Lady of Facebook marketplace crashed into my car?

[fugginhell]

Sold something on Facebook yesterday, when I was speaking to the lady I noticed her car rolling into mine.

At first I wasn't to bothered as it's not bad but I'm thinking it's only going to devalue my car if I don't get it done.

She said she doesn't want to claim of her insurance but I've sent her two quotes roughly around the same and she's asking for more quotes. She didn't realise it was going to cost so much (£200) her words.

I feel bad but it's not my fault AIBU?

I never understand why people are reluctant to go through their insurance companies. That's what we pay our premiums for! Just let your insurers know OP and they'll deal with it.

You don't need to check anything. Just inform your insurance company.

Lady of Facebook marketplace, she sounds very regal indeed

In all seriousness though I hope you get this sorted OP!

Very occasionally my dad (who runs a fleet of vans) has offered to pay for repairs direct rather than going through the insurance when one of his drivers has had a prang as it affects premiums.

BUT he offers to go through a reputable repairer and if the other party insists on insurance then that's fine too. No quibble.

This sounds suspicious.

@AdobeWanKenobi Not always, a guy crashed into my car, completely at fault and wrote of my car. None fault claim on my end, didn't affect my no claims or my premiums. In fact my insurance went down weirdly enough by £21 with the same company when it came to renewal.

She's probably uninsured.

I thought it was a modern day ennobling too!

Call your insurers, give them her reg plate & leave it up to them. It's what you pay them for.

Do\ you have her details and her car reg?
If so, I'd now just go through the insurance company - call yours and it will get the ball rolling.

Two quotes, both similar in cost, is enough.

If she's already started with the sob stories and 'bullying' claims then I wouldn't trust a cheque, or invoicing her afterwards.

I'd say cash payment by x time or insurance, if you really feel you need to give her an extra try. And then call your insurance.

I would report this online to the police so you have a crime reference number. This can be shared with your insurers. Leave them to deal with her

[quote crazymicrowave123]@AdobeWanKenobi Not always, a guy crashed into my car, completely at fault and wrote of my car. None fault claim on my end, didn't affect my no claims or my premiums. In fact my insurance went down weirdly enough by £21 with the same company when it came to renewal.[/quote]
It's still declarable for the next 5 years and by the time you've factored in any excess and the chance of it increasing premiums I'd get it fixed for £200 and take it through small claims.

I’d give her one more try and then insurance.
It is better for you without the claim

@maddening

Is it just scratches? If so have you tried chips away? They are probably around £150.

yep this - i have just had massive scratches fixed on my car (multiple scratches caused by a low hanging chain - ugh) and it was £205

Chips away are brilliant - I had 4 people hit my car in one bloody year! I’m never having a black car again.

This sounds suspicious.

Of course it isn’t. She doesn’t want to affect her NCD, or tell her husband, or her excess is high. Lots of reasons not to go through insurance.

If she's a carer she must have her car insured for business use.

@BSideBaby

If she's a carer she must have her car insured for business use.

Maybe she should, maybe she shouldn't we can't possibly say but either way you can't conclude that she must have it. Isn't the uninsured driver rate around 20%?

Go via insurance
Don’t mess about

Ring yours today

Go through your insurance. If you don't, they can cancel it - although that tends to happen more to the person who caused the accident! Still, go through the insurance. It's the only way to deal with it, really. Also do it within 30 days.

Use insurance. If you don't, then even if she pays for repairs, you won't be covered if the repairs aren't enough, or go wrong, and more work is needed. Her insurance should cover it.

The ideal scenario is that you claim direct from her insurers rather than you pay your excess , which could well be close to the cost of repairs.

Of course it isn’t. She doesn’t want to affect her NCD, or tell her husband, or her excess is high. Lots of reasons not to go through insurance.

She won’t be paying the excess on a third party claim.

@Twentypast

Have you checked she IS actually insured?

My thinking too.

I’d prefer to go through insurance and not have to deal with the aggro

@BarberQueue

I never understand why people are reluctant to go through their insurance companies. That's what we pay our premiums for! Just let your insurers know OP and they'll deal with it.

Because you lose your excess and your premiums go up. It’s bloody galling when it’s not your fault.

@fugginhell

She's feeding OH a sob story now that she's a carer and she feels she's being bullied. We messaged her once yesterday and she said she would get back to us. He contacted her again this morning and she's saying it's only a scratch she has real problems.

I've told OH to not even bother going back and fourth just go through insurance l it's a waste of time. She wants us to get it done then send her the invoice!

You're doing the right thing. 100% insurance job.

If you haven't got her details, tell her that if she doesn't provide them by 5.30pm you'll report it to the police.
If you have got her details just pass them to your insurers.