Damaged car in carpark

TomorrowToday · 09/07/2023 15:35

Stayathomedogmummy · 09/07/2023 14:36

Absolutely they are in their rights to go through insurance

I had someone run into the back of me and it looked like fairly minimal damage but the garage had my car for 4 working days - and I required a courtesy car for that entire period

She too also offered to pay for it to be done herself and then when I refused on the roadside, she then tried to claim she hadn’t actually hit my car at all

I wouldn’t trust anyone to actually follow through with a ‘promise’

And if it's not your fault you claim the excess from the other person

Stayathomedogmummy · 09/07/2023 14:36

Absolutely they are in their rights to go through insurance

I had someone run into the back of me and it looked like fairly minimal damage but the garage had my car for 4 working days - and I required a courtesy car for that entire period

She too also offered to pay for it to be done herself and then when I refused on the roadside, she then tried to claim she hadn’t actually hit my car at all

I wouldn’t trust anyone to actually follow through with a ‘promise’

cocoloco117 · 09/07/2023 14:36

KateReddy · 09/07/2023 14:28

What a cuntish thing to say.

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Don’t hate the player, hate the game.

cinnamonfrenchtoast · 09/07/2023 14:30

cocoloco117 · 09/07/2023 14:24

I hope you got a second opinion on your write off. Cost of minor repairs are ridiculously overinflated by insurers and decisions write offs are based on are equally opaque. Who pays for all this? Customers. It’s a racket. Quite frankly I’m happier to drive round with a dent than to deal with the insurance companies’ bullshit.

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I didn't need a second opinion, thanks.

KateReddy · 09/07/2023 14:28

cocoloco117 · 09/07/2023 14:10

Were there witnesses? Next time don’t leave your number.

What a cuntish thing to say.

cocoloco117 · 09/07/2023 14:24

cinnamonfrenchtoast · 09/07/2023 14:17

Depends whether the other car is owned outright or leased, or part of a company fleet.

Also, you don't know how much damage has been done until it's been checked by a garage. I once got hit and was told my car would be repaired, only to get a phone call the next day telling me it was a write-off.

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I hope you got a second opinion on your write off. Cost of minor repairs are ridiculously overinflated by insurers and decisions write offs are based on are equally opaque. Who pays for all this? Customers. It’s a racket. Quite frankly I’m happier to drive round with a dent than to deal with the insurance companies’ bullshit.

Zippedydodah · 09/07/2023 14:20

cocoloco117 · 09/07/2023 14:10

Were there witnesses? Next time don’t leave your number.

Like the fucking idiot who did over £2k worth of damage to my three day old car?
🤬

Summerish · 09/07/2023 14:18

Our car got hit by a visitor on Christmas Eve , first of all she said she would pay it , it didn’t look that bad , it was a 50k car and damage was £3k , she then said ohh claim through my insurance , she then told her insurance we made it up .alas for her video and next door neighbour who saw it soon stopped that . Goodness knows what her insurance company thought on the end .

cinnamonfrenchtoast · 09/07/2023 14:17

cocoloco117 · 09/07/2023 14:15

For minor cosmetic damage it’s cheaper in the long run for both parties. Wouldn’t be happy but it has happened loads of times. Worse things happen at sea.

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Depends whether the other car is owned outright or leased, or part of a company fleet.

Also, you don't know how much damage has been done until it's been checked by a garage. I once got hit and was told my car would be repaired, only to get a phone call the next day telling me it was a write-off.

greenacrylicpaint · 09/07/2023 14:15

if the other car is on finance then the repair needs to be impeccable (=expensive) or the financial penalty can be great.

cocoloco117 · 09/07/2023 14:15

ItsNotWhatItsNot · 09/07/2023 14:12

That’s a crime, why would you recommend OP commits further offences in future? Would you be happy for someone to do a hit and run on your vehicle? 🥴

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For minor cosmetic damage it’s cheaper in the long run for both parties. Wouldn’t be happy but it has happened loads of times. Worse things happen at sea.

SophiaElizabethGrace · 09/07/2023 14:13

cornersleeper · 09/07/2023 14:05

That very kind of you to point that out. I had done all of this, I had just believed I had told them my new address because I had done the house insurance. Total mistake on my part and I am hugely lucky it wasn't a major accident I was involved in.

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No problem. I'm sorry I can't offer any advice on the actual problem.

ItsNotWhatItsNot · 09/07/2023 14:12

cocoloco117 · 09/07/2023 14:10

Were there witnesses? Next time don’t leave your number.

That’s a crime, why would you recommend OP commits further offences in future? Would you be happy for someone to do a hit and run on your vehicle? 🥴

cocoloco117 · 09/07/2023 14:10

Were there witnesses? Next time don’t leave your number.

Original poster

cornersleeper · 09/07/2023 14:05

SophiaElizabethGrace · 09/07/2023 13:51

On a separate but related note, did you also remember to update your V5C and driving licence when you moved?

That very kind of you to point that out. I had done all of this, I had just believed I had told them my new address because I had done the house insurance. Total mistake on my part and I am hugely lucky it wasn't a major accident I was involved in.

OP posts:

GoodChat · 09/07/2023 14:00

They contact you multiple times to tell you they're cancelling your policy.

You're looking at a big fine and points for this OP.

SophiaElizabethGrace · 09/07/2023 13:51

On a separate but related note, did you also remember to update your V5C and driving licence when you moved?

cinnamonfrenchtoast · 09/07/2023 13:35

Glittertwins · 09/07/2023 13:24

Two separate policies, two totally different sections of the company means notifying every single provider regardless of the headline name

This. You really do need to contact them about every single policy.

Unfortunately as OP originally didn't want to go through insurance, it's going to look like she knew she wasn't insured to start with.

Nordicrain · 09/07/2023 13:27

Oh dear op, this is a bit of a pickle. And I agree that it will sound as thought you knew but we’re trying to hide that you didn’t have insurance.

Glittertwins · 09/07/2023 13:24

Two separate policies, two totally different sections of the company means notifying every single provider regardless of the headline name

tweener · 09/07/2023 13:22

cinnamonfrenchtoast · 09/07/2023 13:21

OP says she didn't tell her insurance company she'd moved house.

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She had house insurance with the same provider as her car insurance, and didn't realise by just updating the home insurance it wouldn't automatically update the car insurance too.

cinnamonfrenchtoast · 09/07/2023 13:21

TomorrowToday · 09/07/2023 13:17

Why aren't you insured? They have to write to you etc to tell you, you aren't insured

OP says she didn't tell her insurance company she'd moved house.

TomorrowToday · 09/07/2023 13:17

Why aren't you insured? They have to write to you etc to tell you, you aren't insured

TomorrowToday · 09/07/2023 13:16

cornersleeper · 09/07/2023 11:21

I just don't understand why they aren't happy for me to pay for the damage to be fixed. The cost of the repair is less than the excess and my insurance premium will go up. I asked her to do this but she is saying she wants to do insurance. I just don't get it

Because people back track

TomorrowToday · 09/07/2023 13:16

cornersleeper · 09/07/2023 11:00

I damaged someone's car in the car park the other day. Damage is absolutely minimal - way less than my insurance premium would be. I could have left without leaving my number but I left my number and an apology. The person is saying they want to go down the route of insurance. Do I have to accept this as it was on private land?

Ffs.

Their insurance premium would go up, even a no fault claim.

You damaged their car.