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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

To be so fuming at neighbour!!

111 replies

rickandmorts · 15/03/2024 21:26

Where we live we have to park on the road with our 3 other neighbouring houses (can draw a diagram if required but don't think it adds much to the thread). We've lived here for a few years now and generally it's been fine but had a few minor issues with one neighbour (not parking related). But all fine, nothing to fall out over and I always say hi.

This morning DP was just about to go to work when he witnessed said neighbour drive into his car then drive off WTF. He rang her and she admitted it then said she didn't know it was his car. She obviously knows it's his fucking car as we've lived there for 3 years and there's only 5 cars that park there! Plus if she didn't know whose car it was (as she alleged) was she not going to leave a note? It's caused a lot of damage and is just a massive faff we don't need right now. I'm just so glad he saw it happen because if he didn't then we'd have thought someone driving past had done it and would have to fork out ourselves to repair it and we really don't have the money right now. Aibu to be massively MASSIVELY fucked off with her? DP is a lot more chilled than me and is just glad she'll pay for it but I'm fuming!

OP posts:
Allofaflutter · 16/03/2024 20:30

I would be tempted to post on the local fb anonymously has anyone had a car damaged in the village? Pm me.

WhoaJayShettybambalam · 16/03/2024 20:29

The whole neighbourhood needs dash cams and ring doorbells or whatever they are called.

TheFancyPoet · 16/03/2024 20:26

She needs reporting and being banned of driving.

HollyKnight · 16/03/2024 20:26

rickandmorts · 16/03/2024 20:21

@HollyKnight yeah but going through insurance was the right thing to do in this situation. We don't trust her to pay is out the full amount. So yeah it's a shitty situation and very annoying. Hopefully his policy has protected no claims so it doesn't go up

He could have gone through her insurance like many people said. It wouldn't have cost him anything or affected his premiums or any no claims discount.

Original poster
rickandmorts · 16/03/2024 20:23

Lanawashington · 16/03/2024 20:21

I’m confused about people saying you won’t need to pay the excess. We had a non fault claim 2 years ago and had to pay the excess up front but they then claimed it back from the other insurance company. Another non fault claim in December last year and again had to pay up front before the garage would let us have our car back. Still waiting to hear whether we’ll get our excess back. I always thought the excess was paid no matter who was at fault?

Yeah when my car got written off by another arsehole last year I had to pay my excess up front. Well it got taken off the final value of the car that the insurance paid me out for. I'm also still waiting to hear back if I'll get it back! Because it's most likely going to court (if his insurance don't settle before)

OP posts:
Somerford · 16/03/2024 20:23

rickandmorts · 16/03/2024 20:21

@HollyKnight yeah but going through insurance was the right thing to do in this situation. We don't trust her to pay is out the full amount. So yeah it's a shitty situation and very annoying. Hopefully his policy has protected no claims so it doesn't go up

There are accident management companies that will sort the repair and a hire car and claim everything back from her insurance, nothing needs to go through your DP's insurance and you don't have to pay the excess if you do it that way

Original poster
rickandmorts · 16/03/2024 20:21

@HollyKnight yeah but going through insurance was the right thing to do in this situation. We don't trust her to pay is out the full amount. So yeah it's a shitty situation and very annoying. Hopefully his policy has protected no claims so it doesn't go up

OP posts:
Lanawashington · 16/03/2024 20:21

I’m confused about people saying you won’t need to pay the excess. We had a non fault claim 2 years ago and had to pay the excess up front but they then claimed it back from the other insurance company. Another non fault claim in December last year and again had to pay up front before the garage would let us have our car back. Still waiting to hear whether we’ll get our excess back. I always thought the excess was paid no matter who was at fault?

Original poster
rickandmorts · 16/03/2024 20:19

@Barrenfieldoffucks @Allofaflutter he asked that on the phone actually. They have to do some checks or something (not really sure I'd tuned out by this point!!) and will let him know in 14 days. It would be really good if we could though, then he can just buy a 2nd hand bonnet and grill and get it fixed. And like you say we'll probs end up with a little bit of money left over. But our luck is terrible at the minute so not holding out much hope 😂

OP posts:
HollyKnight · 16/03/2024 20:19

rickandmorts · 16/03/2024 20:12

@HollyKnight neighbour said yesterday a few hundred quid should sort it. But the quote for repair was going to be a lot higher than that. Plus I don't trust her to actually pay the full amount and like people said, once we've gone down that route and she doesn't pay the whole bill then it's too late to go through insurance. DP gave his insurance company all her details so I presume they will claim the cost of DPs car from her insurance no?

DP is making a claim under his insurance, though. That will cost him his excess probably and also means his premiums will go up next time because he will have to declare making the claim.

Allofaflutter · 16/03/2024 20:16

Snap!

Allofaflutter · 16/03/2024 20:15

Can you buy the car back from insurance?

Barrenfieldoffucks · 16/03/2024 20:15

If you like the car can you buy it from the insurers and get it fixed? You'd probably come out ahead.

Original poster
rickandmorts · 16/03/2024 20:12

@HollyKnight neighbour said yesterday a few hundred quid should sort it. But the quote for repair was going to be a lot higher than that. Plus I don't trust her to actually pay the full amount and like people said, once we've gone down that route and she doesn't pay the whole bill then it's too late to go through insurance. DP gave his insurance company all her details so I presume they will claim the cost of DPs car from her insurance no?

OP posts:
HollyKnight · 16/03/2024 20:06

You really should have waited to see what the neighbour would have offered you. If your insurance is giving you money, does that mean you're going to have an excess now for not going through her insurance first? Your insurance is going to be so much higher next time now.

Original poster
rickandmorts · 16/03/2024 20:03

Thank you @MsFaversham ❤️

OP posts:
Original poster
rickandmorts · 16/03/2024 20:03

To be fair @Allofaflutter the price they gave us was decent to say the car has done a hell of a lot of miles. But it was a really good car and we were just running it until it died. So we could afford another similar car with a lot of miles on the clock but we'd have no idea of history and it would probably just be a money pit. Whereas with DPs we knew all it's history and it was a solid car 😭 we weren't planning on having to buy a car anytime soon and just cleaned our savings out doing up the house

OP posts:
MsFaversham · 16/03/2024 20:03

rickandmorts · 16/03/2024 19:59

We were going to go that route @MsFaversham but decided we don't trust her so just gone through insurance. Who've wrote his car off which we were expecting but it's very annoying nonetheless. As now he's carless until he buys something new and we've just spent our savings on doing our house up 🥲

I’m sorry her shitty behaviour has resulted in so much difficulty for you.

Original poster
rickandmorts · 16/03/2024 19:59

We were going to go that route @MsFaversham but decided we don't trust her so just gone through insurance. Who've wrote his car off which we were expecting but it's very annoying nonetheless. As now he's carless until he buys something new and we've just spent our savings on doing our house up 🥲

OP posts:
Allofaflutter · 16/03/2024 19:59

Always argue with insurance about the amount. I’ve done this and got much more when I asked them to find me the same car for sale with same features and same condition. And I threatened to take them to the insurance ombudsman.

MsFaversham · 16/03/2024 19:55

If the other driver is going to pay for all repairs you don’t have to make a claim but do need to report the incident to your insurers. An Uber driver hit me once and didn’t want to claim on his insurance. The police told me he could pay me direct, as I wasn’t sure, and driver transferred the money the garage had quoted for the repair. I reported the incident to my insurers. It didn’t affect my premium and I didn’t pay excess. What he did with his insurers I don’t know but imagine my insurers would have shared the info with his.

Original poster
rickandmorts · 16/03/2024 19:48

Oh god why are people such arseholes! I swear we're not intelligent enough as a species to have the responsibility of driving cars 😂. Anyway I knocked on her door today to get her insurance details and she didn't answer the door lmao. But we reported it to insurance and they've wrote DPs car off. The amount they've given us for it isn't enough to buy another decent car so I'm hugely fucked off again.

OP posts:
thingsineverthoughtidsay · 16/03/2024 19:38

I’m so glad he is going to report it. I had a similar situation, saw a neighbour hit my car and drive off, so I confronted her about it when she got home, and she admitted it and said she would sort any damage. The next time I saw her, I asked her about it and she became verbally abusive. So I reported it through the insurance company. Thank goodness I did as she moved out the following week and clearly had no intention of paying up. But her insurance paid for everything, it must have cost them a fortune.

SonyaBoot · 16/03/2024 19:09

This reply has been withdrawn

Withdrawn at OP's request.

AdultFemaleWoman · 16/03/2024 17:09

rickandmorts · 15/03/2024 21:48

Won't DP have to pay his £300 excess though? Or does her insurance cover it? When my car got wrote off last year by a driver on the wrong side of the road (we have NO luck with cars 😂) I still had to pay my excess. Which stung!

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If you tell insurance, they will charge you more next time