To think this woman should be thoroughly ashamed of herself?

🤣🤣🤣🤣🤣

Do you even let it go to trial?

Oh yeah, it’s because you had a BMW! Obs 🙄

Not a HUGE evil Range Rover and a poor sweet LITTLE fiesta.
🤣🤣🤣

by law you still need to tell your insurance company even if you pay privately for repairs because if the insurance company find out/see the repair during a future appraisal for example, then your insurance will be voided!

I'm a judge and the only way your son would be at fault is if he was driving a BMW. Me and all my judge colleagues just assume people that drive those are always guilty.

Your son’s insurer should try to get any CCTV footage asap, some gets wiped in days, others up to 30. And as others said, never settle privately, too many CFs flip the story later. I had someone crash into my car when it was stopped at a red light, admit fault, then claim I stopped “for no reason.” Thankfully I had a dash cam.

I'd be very careful of ' let's not go through insurance'. The issue is that you are supposed to report accidents immediately really. So probably okay as it's only a few days but your son needs to now go straight to insurance.

I scraped the edge of my neighbours car and we sorted outside insurance, but he is my next door neighbour (so I have skin in the game to maintain a relationship), it was very clear cut, and I proactively followed it up all the way through (plus I'm not a twat).

The fact your DS seems to have been chasing her to send the repair update maybe sets off alarm bells that he was possibly too trusting.

This is why we bought dash cameras. We had a lot of very close calls, mainly with older drivers who did not signal and did not check when changing lanes. With the ever increasing number of cars on our roads, cars getting bigger and bigger, and more drivers that lack awareness of what's going on around them I think an accident sooner or later is inevitable.

Please people don’t feel afraid to contact your insurer and just don’t trust when people say they want to settle outside an insurer. This is because they could just be messing you about never intending to pay up and by then more time has gone making you look less credible in the eyes of your insurer for not having been immediately honest. Also, sometimes the person is genuine and admits liability but then gets strong armed by a partner to say opposite.

Also it’s never straightforward! Eg I got hit from behind whilst stationery at lights on a very busy main road so assumed it was pretty straightforward re liability and payout but oh my goodness dragged on for best part of 2 years! Eventually found in my favour but very stressful.

The most surprising one was when a few months ago I tapped the bumper of a car as I was reversing. The owner saw it and shouted at me then spent 20 mins examing both cars but there was not a mark to be seen. He later apologised and we had a nice little chat (was in Dr car park so exchanging ailments 😅). But then he went all funny though kept saying he wouldn’t be reporting but was ‘just in case’ (whatever that meant) and still wanted details so I gave them to him. Before I left I took photos of his and my car and immediately told my insurer and they told me they accepted my version as couldn’t see any damage and would use my photos as proof in case he tried to claim later (or show different photos). So when my renewal came through, I was expecting an increase because of that incident where I had obviously admitted fault - but my premium was actually about £40 less - which was a very unexpected but welcome surprise!

I think she should be ashamed but I also think a lot of this is just common sense that you seem to lack. Before I even started driving, it was drilled into me to always go through insurance, so why haven’t you taught your son that?

For most insurance policies, it is mandatory to report such issues to them so avoiding going through insurance was terrible advice from the start. You’re in a position now where she has been able to manipulate facts, which essentially anyone does when faced with potential legal action. This is why you involve your insurance from the start, they have legal counsel to fight this.

Happened to me. I was stationary and the arsehole reversed into me and said it was my fault and went on to say because I was last in the chain of cars involved (there were only us two involved) the insurance company would agree it was my fault! Unfortunately there is nothing you can do without Dashcam footage it's your word against theirs unless you have a witness. It's so wrong.

Ime never trust a woman who owns a RR... My parked car rolled back inches as I put the hand brake on (bank at school) RR had parked up my arse and it literally touched the bumper.. The man was more than fine about it. A slight scuff a magic sponge likely would have removed.. I agreed to get it 'fixed.. Next day he sent me a quote for £70...all good. Until he went back to work (away) and the dw started abuse via text.. Apparently she wanted the car sent back to RR and I had to pay for a check over and a courtesy car.. I told her to fuck off as I'd dealt with the driver.. Her dh. I sent him the texts and he actually apologised for her. Her dc is at my dc's school.. Same class. Not word have I ever spoken to her. She is a vile specimen. They cashed my cheque but never had the scuff removed..

Even if you don’t make a claim you still have to tell insurers.

If your son was waiting for a car parking space, then presumably he was stationary? If so, she reversed into a vehicle that wasn't moving and that immediately puts her at fault

You'd have thought so but when I was involved in an almost identical incident my insurance company accepted a compromise 50-50 settlement. I was not best pleased. I was stationary, waiting to turn into a parking space when the woman reversed out of a space into my driver's door. She accepted it was her fault but months down the line her insurance company started paying silly buggers over it. I'm still baffled as to how it could be deemed partly my fault, it's not like I could have moved sideways into her car.

This often happens when they see the bill.

I would tell the police every time and go through insurance every time. You can’t trust anyone.

Similar happened to DH. Woman wasn’t looking and veered across the white line going straight into him. She admitted she wasn’t looking and it was her fault then the next day claimed he drove into her and cctv would prove it. There was no cctv and he ended up with a ccj because his insurance company didn’t respond to hers. This was during Covid.

Just let your insurers know and they will deal with it. Try and get her insurance details first. But don't engage in any conversation about whose fault it is. The insurers shoukd be able to work it out.

I wouldn’t be angry, but I would not have agreed to sort it out privately in the first place.

Similar happened to my mum. It went through the insurers but took ages to sort out. Mums car had a big dent on the side door and hers had a bashed bumper but the cheeky mare tried to argue that mum drove in her - what sideways!?🤦‍♀️ It went all the way to the brink of court, but she backed down the night before the deadline. She had to pay mum's excess too 😂

So you lost because you had a BMW? 🤔

I’ve heard of this sort of thing happening quite a lot unfortunately. Some people are just arseholes. He needs to get his insurance company involved.

What he does is tell the insurers and let them fight it out.

Except mine went to court and I lost. I was stationary but in a BMW so that's why I think the judge decided against me. Dash cams are the only way to go Im afraid... good look getting access to cctv you might struggle with gdpr...

You're being unreasonable for ever agreeing not to involve insurance. This is what it's for!! Not i volving thrm is a breach of your contract, so if they found out you had an accident and hadn't told them your premiums would shoot up anyway. Tell them now and leave it to them to sort out.

I would report to the insurer ASAP and get a dashcam to avoid future issues like these. Bloody chancers.