Please or to access all these features

Add post

Watch this thread

Save thread

Start a new thread

Flip thread

Hide thread

My feed

Active Unanswered threads

Getting started FAQ's

Unanswered threads Acronyms Talk guidelines

Hide shortcut buttons

Talk

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Flip

1 2

Original poster

AIBU scratching car in car park

26 replies

mumof2exhausted · 18/08/2017 17:50

Last week my car was bashed in carpark, wing mirror pushed in and when checked was all scratched. No note or anything but maybe they didn't notice or to be honest guess it happens a lot .

I then slightly scuffed car today getting into parking space (having a bad run of it!), completely my fault. Very tired and just misjudged it. Only small surface level black scuff, reckon something for you could sort yourself. Anyway as decent human I was writing note with my info for the driver when she came back, exchanged details, said I'd be happy to pay for repair would ideally not want to go through insurance as small thing. She's now being funny saying she wants to go through insurance. Just don't get why? Had couple of quotes for her already between £100-200. Just gutted as will lose my 10 years no claim over something so daft and my insurance will shoot up. Anything I can do to persuade her? I was really apologetic at the time and was genuine accident

OP posts:

Original poster

mumof2exhausted · 18/08/2017 17:51

Just adding guess I'm thinking wish I just left the car like the person did to me last week when they bashed me. Friends have all said they would have driven off!!

OP posts:

Happydoingitjusttheonce · 18/08/2017 17:55

You were right to leave a note and I'm sort for you that some scumbag didn't when it happened to you. This happened to my parked car and my neighbour witnessed and gave chase, getting the details. Damage of that level is likely to within the excess anyway? Point that out to the car owner and get a couple of quotes, or she can, so she knows she's not being ripped off. Your turn for some good luck x

Happydoingitjusttheonce · 18/08/2017 17:56

sorry for you. Bloody auto correct

InSpaceNooneCanHearYouScream · 18/08/2017 17:56

Phone your insurer- is your no-claims protected? Even if it isn't they may allow one small claim without it affecting your NCD. Ask their advice- they should be able to give you a good idea of how to proceed

Dina1234 · 18/08/2017 17:58

I don't think you're obliged to go through insurance so long as you pay for the damage in some way. Have you asked for CCTV for the earlier incident?

TheSnowFairy · 18/08/2017 17:59

Pp is right, you can have this one without affecting NCD.

TheSnowFairy · 18/08/2017 18:00

Ps and you did the right thing (although it may not feel like it at the moment)

Raver84 · 18/08/2017 18:00

Ultimately it's up to her If she wants to claim seems a bit daft though if your willing to sort it out yourself. Ask her if she would get a quote without going through insurance and reassure you will pay. I've paid people a couple of time for door dents they are normally happy just to have some that's left a note and are pleased that I've paid.

Allthebestnamesareused · 18/08/2017 18:02

Yes she is obliged to go through her insurance if the person whose car is damaged wants to.

The person doesn't know you and so therefore might not trust that you will pay. Also sometimes when you go to get these things done it ends up being more. Going through the insurance she will be entitled to claim for a car for the time the car is in for repair.

If it ends up needing any type of respray this will be more than one day.

You know you are nice and trustworthy but she doesn't.

If she tells you it is £200, gets it done and it is eventually £450 you'd obviously query it.

I assume you'd have protected NCB so it shouldn't affect your premiums.

MadamePomfrey · 18/08/2017 18:03

I totally see why you wouldn't want to go through insurance but if I put myself in her shoes last time I went through my insurance they picked the car up from home dropped of a hire car for the duration and I trusted them to have a reputable garage they used. It would be significant less hassle for me to use insurance. Is it the same for her? I would be honest and present her with a variety of quotes. Hopefully she will understand your point of view.

hopefulmumofone · 18/08/2017 18:07

Perhaps she is worried you don't stump up when it comes to paying? I've had similar happen to me and tbh would be very wary now. You could tell her that she can 'notify' her insurance of the incident and they will log it, then she can always claim later if she needs to.

Well done to you for being so honest though, I've just got my car back today, two days in the garage and a £230 bill I could've done without!

DailyMailReadersAreThick · 18/08/2017 18:08

She's not "being funny", she's protecting her interests. Put yourself in her shoes - how does she know you'll pay up? How does she know you'll pay up if the quotes aren't accurate (presumably the mechanics hadn't seen the car) and the bill is actually £2,000?

It won't do you any favours to think of yourself as the victim here. YABU.

Ewanwhosearmy · 18/08/2017 18:12

Perhaps her car is on a PCP and she doesn't want to invalidate her warranty?

BikeRunSki · 18/08/2017 18:13

She may want to go through insurance because she'd get a courtesy car while the work is being done; it may be a company car or lease car and this is expected for any crash damage or body work required; because it might just be less hassle for her to hand it all over to a third party; or she just may not trust you.

John4703 · 18/08/2017 18:13

I can understand the other driver. Someone ran into the back of my car when I was stopped at lights, he said he wanted to pay and not use insurance, I agreed. After two weeks of daily phone calls and excuses from him I went to my insurance and they sorted it all for me. (I have phoned them the day it happened and told then that he was going to pay)
I can understand why the other driver might not trust you, I'm not sure if I would ever trust anyone again.

TheFairyCaravan · 18/08/2017 18:13

I'm sorry your car was hit and the person who did it drove off. However had you have scuffed my car, or DH's, we'd go through the insurance because we need to protect our paint and anti-corrosion guarantee.

She's not "being funny" it's not her fault.

Myrubbershoes · 18/08/2017 18:15

This happened to my DH - he was hit by someone who wanted to fix without going through insurance. Problem was, DH's car was a company car - he had no choice whatsoever but to go through insurance, or he was breaching the terms of having a company car.

Floralnomad · 18/08/2017 18:15

How can you have got quotes for her damage , did she give you the car ? Just let the insurers deal with it .

Lucyccfc · 18/08/2017 18:24

I completely understand her wanting to go through the insurance.

My car was reversed into and the driver kindly left a note for me. She didn't want to go through the insurance and wanted me to use her husbands garage. I got 2 quotes from garages of my choice and said I was happy with the cheapest - £600. She then ignored me. She ignored the insurance company and eventually it went to court. The costs ended up being 3 times the original amount.

I would never agree to not go through insurance again - it's so much hassle.

Scottishgirl85 · 18/08/2017 18:30

Tells her if she goes through her insurance she will need to write it on applications for her own car insurance for several years! This happened to us, someone bashed us in a car park, although the damage was significant. Even though not our fault we have to declare it each year and I'm sure it's adds to our premium!

Tiptoethr0ughthetulips · 18/08/2017 18:36

YABU, she's absolutely right to go through insurance if she so wishes. Lots of us have been stung by people who say they're going to pay and then mess about.

Scrumptiousbears · 18/08/2017 18:44

Similar thing happened to a friend although it was her car that got hit. She didn't want to use the garage the "offender" used as she wanted it all above bird and official not some back street garage.

Original poster

mumof2exhausted · 18/08/2017 18:47

Thanks for your comments. I do understand why she might want to go through insurance as doesn't know me. I am trustworthy but obviously she doesn't know that. It's a very small superficial scuff so definitely not big job. I was driving so slowly but whilst avoiding car to my right I clipped her car on the left. I know when I had accident last year (not my fault and other driver took full responsibility) it has affected my insurance quote this year which seems mad and another reason think it's best for both of us to get sorted ourselves. Thanks for your comments I will call my insurance company for advise. Thought I had protected no claims but don't think I have, pretty gutted about whole thing.

OP posts:

BubbleBed · 18/08/2017 18:51

Even If you don't want to go through your insurance as a claim, you need to inform them that you've had an incident. Otherwise you may find that your insurance is invalidated, especially if she informs hers.

I hit someone accidently. The damage looked minimal. I informed my insurance, and said I was looking to pay for the damage privately. They said ok. Then turned out the damage had affected the chassis (hit from behind) so I wanted to go through my insurance as I have protected no claims and only £100 excess. She hit the roof and sent me abuse as she didn't want to to tell her insurance company because of her premiums. So it was left. But her details were logged with my insurance company, so it may well flag up as an undeclared incident for her now.

BubbleBed · 18/08/2017 18:52

And you don't lose all your no claims if it's unprotected and over five years worth. With my insurance you only lose one year's worth.

Flip

1 2