Child bashed car door

I worked in insurance for years. 99% of the time they will pay out and recupe from the other parties insurance, regardless of being stationary. With this happening you will have a no fault claim and as it has been settled it will not affect your premiums. In the slight chance they cannot (depends on wording and never seen it happen before) they will let you know before the claim is put through. Also, call the police and get an accident number. They won’t do anything but with the number the claim is processed quicker between both insurance companies. Hope that helps

I had the same situation, my car was parked and another car parked next to mine and dented my car when the driver got out - claimed it from her insurance so definitely contact your insurance company and give them the other ladies car details

Incidentally (because it's house not car insurance) I made a £40k+ claim on my house insurance. The next year it was about £200 more. The next £100 more. Then £50 more. Now it's back to normal. I will never pay in insurance premiums in my entire life (probably) what I claimed so it's always worth claiming in my experience.

The same thing happened to me. The driver swung open her door excessively and caused damage to my brand new car! Fortunately she did exchange details. My insurance sorted it all and said I wouldn’t lose out in any way as it was the other party’s fault. Good luck

My neighbours car rolled into ours. He'd left the handbrake off. Both cars were empty but I was still able to claim through insurance. Despite it being no fault our premium did go up and this is the case with any claim fault or bo fault. Apparently if your car has been involved in one accident there is a greater chance of it being involved in another (although this could just be spin from the insurance companies to justify increases)

She’s a colossal CF OP, go through insurance and give them her registration. She’s trying to get out of being responsible for it and paying for the damage. I’m in no doubt it was an accident, but she shouldn’t be allowed to worm her way out of being responsible.

The mum of the kid said it was just an accident

An accident. Exactly what insurance is for. The woman is a chancer thinking she can just walk away from this with no repercussions.

My insurance didn't go up at all when I was hit by a post office van. I just had to declare it for 3-5 years, depending on the insurance company. Even when I was at fault and hit a car, my insurance only went up by £100 the first year, then down to about £50 extra the following year. Cheaper than the thousands to pay for damage myself.

My insurance only went up by a tenner a month when I claimed on someone else's.I just gave insurance company their reg

Someone crashed into me and my car was a write off. Wasn’t my fault and I didn’t get penalised for it
she was probably just wanting to refuse to pay for it

Ring your insurance company and give them her registration details. Not sure if the insurance company can get her insurance details or you have to speak to the police. Either way she's being very unreasonable to tell you to claim on your insurance and not give you her details. To repair and respray two panels will run into the hundreds of pounds, so not to be sniffed at.

Take her reg & pass to your insurance company. Let them sort it out. It might put your premium up if you don’t have your no claims insured, but what’s the point of having insurance if you’re not going to use it after an accident? That’s what it’s for! If it happened as you described, she’s absolutely liable (totally irrelevant that the cars were stationary!!)- you could give her another chance to pay (get a quote first) or go through your insurance.

I'd be willing to handle a (possible) hike in my insurance just to show her entitled arse.

Interesting that there is the assumption that the mum at fault has insurance. You'd be surprised how many people (even well to do) don't and this may be the case here.

Hate it when my last year gets damaged! 😆

🤣

Totally her fault as she is responsible for her son. What an arse.
You need to politely inform her that you will be going to the insurance company unless she wants to pay for the damage.

What a cheeky fucker saying it should go through your insurance and not hers and refusing to pass on details. You could pass on a message via school asking if she wants to cover the cost or go through her insurance or for you to give her registration number to your insurance

Yes and tell your insurers that she refused to give her details.

I think it’s absolutely the right thing to let insurance sort it out and she should have given you her details. It’s a bit unfair to accuse her kid of vandalism though. Surely it was an accident?

It was her car that damaged your car. Of course she is at fault and needs to hand over her details. If not go to the police and explain whats happened they'll give you a crime ref and you can give it to your insurance along with her number plate and they can make a claim

No fault claims absolutely so effect the premium. And even more annoyingly, even just no fault accidents on your record do.

My car was hit when parked on the my own drive. The other driver totally admitted fault and his insurance dealt with me directly and sorted everything out. Yet, as I also informed my own insurance about it, it is still a record of an accident on my file.

Later I applied for a new policy with a new provider and did not mention that as it was not a claim. But they then saw it on my file and increased the quote given a day before. Even though I was at home and my car was on my drive!

This woman is a massive CF! I bet she goes through life making up bullshit excuses to cover her kids behaviour and hers! What kind of prick doesn't accept that if you damage it, you pay for it! Accident or not!

If you can't get her to pay, which she should with no debates then you go through her insurance. It will almost definitely increase your premium but it will increase hers too and that would make me happy.

Of course your insurance covers your car when it's stationary. Fuck sake!

Yeah, badly worded on my part. Guilty as charged M'lud.

I agree with most of that. It’s just that you seemed to be misunderstanding the terminology. It is indeed a no fault
claim, from the OP’s insurers’ perspective anyway.

Doesn’t this constitute accidental damage and should be paid through the other driver’s insurance?