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Involved in (small) collision - need advice please

78 replies

wondering1101 · 01/12/2018 18:30

About half an hour ago on my way home this evening and going round a bend, my car and the car coming the other way came into contact.

We both stopped. The other person’s car has white scrape marks but no dents down the left hand back door. Mine has a dent, some black paint marks and some actual scratches in the paint on the front right hand wing.

Instead of exchanging insurance details, the other person suggested we both get quotes at the local garage, and split the cost down the middle. I said yes. She said we don’t know who is at fault and that was also my first thought when it happened. My dd reckons I was close to my side of the road but she could be wrong.

Initially, before she realised that her car was also scraped (but not scratched like mine is), the other driver was going to pay for all my damage, but when she saw her white paint marks she came up with the split the cost down the middle thing. Her friend was telling her not to talk (in their language but I understood) ie. don’t offer to pay all this person’s costs.

So I have to contact her this evening and we are going to the garage together.

Have I done the wrong thing / right thing?

OP posts:
wondering1101 · 03/12/2018 12:18

It’s the worry about money and my 3 dc with their various issues. It’s hard.

OP posts:
SpoonBlender · 03/12/2018 12:25

The entire point of insurance is to stop you worrying about it by giving you a hard ceiling on how much you'll pay. Lean into the insurance and don't worry about anything beyond your excess.

MintyT · 03/12/2018 13:03

Oh I'm pleased you sorted. Insurance is there to help you. And have your back and defend you. Should something happen again pls try to take photos to help you case

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