already is really high.

She's very stressed.

If anybody has any help or advice that would be really welcomed.

Thanks x"
The insurance companies tell you never admit liability unfortunately your daughter has, the person whose car shes hit wants whatever they can get out of it, did your daughter take pics, were you there?

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By *lowupdollTV/TS
25 weeks ago

Herts

"My daughter accidentally reversed into a parked car and broke a headlight. She left details and the owner contacted her.

She agreed to pay for the headlight. The lady has now taken the car to her garage and provided a quote of over £6,000 including realigning doors and repainting the bonnet.

That just doesn't seem anyway in the world this could could be repair costs of the damage. It was a small tap, resulting in a shattered headlight.

How we can get to the bottom of it. Has anybody got any advice please?

It will of course have to go through the insurance, but she will lose her no claims and her insurance next year will be so expensive, and it already is really high.

She's very stressed.

If anybody has any help or advice that would be really welcomed.

Thanks x"

Ask to see the garage report on letter headed paper. Tell them you would like an independent RAC or AA inspection before agreeing to pay the repairs. Tye implication of being caught in a fraud won’t be lost on the garage.

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By *ussyslave34Man
25 weeks ago

Cheltenham

Agreed the golden rule is never accept responsibility but sincerely hope she took pictures for proof. Hope it gets sorted.

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By *igronnie89Man
25 weeks ago

near you

"My daughter accidentally reversed into a parked car and broke a headlight. She left details and the owner contacted her.

She agreed to pay for the headlight. The lady has now taken the car to her garage and provided a quote of over £6,000 including realigning doors and repainting the bonnet.

That just doesn't seem anyway in the world this could could be repair costs of the damage. It was a small tap, resulting in a shattered headlight.

How we can get to the bottom of it. Has anybody got any advice please?

It will of course have to go through the insurance, but she will lose her no claims and her insurance next year will be so expensive, and it already is really high.

She's very stressed.

If anybody has any help or advice that would be really welcomed.

Thanks x"

Thays horrendous amoint, dont pay it, was the footage of the incident? X

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By *ealitybitesMan
25 weeks ago

Belfast

20 years ago I was stopped at a junction behind a learner driver who accidentally put the car in reverse and drove into me.

There was no visible damage to either vehicle but a week later I got a solicitors letter demanding £5000 to replace the tailgate and back bumper.

Both the instructor and the driver were also claiming £10k each for personal injuries sustained.

I rang my solicitor and the first question he asked was the name of the solicitors who had sent the letter.

When I told him he advised filing the letter in that little cabinet in the kitchen that the lid pops up on when you stand in the pedal.

I never heard any more from them but I was concerned they would claim through the insurance company so I informed them and they said they would monitor it but nothing ever came of it.

The world is full of opportunists.

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By *litterbabe OP Woman
25 weeks ago

hiding from cock pics.

Thank you to people you have replied.

It's very hard to not accept responsibility if you have reversed into a parked car and smash the headlight.

I will see what we can do about getting an independent inspection, for example they are AC or the AA.

I personally wasn't there. We can check if there is any CCTV footage but I expect it will show my daughter reversing into an unattended parked car as that what is what happened.

It really is a total scam and very upsetting

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By *litterbabe OP Woman
25 weeks ago

hiding from cock pics.

"My daughter accidentally reversed into a parked car and broke a headlight. She left details and the owner contacted her.

She agreed to pay for the headlight. The lady has now taken the car to her garage and provided a quote of over £6,000 including realigning doors and repainting the bonnet.

That just doesn't seem anyway in the world this could could be repair costs of the damage. It was a small tap, resulting in a shattered headlight.

How we can get to the bottom of it. Has anybody got any advice please?

It will of course have to go through the insurance, but she will lose her no claims and her insurance next year will be so expensive, and it already is really high.

She's very stressed.

If anybody has any help or advice that would be really welcomed.

Thanks x

We do have the garage report on letterheaded paper.

It seems a good idea to look at getting an independent RAC or AAA check also.

As it is likely to be routed via the insurance, will they make sure that they're quotes are legitimate?

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By *litterbabe OP Woman
25 weeks ago

hiding from cock pics.

"My daughter accidentally reversed into a parked car and broke a headlight. She left details and the owner contacted her.

She agreed to pay for the headlight. The lady has now taken the car to her garage and provided a quote of over £6,000 including realigning doors and repainting the bonnet.

That just doesn't seem anyway in the world this could could be repair costs of the damage. It was a small tap, resulting in a shattered headlight.

How we can get to the bottom of it. Has anybody got any advice please?

It will of course have to go through the insurance, but she will lose her no claims and her insurance next year will be so expensive, and it already is really high.

She's very stressed.

If anybody has any help or advice that would be really welcomed.

Thanks x

Thays horrendous amoint, dont pay it, was the footage of the incident? X"

We haven't actually looked for footage at the moment, but it is likely to show my daughter and a little tap on the car behind.

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By *UGGYBEAR2015Man
25 weeks ago

BRIDPORT

Contact your insurance company and tell them the situation, they probably have a team that deal with potentially fraudulent claims

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By *litterbabe OP Woman
25 weeks ago

hiding from cock pics.

"Contact your insurance company and tell them the situation, they probably have a team that deal with potentially fraudulent claims "

Thank you, will do.

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By *ophieslutTV/TS
25 weeks ago

Central

Some guy pulled out of a side road and hit me. His Porsche was hardly scratched but my bonnet and side caused the door to not be openable. He wanted to get repairs done privately but the insurer wanted to do it, as they have corporate rates.

I'd let the insurance take control of it, as he's pushing for an unreasonable amount. It's different paying 1 or 2 hundred cash, compared to demands for thousands.

Evidence is power. So photos, videos and witnesses back you taking control of the situation.

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By *icecouple561Couple
Forum Mod
25 weeks ago

East Sussex

A similar thing happened to me, I made contact with another car as I was moving at a very slow speed into a parking space. I took photos, left a note and the car's owner claimed much more damage than I know I caused. I called my insurance company and explained the situation, they told me to leave it with them. I never heard another word.

I would say though that many people don't realise just how much damage a 'tap' can do.

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By *icecouple561Couple
Forum Mod
25 weeks ago

East Sussex

Also a woman reversed into our car on holiday once at a fairly low speed. She caused enough damage to write it off

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By *igronnie89Man
25 weeks ago

near you

"Thank you to people you have replied.

It's very hard to not accept responsibility if you have reversed into a parked car and smash the headlight.

I will see what we can do about getting an independent inspection, for example they are AC or the AA.

I personally wasn't there. We can check if there is any CCTV footage but I expect it will show my daughter reversing into an unattended parked car as that what is what happened.

It really is a total scam and very upsetting

You want just the main incident cause oncw youve got proof of only the damage to the light theyll laugh the rest off and probably go against her

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By (user no longer on site)
25 weeks ago

Sounds like a scam…such rotters!

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By *isfits behaving badlyCouple
25 weeks ago

Coventry

I had a wing and headlamp replaced and resprayed good as new at a local old boy's body shop £500 end of last year.

However a main body shop like the insurance companies use you're looking more like £2000+ for the same work. Although they will come collect the car, drop it back off and may throw in a tin of complementary mints for your money.

However that's for my old car. It all depends what car she hit? A lot of modern cars have eye watering costly parts. And some body shops will only fit main dealership parts and avoid cheaper alternatives. Plus they tend to favour replacing every body part damaged for brand new rather that repair the part/panels. For example a mate of mine had his wing mirror smashed by vandals on his new car. To save insurance he thought he'd just get it fixed. However because this wing mirror has sensors and all sorts of wizardry in it the part alone way £800. With labour and respray that's a horrendous cost just for a wing mirror so he had to claim on insurance. So depending on the vehicle and the damage this could be a realistic price from a large bodyshop like insurance uses.

No one wants claims on their insurance. It can be costly but it's not a kiss of death forever. Anything that's going to cost more than £1k your probably best to do it proper and take the excess and premiums on the chin.

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By *mileyculturebelfastMan
25 weeks ago

belfast

"My daughter accidentally reversed into a parked car and broke a headlight. She left details and the owner contacted her.

She agreed to pay for the headlight. The lady has now taken the car to her garage and provided a quote of over £6,000 including realigning doors and repainting the bonnet.

That just doesn't seem anyway in the world this could could be repair costs of the damage. It was a small tap, resulting in a shattered headlight.

How we can get to the bottom of it. Has anybody got any advice please?

It will of course have to go through the insurance, but she will lose her no claims and her insurance next year will be so expensive, and it already is really high.

She's very stressed.

If anybody has any help or advice that would be really welcomed.

Thanks x"

Did your daughter get photos at the scene?

How fast was she going when she hit the car?

Your daughter will play down the damage.

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By *mileyculturebelfastMan
25 weeks ago

belfast

"A similar thing happened to me, I made contact with another car as I was moving at a very slow speed into a parking space. I took photos, left a note and the car's owner claimed much more damage than I know I caused. I called my insurance company and explained the situation, they told me to leave it with them. I never heard another word.

I would say though that many people don't realise just how much damage a 'tap' can do. "

Your last sentence is totally true. Probably minimum of 500 for any repair.

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By *mileyculturebelfastMan
25 weeks ago

belfast

"Thank you to people you have replied.

It's very hard to not accept responsibility if you have reversed into a parked car and smash the headlight.

I will see what we can do about getting an independent inspection, for example they are AC or the AA.

I personally wasn't there. We can check if there is any CCTV footage but I expect it will show my daughter reversing into an unattended parked car as that what is what happened.

It really is a total scam and very upsetting

You want just the main incident cause oncw youve got proof of only the damage to the light theyll laugh the rest off and probably go against her"

You don't know what you're talking about.

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By *mileyculturebelfastMan
25 weeks ago

belfast

"Sounds like a scam…such rotters!

How does it?

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By *ornucopiaMan
25 weeks ago

Bexley

"Sounds like a scam…such rotters!

How does it? "

A try on is not the same as a scam.

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By *UGGYBEAR2015Man
25 weeks ago

BRIDPORT

"Also a woman reversed into our car on holiday once at a fairly low speed. She caused enough damage to write it off"

That’s the risk you take with those Reliant Robins, fibreglass is always gonna come second in a knock

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By *mileyculturebelfastMan
25 weeks ago

belfast

"Sounds like a scam…such rotters!

How does it?

A try on is not the same as a scam."

No one here knows what actually happened. Probably not even the OP.

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By *ornucopiaMan
25 weeks ago

Bexley

...

No one here knows what actually happened. Probably not even the OP. "

You are right there!

However this is a great opportunity for speculation.

My speculation has gone into overdrive by trying to work out how it can be possible to only damage a headlight. Do any cars actually have headlights which protrude further than the bodywork. Then I started wondering if the daughter's car has a rear mounted spare wheel or a bike rack or similar, capable of achieving this somewhat specialised feat.

It is a good story and one which I'm sure many of us can relate to!

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By *itygamesMan
25 weeks ago

my view on it is insurance companies arent silly , plus they liase with each other during a claims process.

both insurance companies will have independent or there own highly experienced accessors.

There will be no scamming or huge bills in my opinion.

were any mobile phone pictures taken by any chance ?

not that it really matters,

your daughters car like every car on the road has a black box , it records absolutely everything from when a brake light is applied, an indicator being used , speed of vehicle , etc etc etc , bit like a black box on a plane , records every single thing.

your daughters insurers will investigate this as the repair bill is astronomical and immediately prove the amount of damage caused to the 3rd party car wasnt caused by your daughters car.

in my opinion , nothing to worry or stress about..

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By (user no longer on site)
25 weeks ago

If you make your insurers aware then it will be registered as a claim regardless of wether they oay for it or not so seek your advise elsewhere first or they will penalise you anyway, just tell them youre happy to pay for it doing but at a garage of your choice not their (mates) whos more than likely handing them a brown envelope after

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By *ripfillMan
25 weeks ago

havant

"My daughter accidentally reversed into a parked car and broke a headlight. She left details and the owner contacted her.

She agreed to pay for the headlight. The lady has now taken the car to her garage and provided a quote of over £6,000 including realigning doors and repainting the bonnet.

That just doesn't seem anyway in the world this could could be repair costs of the damage. It was a small tap, resulting in a shattered headlight.

How we can get to the bottom of it. Has anybody got any advice please?

It will of course have to go through the insurance, but she will lose her no claims and her insurance next year will be so expensive, and it already is really high.

She's very stressed.

If anybody has any help or advice that would be really welcomed.

Thanks x"

Never admit liability … sadly

Always photos

Get the names address as much detail as possible

If anyone is injured it must be reported to the police

You want a quote NOT an estimate - a quote is legally binding

Letter headed ( reserch the company for providence )

If you think it’s miles out ask for three quotes

If your insurance company is up to it they should minimise your costs

If you go the cash route often better because premiums have in dome instances gone up 63%

( you can insure against losing your no claims but the premium will rocket after a claim )

It’s so sad to hear

Poor girl I hope she’s ok

What I would do now you know where this person lives …. Is to set her car on fire then she has alot more to consider ..

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By (user no longer on site)
25 weeks ago

"my view on it is insurance companies arent silly , plus they liase with each other during a claims process.

both insurance companies will have independent or there own highly experienced accessors.

There will be no scamming or huge bills in my opinion.

were any mobile phone pictures taken by any chance ?

not that it really matters,

your daughters insurers will investigate this as the repair bill is astronomical and immediately prove the amount of damage caused to the 3rd party car wasnt caused by your daughters car.

in my opinion , nothing to worry or stress about.."
theyre cars not boeing 747s they dont have black boxs that record such things unless its part of a insurnace policy for young drivers

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By *idnight RamblerMan
25 weeks ago

Pershore

I would reply stating with that extent of damage there must have been a separate incident, and therefore you are not liable.

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By *itygamesMan
25 weeks ago

"my view on it is insurance companies arent silly , plus they liase with each other during a claims process.

both insurance companies will have independent or there own highly experienced accessors.

There will be no scamming or huge bills in my opinion.

were any mobile phone pictures taken by any chance ?

not that it really matters,

your daughters insurers will investigate this as the repair bill is astronomical and immediately prove the amount of damage caused to the 3rd party car wasnt caused by your daughters car.

in my opinion , nothing to worry or stress about.. theyre cars not boeing 747s they dont have black boxs that record such things unless its part of a insurnace policy for young drivers "

oh yes they do....i guarantee that , how do you think they investigate serious accidents

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By *itygamesMan
25 weeks ago

theyre cars not boeing 747s they dont have black boxs that record such things unless its part of a insurnace policy for young drivers

Its called an event data recorder.......every car has one , trust me!

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By *ornucopiaMan
25 weeks ago

Bexley

"theyre cars not boeing 747s they dont have black boxs that record such things unless its part of a insurnace policy for young drivers

Its called an event data recorder.......every car has one , trust me!"

Well, I don't trust anyone who tells me that because it simply isn't true.

Neither of my vehicles have such a fitting and nor do many I can quickly call to mind belonging to friends or acquaintances.

Stating something assertively doesn't necessarily make it a fact. Trust me!

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