AIBU for a car scrape?

[winnerwinnerchickendinner10000]

Managed to lightly scrape someones car in a car park today, purely paint damage a hairline scratch and not down to the bare metal.

Had someone scrape my car before bigger than this, down to the metal and getting it repaired at bodyshop was not too expensive

Left my number but had my phone turned off rest of day as I have a night shift tonight - the man whos car i scraped left two messages saying he has gone to his insurance who have given him until lunchtime tomorrow to get the rest of my details. Is it possible he can trace my phone number?

AIBU if I am happy to give him cash but don't want to go through insurance?

First time driver, only passed a few months ago and cannot afford to lose my current ncb and no accident rating.

Curious to find out what others think.

i do wonder if you're so perfect in real life

No one's perfect. That's the point of being insured

My DM was nice and friendly to someone who didn’t want to phone the insurance. They agreed to get car repaired and then the girl didn’t come across with the cash.
Turned out they had ‘forgotten’ to renew the insurance.

To finish the story it went through DM’s insurance who then hounded the girl until they got the money back.

No sympathy here for the girl.

I would always go through my insurance.

DH scratched someone’s car. We left a note with our details.
It went through our insurance although we didn’t claim for damage to our car.

OP the question on a deadline to report, he is talking rubbish about having to give his insurers your details by tomorrow lunchtime. Someone drove into me whilst I was parked a month ago clipping my wing mirror, no damage to my car, the glass in his wing mirror broke.

We exchanged details, reg numbers, mobile numbers and exchanged insurance details the next day. I reported the incident to my insurers even though there was no damage to my car so they would be on notice if he contacted them. This was a month ago and as far as I know, he hasn't contacted his own or my insurers yet but it could still turn into a claim.

Do you have appropriate insurance?

How is it vindictive? Charging the OP for section 170 would be vindictive IMHO since she's shown intent to do the right thing.

frank that’s all very lovely but that’s not how the law works.

@edwinbear

It's about providing the details in a timely manner. The OP hasn't provided their details (ie, reg number, insurance company etc) so the other party could technically go to the police.

DP had something similar happen to you - no damage to his car, damage to the car that hit him (totally their fault), last April. He heard nothing more about it until December and it's still not resolved.

The other car driver is a fool to go through his insurance. It will put up his premiums for 5 years, until the claim rolls off. If I were him, I would have taken your hand off for the cash offer, and got it repaired at a bodyshop. If you hadn't left a note, I would have still gone down to a bodyshop and fixed it at my expense.

(or if it's just a clearcoat scratch, fixed it myself as per

Try getting two insurance quotes, one with a £200 no-fault claim, and one without. Then imagine paying that price difference for 5 years.

I speak as someone who watched my insurance rocket after someone rear-ended me while my car was stopped at a red light.

He’s not a fool at all. Mine went up slightly when I had a non fault accident. No way would I have accepted cash.

The Police certainly will track you down if they want to. About 3/4 years ago I also carelessly scraped someone in a car park, waited for a bit but no show so put my name and number under the windscreen.
No calls until about 5 hours later, it was the Police. The women i had scraped had told them I was uncontactable ( i had no missed calls) and had escalated it straight to the Police who gave me a proper rollicking for not leaving my address as well. That is against the law ( as I now know, i had thought contact details were fine). Was pretty scary tbh.

How did this ever so tiny scrape happen??
YABU but you already know that, and I doubt you'll be back to fill in the blanks..

That sounds particularly vindictive considering the OP was at least trying to do the right thing. Lesson - don't bother leaving a number next time, great Policing.

As someone who had my car crashed into and potentially written off (even though it is just over a year old) outside my house by someone who simply drove off, this attitude sickens me tbh.
The police very much should be involved. I have been the victim of a crime and I'm potentially hundreds of pounds out of pocket and even though there was a witness, the driver denies (s)he was involved. Frankly, I hope the police do prosecute him - he or she, after all left the scene with my car very badly damaged with no thought for how dependent I am on that car or if I have a disabled child (I do) or if I need it for work.
Why the hell wouldn't the police be involved?

It is So worth spending an extra few quid a year on protected no claims. I recently reversed into someone’s car, whilst he was in it. The annoying thing is he wasn’t going to ask anything of me but I insisted We exchanged numbers and said we’d sort it without insurance , until the next day when he asked for a ridiculous amount of money for the damage done. So I told him to go through insurance. I haven’t claimed on my car but explained to my insurers what had happened. I have no excess to pay, I keep my 11 year no claims and my premium won’t rise next year.

Insurance premiums don't necessarily go up with a claim. I made a claim last year, my premium's gone DOWN.

It was my fault too.

What will you do if you have a bigger accident/crash? You won’t be able to pay cash for that.
That’s the point of insurance.

Yeah.. so someone ‘scratched’ my car a few years ago and didn’t want to involve the insurance company. Luckily I had their reg number. They offered me £300 to fix it. Thankfully I got their reg as they were insured and it cost over £1000 to fix (I got 2 independent quotes out of interest to check insurance weren’t on a jolly). So, no I wouldn’t deal with it outside of insurance ever..

winnerwinnerchickendinner10000

At least you left a phone number, better than the asshole who left a horrible gouging "scratch" on the hood of my previous car about a month before I was going to sell it.

Also, no most people IRL aren't as perfect as they pretend to be on MN. There's a thread dedicated specifically to the MN vs RL discrepancies.

Somebody " lightly scratched" my new car - they didn't leave their number and it cost me £300 to repair. Fuckers.

As someone who had my car crashed into and potentially written off (even though it is just over a year old) outside my house by someone who simply drove off, this attitude sickens me tbh.

FFS! OP left a number and was trying to do the right thing, unlike the nobhead who hit your car - why is it so hard to see the difference?

Holy caramba.

you ABVU it's not down to you whether he goes through insurance or you pay him cash. You damaged his car you don't sound sorry and you want to dictate to him your way and you didn't leave your full details.

If I were him I'd contact the police and get them to trace you via cctv.

I live on a terraced street that has signs either end its a play street, which means its only supposed to be used by people who live on it between sunrise and sunset. The very next street over is a major road. This time last year a man in his works flat bed came racing down the street and took our passenger side mirror clean off. If it weren't for the fact my dad had only just parked and was still in the car, he would no doubt have just left. He tried to anyway, claiming he was late picking his grandson up from school (something he shouldn't be doing in his works vehicle anyway) and tried to just leave saying he'd get in touch. He then did leave, but after at least giving his name and saying our next door neighbour knew him. Thankfully he did and we got his phone number from him. He was desperate to do it cash not through insurance as he shouldn't have been on the street or running an errand in his works vehicle, but he also tried to dictate how/where we got it fixed. He honestly asked why we couldn't just get a new piece of glass put in by the handyman type guy who works on the local highstreet on the cheap, even though all the electrics in the mirror were trashed so no anti mist heating or ability to adjust mirror position anymore. He honestly expected us to just take £40 or so, when the fix by a garage was quoted at almost £300.

I accidentally scraped a car in our local supermarket car park and left a note with my name, reg, number and insurance company on the windscreen of the scraped car.

I felt so guilty that I called our local police station who said I’d done the right thing as not declaring the incident with 24 hours can be classed as a hit and run.

We had to go through insurance companies due to the other car being a company car, but I was informed by the police that all incidents, including minor scrapes, should be declared to insurance companies regardless of whether I was to claim, as if for some reason my insurance company found out and I hadn’t declared it then my insurance would be void.