Meet the Other Phone. Child-safe in minutes.

Meet the Other Phone.
Child-safe in minutes.

Buy now

Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Car accident - who was wrong?

188 replies

WhooooAmI24601 · 03/10/2017 11:53

I was parked up in a supermarket carpark today. Reversed slowly out of my space, checked over my left shoulder, nothing there. Reversed and as I turned my head back over my left shoulder a gentleman in a silver car shot around the corner and straight into the left hand rear of my car.

We're both fine, no real harm aside from dents in both cars, but mine is less damaged than his. Swap details, I take photos of the damage (which he objects to) and leave it there agreeing to speak once we've priced up repairs. He admitted no liability, nor did I. He's just phoned to say his car will be £300 to repair but if he goes through his insurance they'll write it off (his car has dings and dents all around the other sides). I pointed out that if I'm paying for his car to be repaired he'd better be willing to repair mine, he says at his age he can't afford £300 so I'm going to have to pay. I refused and said he was going much too fast around the corner.

The chap got quite worked up and shouted that as a pensioner he has no income and that either I pay him £300 or he'll take it to the police and insurance companies and I'll end up paying more.

What do I do?

OP posts:
GreenTulips · 05/10/2017 15:26

You have a duty to insure you advise your insurer of any potential claim with in 7 days after that you could face the full extent of the claim. For example if he claims whiplash 2 years down the line and yourninsirees have no details he could sue you personally.

OP has protected bonus so won't lose it

Also - the claim cost makes a huge difference they add up your premium V the pay out and the increase is based on percentage.

bemusedmoose · 05/10/2017 16:34

Sounds just like the man in silver car who did exactly the same to me in carpark only i stopped in time.

I think it's obvious why there are so many dinks in his car!

Stop talking to him and ring insurance. Police wont be concerned you swapped details and have photos - he's just threatening you. I'd guess there is a reason - no insurance (or so many claims he cant afford another), medical condition which means he shouldn't be driving or just a tight git who doesn't want to pay. Either way go through insurance asap..

MyOtherProfile · 05/10/2017 17:17

I wouldn’t contact my insurer myself because that could then constitute a claim and cause you to lose your NCB.
So would you pay for your car to be repaired yourself?

MyPatronusIsAUnicorn · 05/10/2017 17:41

They clearly need to stop making a blanket rule of person reversing is at fault. Clearly there are many cases where it isn't.

Good luck OP. Even if it wasn't your fault, your premiums will go up. My car was parked outside my house, I was in the house and my car got hit by someone going too fast and skidded on ice. He immediately admitted fault and we went through insurance. My premiums went up because my car was involved in an accident so I was a more at risk driver. Total joke.

Karatema · 07/10/2017 12:05

Oh I do love all the insurance experts on MN. Contact your insurance broker and they will help you out. That's what they are there for!

MyOtherProfile · 07/10/2017 13:42

Oh I do love all the insurance experts on MN. Contact your insurance broker and they will help you out. That's what they are there for!

Oh the irony! Firstly always worth rtft - OP contacted insurance days ago. Secondly don't contact an insurance broker. Go directly to the insurance company.

SoupDragon · 07/10/2017 14:14

Oh I do love all the insurance experts on MN. Contact your insurance broker and they will help you out. That's what they are there for!

Aren't brokers just salesmen,not claims experts?

LurkingHusband · 07/10/2017 17:11

They clearly need to stop making a blanket rule of person reversing is at fault. Clearly there are many cases where it isn't.

Who said it was a blanket rule ? It's a rebuttable presumption.

MyOtherProfile · 07/10/2017 17:59

Aren't brokers just salesmen,not claims experts?

Exactly. They're the ones some people go to to find an insurance company in the first place.

GreenTulips · 07/10/2017 18:05

Brokers are there to deal with your custom including claims

They have an account with insurance company A and every year A will look at their risks V claims and decide if they want to continue doing business with them or if they need to increase premiums or if their book is heavy on young drivers or fire risks etc

They don't just keep placing crap business in the books of A insurer

Same as Insurer B will look at the account of insurer A and decide to offer 10% discount or give Brokers 15% cut instead of 5%

So brokers are interested in the claims made

SoupDragon · 07/10/2017 18:15

Ive never gone through the broker to put in a claim. The claims process has always been to contact the insurer.

LurkingHusband · 07/10/2017 18:53

Brokers are also trusted by insurance companies to make judgements on policy applications, and adjustments where appropriate.

pollywollydoodle · 07/10/2017 22:36

Thanks for ACR link lurking husband

New posts on this thread. Refresh page
Swipe left for the next trending thread