Page 4 | Lady of Facebook marketplace crashed into my car?

fugginhell · 2021-07-19T21:01:21+00:00

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?

BrightYellowDaffodil · 20/07/2021 15:20

As an ex-insurance person:

Excesses will depend on whose policy pays up. If it's yours (because you have claimed on your insurance policy, and your insurer reclaims their losses from Facebook Lady's (FL's) insurance, you'll get your excess back as long as they claim it on your behalf. If it's FL's policy that pays out straightaway there won't be an excess. It's only ever an excess on your policy.

Claims don't always affect your premium - it depends on the insurer/their underwriters/the nature of the claim - but it can affect your NCB if you have claimed on your policy. If you've claimed on someone else's policy, your NCB will be unaffected because, like excesses, it only counts if it's a claim on your policy.

FL sounds like a chancer. Hand her over to your insurance company and let them deal with it.

NineteenForever · 20/07/2021 15:41

Excesses in UK only apply to your own damage not third party damage.

Op, I work in motor claims and tell clients if the other party says they'll pay and hasn't paid you 7 days after the quote you provide, they won't ever pay. Ive only ever seen a few repairs paid by third parties.
And £200 is a cheap car repair. How anyone thinks a repair can be done for £20 and a lollipop, I have no idea.

Noshowlomo · 20/07/2021 15:49

Insurance insurance insurance. That’s what you pay it for !

RedMarauder · 20/07/2021 16:05

@Blossomtoes not necessarily.

My insurance stayed the same for 3 years on my old car when someone went into the back of me. Then the insurer decided I wasn't their target market so I went elsewhere.

MadeForThis · 20/07/2021 16:34

She won't pay. She's already saying it's just a scratch and it's not a real problem.

Go through your insurance.

IveGotASongThatllGetOnYNerves · 20/07/2021 16:46

I'd message back saying fair enough, I'll go through insurance rather than bother you again. I'm sure they'll be in touch shortly.

BarberQueue · 20/07/2021 18:59

@Blossomtoes You still have to declare any accidents when you renew even if you're not at fault and even if you've not involved insurance companies. That will likely affect your premiums so you may as well go through insurance in the first place.

ForeverSausages · 20/07/2021 19:07

If she's said (in messages) that the quote is too high that's her accepting involvement in the accident. However, if she claims her handbrake failed (you've not said) then she can dispute liability based on no negligence. Also, if she's not insured to drive the vehicle indemnity will be withdrawn (by the car she was driving insurers) and whilst it'll still not be your fault it can be a bit of nightmare for her insurers to get the money back and it's a fault claim until recovery is made. If I'm honest for the cost, I'd probably just pay for it myself (although I agree you shouldn't have to). Also, I know you're supposed to tell your insurers of ALL incidents but really who does? I knocked my own wing mirror going onto my drive. Did I call my insurers? Nah.

Blossomtoes · 20/07/2021 21:20

[quote BarberQueue]@Blossomtoes You still have to declare any accidents when you renew even if you're not at fault and even if you've not involved insurance companies. That will likely affect your premiums so you may as well go through insurance in the first place. [/quote]
In theory. I doubt many people do.

dottymac · 20/07/2021 21:24

Ooft, this is exactly what the person who hit our car said - 'we threatened her.....they can't pay.....they'll fix the damage themselves..we pay then to send them the invoice.....nip this in the bud pronto! Mark my words - they'll be threatening you with police and lawyers next and then blocking your mobile number. Please learn from our mistake/kindness/weakness - contact insurance asap!

SilverGlassHare · 21/07/2021 09:23

@Hallyup6

At £200 I should imagine her excess won't be much less than that so it's probably not even worth claiming on her insurance. Give her a few quotes then she can take her pick, but she needs to pay.

She won't pay the excess, OP will have to pay her own insurance excess. Shocking and seems horribly unfair, I know, but that's what happened to me when I ran into someone at a roundabout - my car was undamaged and I didnt pay anything (though I lost my no claims and my premiums went up, of course!) and she had to pay her own excess.

SilverGlassHare · 21/07/2021 09:27

Maybe she managed to recoup it, I don't know - but I definitely didn't pay. On the other hand, I backed into our neighbours car on our shared drive (both on maternity leave, total baby brain, possibly shouldn't even have been driving now I look back) and we paid for that repair ourselves - £450.

Shade17 · 21/07/2021 09:44

She won't pay the excess, OP will have to pay her own insurance excess. Shocking and seems horribly unfair, I know, but that's what happened to me when I ran into someone at a roundabout - my car was undamaged and I didnt pay anything (though I lost my no claims and my premiums went up, of course!) and she had to pay her own excess.

She will have recovered her excess from your insurer. The best way to avoid this is to claim direct from the third party’s insurer when they are at fault, they have a team specifically to deal with this and will work hard for you so that you don’t use an accident management company. This generally also means you can choose you’re own repairer, in my case I asked for a BMW main dealer which they had no issue with. You just inform your own insurer that it’s occurred and you’re dealing directly with the other insurer. This only works when the third party accepts they’re at fault though.

Tinpotspectator · 21/07/2021 09:48

Someone on our road refused to give me their insurance details, so our insurance company looked them up from her car registration number. They have software for that.

yellowsubmarines · 23/07/2021 11:24

A boy maybe about 18 or so reversed into me in a large car park. I got out of my car to look at the damage and he sat in his car staring at me. I asked if he was ok? He said yes but he was in a hurry to leave. I said 'you need to give me your details first, you've just hit my car' and he said 'Oh, I don't have any details'. 'What do you mean you don't have any details? You must have a name, insurance, etc' He said 'no' and stayed sitting in his car. Eventually he gave me a made up first name and I took photos of him, his car, his registration number which he wasn't happy about. He claimed he didn't have insurance as he had only just gotten his license and it was his mother's car. Fortunately there was no damage to my car so I let the matter drop but I do wonder if I should have reported him to the police as I've since still seen him driving in the same car park and given the quality of his driving it wouldn't surprise me if he were to frequently drive and reverse into people and objects.

Comefromaway · 23/07/2021 11:33

Yes you should have reported him to the police and insurance company. It is an offense to drive a car on private property (such as a car park) without insurance without the explicit permission of the landowner which would never be given in a car park.

whynotwhatknot · 23/07/2021 14:54

@yellowsubmarines

A boy maybe about 18 or so reversed into me in a large car park. I got out of my car to look at the damage and he sat in his car staring at me. I asked if he was ok? He said yes but he was in a hurry to leave. I said 'you need to give me your details first, you've just hit my car' and he said 'Oh, I don't have any details'. 'What do you mean you don't have any details? You must have a name, insurance, etc' He said 'no' and stayed sitting in his car. Eventually he gave me a made up first name and I took photos of him, his car, his registration number which he wasn't happy about. He claimed he didn't have insurance as he had only just gotten his license and it was his mother's car. Fortunately there was no damage to my car so I let the matter drop but I do wonder if I should have reported him to the police as I've since still seen him driving in the same car park and given the quality of his driving it wouldn't surprise me if he were to frequently drive and reverse into people and objects.

yes report him-hes an uninsured driver hitting cars-what if its a child next time