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"Maybe he's not insured? I'd put it in hands of your insurance he's to blame.." There’s a way to check whether they are insured isn’t there? An online site that can check who the insurer is? | |||
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"Go through the insurance. He clearly is only willing to pay a certain amount anx will hassle you about getting it done cheaper. Give him one last chance to agree to the price or say you're going through the insurance as its inconveniencing you not having a car in that time as well. Unless he is going to pay for car hire too for two days. " Do you know if there’s a time window to when I need to notify the insurance? I’m going to have the written quote on Friday for the work. | |||
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"Easy. Do not call your insurance company. 1st call his and clain via his insurance. Once reported they have to accept the claim. Then call yours and do an info only incident report. You say the third party are dealing. That way your insurance is not affected. " Hmmm…. I have his reg number and phone number but I don’t have his insurance company details. Is this a problem? | |||
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"The cctv won't be gven to you anyway, even if it exists. Go through your insurance." It’s a small corner shop and they said they would give me the footage tomorrow morning. | |||
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"Easy. Do not call your insurance company. 1st call his and clain via his insurance. Once reported they have to accept the claim. Then call yours and do a info only incident report. You say the third party are dealing. That way your insurance is not affected. " It doesn’t work like that & you are in breach of your policy if you do that £550 sounds a lot , does it need to respray ? I would either A/ Take 300 off him and touch it up myself with a color pen from Halfords B/ go through insurance and get it done properly, It’s not a claim on your policy so won’t affect NCB | |||
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"The cctv won't be gven to you anyway, even if it exists. Go through your insurance. It’s a small corner shop and they said they would give me the footage tomorrow morning." You don’t need it . And if he finds out you have it it could make things very complicated | |||
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"Easy. Do not call your insurance company. 1st call his and clain via his insurance. Once reported they have to accept the claim. Then call yours and do a info only incident report. You say the third party are dealing. That way your insurance is not affected. It doesn’t work like that & you are in breach of your policy if you do that £550 sounds a lot , does it need to respray ? I would either A/ Take 300 off him and touch it up myself with a color pen from Halfords B/ go through insurance and get it done properly, It’s not a claim on your policy so won’t affect NCB" it will do as it states when ypu get a quote (accident in the last 5 years you're fault or not) | |||
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"Easy. Do not call your insurance company. 1st call his and clain via his insurance. Once reported they have to accept the claim. Then call yours and do a info only incident report. You say the third party are dealing. That way your insurance is not affected. Yeah £550 plus vat for a respray. That price doesn’t surprise me. Sounds a lot but I guess it’s not considering it’s a respray. It doesn’t work like that & you are in breach of your policy if you do that £550 sounds a lot , does it need to respray ? I would either A/ Take 300 off him and touch it up myself with a color pen from Halfords B/ go through insurance and get it done properly, It’s not a claim on your policy so won’t affect NCB" | |||
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"My 19 year old son pays £6k a year insurance. Kids are being screwed over and that’s the reason he would rather not go through his insurance. Paint and commodity prices have gone through the roof but £550 to paint half a bumper? Look for a smart repair company. You will pay £250-350 depending on paint type, colour, effect. A smart repairer will do it at you convenience " Yeah that’s why I felt sorry for him. He said he lives locally and was very apologetic. I don’t think a smart repair will work tbh. The paint shop advised that it needs a respect. I know they want business but I trust their judgement as they are plenty busy with trade. | |||
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"I'd go through the insurance and hopefully, he is covered. It's not your fault if they end up paying a premium due to an accident, either. This is how people learn in the future to take more care driving and to be aware of what's around them properly. His insurance company may cover the cost of a courtesy car for you if his at fault and admitted it and proven via cctv. " but it will also affect the OP as insurers see you as more risk even if not your fault you are a statistic unfortunatly | |||
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"I'd go through the insurance and hopefully, he is covered. It's not your fault if they end up paying a premium due to an accident, either. This is how people learn in the future to take more care driving and to be aware of what's around them properly. His insurance company may cover the cost of a courtesy car for you if his at fault and admitted it and proven via cctv. but it will also affect the OP as insurers see you as more risk even if not your fault you are a statistic unfortunatly " Yeah it will out mine up a bit, I agree. I guess that a slight premium increase is just something I’ll need to grin and bear. I totally agree that mine shouldn’t go up but I know that it will. The only way to avoid someone driving into you is clearly to never let your car out of your house garage. Bonkers isn’t it. | |||
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"The problem with insurance, which quite frankly is another one of their scams, is even if you weren't at fault, they'll still increase your premiums. I do agree insurance is needed, but it should be regulated and I think they're taking the piss. The fact every renewal is more expensive than the last one and if you ring them it might get cheaper if you're lucky, is fucking disgusting " Yeah it will put mine up a bit, I agree. I guess that a slight premium increase is just something I’ll need to grin and bear. I totally agree that mine shouldn’t go up but I know that it will. The only way to avoid someone driving into you is clearly to never let your car out of your house garage. Bonkers isn’t it. | |||
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"Just go through the insurance. That’s why you have it " Yeah, I’m tending to agree. I thought I’d give him a chance but I might just ignore his calls and message now and just put it into the hands of the insurance company. | |||
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"I'd go through the insurance and hopefully, he is covered. It's not your fault if they end up paying a premium due to an accident, either. This is how people learn in the future to take more care driving and to be aware of what's around them properly. His insurance company may cover the cost of a courtesy car for you if his at fault and admitted it and proven via cctv. but it will also affect the OP as insurers see you as more risk even if not your fault you are a statistic unfortunatly Yeah it will out mine up a bit, I agree. I guess that a slight premium increase is just something I’ll need to grin and bear. I totally agree that mine shouldn’t go up but I know that it will. The only way to avoid someone driving into you is clearly to never let your car out of your house garage. Bonkers isn’t it." I think it will put your insurance premium up for the next 5 years if you declare it to them even if it’s not your fault, it happened to us, totally bonkers. | |||
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"Just go through the insurance. That’s why you have it Yeah, I’m tending to agree. I thought I’d give him a chance but I might just ignore his calls and message now and just put it into the hands of the insurance company." I would block his number and tell your insurers he has been hassling you. It’s happened to me in the past til I got shitty with them and told them never to contact me again. | |||
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"I'd go through the insurance and hopefully, he is covered. It's not your fault if they end up paying a premium due to an accident, either. This is how people learn in the future to take more care driving and to be aware of what's around them properly. His insurance company may cover the cost of a courtesy car for you if his at fault and admitted it and proven via cctv. but it will also affect the OP as insurers see you as more risk even if not your fault you are a statistic unfortunatly Yeah it will out mine up a bit, I agree. I guess that a slight premium increase is just something I’ll need to grin and bear. I totally agree that mine shouldn’t go up but I know that it will. The only way to avoid someone driving into you is clearly to never let your car out of your house garage. Bonkers isn’t it. I think it will put your insurance premium up for the next 5 years if you declare it to them even if it’s not your fault, it happened to us, totally bonkers. " Yeah it’s totally crap isn’t it. How can you stop/prevent a car driving into you? Crazy hey. | |||
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"How frustrating, hope you get it sorted. Don't take his shit and sometimes as nice as you try to be it's bloody hard when people act like dicks Similar happened to me, my car was parked up at work and someone tried to park next to it, dented the wing and drove off.....I saw the damage and asked work to look at the CCTV footage, turns out it was a Student of the College I work for, he smacked it then parked up elsewhere....Unlucky for him they tracked him down and frogmarched him over to me to sort it, I didn't go through insurance either because of him being a student and only having had his licence a year. Luckily he didn't argue about paying up. Mine is going for repair on Monday " Oh blimey, not what you need. Sorry to hear that! | |||
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"Shitty situation for both parties. I’m not digging out a source but drivers who have been involved in a non fault accident are statistically more likely to be involved in another. As insurance is based on statistics it is probable that the non fault party in this example will receive an increase in premiums." Yeah it’s a pain in the bum. The only way to statistically stay low is not to leave your home. I do hate that I have to mention it for 5 years of renewals, I don’t think it’s fair but that’s life for you hey. | |||
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"The problem with insurance, which quite frankly is another one of their scams, is even if you weren't at fault, they'll still increase your premiums. I do agree insurance is needed, but it should be regulated and I think they're taking the piss. The fact every renewal is more expensive than the last one and if you ring them it might get cheaper if you're lucky, is fucking disgusting Yeah it will put mine up a bit, I agree. I guess that a slight premium increase is just something I’ll need to grin and bear. I totally agree that mine shouldn’t go up but I know that it will. The only way to avoid someone driving into you is clearly to never let your car out of your house garage. Bonkers isn’t it." My car was hit not long ago which was not my fault. Didn't look like much damage either. Ended up being sent away for 3 weeks and the bill was £1800! Nothing has happened to my car insurance premiums as I was not at fault and that's clearly documented and my renewal came through end of last month and its not caused me any massive premiums at all. You pay insurance for a reason, you need to be contacting them. That 2nd party already doesn't like the quotes given to them, how do you know they won't phone their insurance company and report you for hitting them. Cctv may have been promised to you by the shop owner, but it doesn't mean they'll give it to you and not delete it if they think it will cause them any issues going forward. | |||
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"Shitty situation for both parties. I’m not digging out a source but drivers who have been involved in a non fault accident are statistically more likely to be involved in another. As insurance is based on statistics it is probable that the non fault party in this example will receive an increase in premiums. Yeah it’s a pain in the bum. The only way to statistically stay low is not to leave your home. I do hate that I have to mention it for 5 years of renewals, I don’t think it’s fair but that’s life for you hey." The question on the insurance quotes online is "Have you had any accidents in the last 5 years that you were responsible for"? Your answer is no because you didn't cause it. | |||
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 I’m sure you’ve got better things to do then chasing around for quotes. | |||
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"Shitty situation for both parties. I’m not digging out a source but drivers who have been involved in a non fault accident are statistically more likely to be involved in another. As insurance is based on statistics it is probable that the non fault party in this example will receive an increase in premiums. Yeah it’s a pain in the bum. The only way to statistically stay low is not to leave your home. I do hate that I have to mention it for 5 years of renewals, I don’t think it’s fair but that’s life for you hey. The question on the insurance quotes online is "Have you had any accidents in the last 5 years that you were responsible for"? Your answer is no because you didn't cause it. " it isnt it states your fault or not, also like when they ask about points or convictions in the past 5 even after thwyre off your licence, just all used to up your premium | |||
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