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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

To be so fuming at neighbour!!

111 replies

rickandmorts · 15/03/2024 21:26

Where we live we have to park on the road with our 3 other neighbouring houses (can draw a diagram if required but don't think it adds much to the thread). We've lived here for a few years now and generally it's been fine but had a few minor issues with one neighbour (not parking related). But all fine, nothing to fall out over and I always say hi.

This morning DP was just about to go to work when he witnessed said neighbour drive into his car then drive off WTF. He rang her and she admitted it then said she didn't know it was his car. She obviously knows it's his fucking car as we've lived there for 3 years and there's only 5 cars that park there! Plus if she didn't know whose car it was (as she alleged) was she not going to leave a note? It's caused a lot of damage and is just a massive faff we don't need right now. I'm just so glad he saw it happen because if he didn't then we'd have thought someone driving past had done it and would have to fork out ourselves to repair it and we really don't have the money right now. Aibu to be massively MASSIVELY fucked off with her? DP is a lot more chilled than me and is just glad she'll pay for it but I'm fuming!

OP posts:
NC03 · 16/03/2024 00:28

I would be fuming
I did hit my neighbours car, then debated what to do as it was 6.45am. Decided to knock and apologise profusely. I wrote their car off Blush mine was in the body shop for a good 4 weeks
So embarrassed!

JacquesHarlow · 16/03/2024 01:42

puzzledout · 15/03/2024 22:20

@JacquesHarlow is this a certain type of
accident 🤔

Oh god. I knew I would have to post the legislation in the end @puzzledout … why do you insist on telling people on here it is “not necessary” to inform the police?

here’s the details:

” If you are a driver involved in a road traffic accident which causes injury to another person or damage to another vehicle, property or animal, then you must stop at the scene of that accident to provide your details. In particular, you must provide your name, address and registration number to any person who would have reasonable grounds to ask for your details, for example, to the owner of another damaged vehicle or property. A driver who fails to comply with these obligations is guilty of an offence.”

so here’s the thing:

• The law says that the OP’s neighbour should have stopped and provided details . That’s the law.

• You, the OP’s neighbour, and many others, believe the law is completely up to interpretation, and the biggest imperative is protecting privacy or insurance premiums or whatever

• It is then up to the OP and those wronged like her, to enforce the law by tracking down who did it (which in this case she can track down due to a witness, but in many cases people have to appeal for witnesses on Facebook or Nextdoor because of CFs like the OP’s neighbour)

My point is… the law is in black and white. This is one of those certain circumstances.

kittensinthekitchen · 16/03/2024 02:29

@JacquesHarlow

Did you intentionally leave off the detail that it should be reported within 24 hours? Or was that just your interpretation of that law?

HollyKnight · 16/03/2024 04:36

How much is his car worth? If it's likely to be scrapped, I'd probably ask her for the cost to replace it, rather than go through insurance and have my premiums go up despite it not being my fault. Car insurance is ridiculous these days.

Fuzziduck · 16/03/2024 04:49

"Won't DP have to pay his £300 excess though? Or does her insurance cover it? When my car got wrote off last year by a driver on the wrong side of the road (we have NO luck with cars 😂) I still had to pay my excess. Which stung!"
No, you don't pay any excess. Covered by her insurance.

puzzledout · 16/03/2024 07:47

@JacquesHarlow gosh I knew it didn't say that the neighbour needed to log it on line with the police.

What made you say that the law said she needed to log it on line with the police?

Nothing in what you've posted. Mentions logging it on live with the police.

Whatevershallidowithmylife · 16/03/2024 07:51

Definitely go through insurance and you probably only have 24 hours to report to your insurance so on it this morning! They will likely write his car off and give him a couple of grand for it. He buy it back from them for a couple of hundred, gets it fixed and you’ll have a bit of spare cash left over. Crazy but that’s how it works!

touchyourtoesandnotyournose · 16/03/2024 08:51

Take a photo of damage to your car and to her car!

touchyourtoesandnotyournose · 16/03/2024 08:54

Don't settle privately. Go through the insurance. Maybe she's not insured?

When a similar thing happened to me my car was in the garage for nearly a week and the insurance company paid for a hire car. They picked my car up and dropped it off etc. she won't want to do all that.

Original poster
rickandmorts · 16/03/2024 09:05

Okay update, showed him this thread and he looked very worried 😂 the poor man just wants a hassle free life. But he is going through insurance!! Going to ring them now.

OP posts:
Damnyoureyessir · 16/03/2024 09:21

This happened to me OP and the guy admitted it but then backtracked when I had to go through the insurance. Damage just looked cosmetic but there was actually structural damage and it was written off as unsafe. His mate who owned a garage wouldn’t have told me that!

AdultFemaleWoman · 16/03/2024 17:09

rickandmorts · 15/03/2024 21:48

Won't DP have to pay his £300 excess though? Or does her insurance cover it? When my car got wrote off last year by a driver on the wrong side of the road (we have NO luck with cars 😂) I still had to pay my excess. Which stung!

Show quote history

If you tell insurance, they will charge you more next time

SonyaBoot · 16/03/2024 19:09

This reply has been withdrawn

Withdrawn at OP's request.

thingsineverthoughtidsay · 16/03/2024 19:38

I’m so glad he is going to report it. I had a similar situation, saw a neighbour hit my car and drive off, so I confronted her about it when she got home, and she admitted it and said she would sort any damage. The next time I saw her, I asked her about it and she became verbally abusive. So I reported it through the insurance company. Thank goodness I did as she moved out the following week and clearly had no intention of paying up. But her insurance paid for everything, it must have cost them a fortune.

Original poster
rickandmorts · 16/03/2024 19:48

Oh god why are people such arseholes! I swear we're not intelligent enough as a species to have the responsibility of driving cars 😂. Anyway I knocked on her door today to get her insurance details and she didn't answer the door lmao. But we reported it to insurance and they've wrote DPs car off. The amount they've given us for it isn't enough to buy another decent car so I'm hugely fucked off again.

OP posts:
MsFaversham · 16/03/2024 19:55

If the other driver is going to pay for all repairs you don’t have to make a claim but do need to report the incident to your insurers. An Uber driver hit me once and didn’t want to claim on his insurance. The police told me he could pay me direct, as I wasn’t sure, and driver transferred the money the garage had quoted for the repair. I reported the incident to my insurers. It didn’t affect my premium and I didn’t pay excess. What he did with his insurers I don’t know but imagine my insurers would have shared the info with his.

Allofaflutter · 16/03/2024 19:59

Always argue with insurance about the amount. I’ve done this and got much more when I asked them to find me the same car for sale with same features and same condition. And I threatened to take them to the insurance ombudsman.

Original poster
rickandmorts · 16/03/2024 19:59

We were going to go that route @MsFaversham but decided we don't trust her so just gone through insurance. Who've wrote his car off which we were expecting but it's very annoying nonetheless. As now he's carless until he buys something new and we've just spent our savings on doing our house up 🥲

OP posts:
MsFaversham · 16/03/2024 20:03

rickandmorts · 16/03/2024 19:59

We were going to go that route @MsFaversham but decided we don't trust her so just gone through insurance. Who've wrote his car off which we were expecting but it's very annoying nonetheless. As now he's carless until he buys something new and we've just spent our savings on doing our house up 🥲

I’m sorry her shitty behaviour has resulted in so much difficulty for you.

Original poster
rickandmorts · 16/03/2024 20:03

To be fair @Allofaflutter the price they gave us was decent to say the car has done a hell of a lot of miles. But it was a really good car and we were just running it until it died. So we could afford another similar car with a lot of miles on the clock but we'd have no idea of history and it would probably just be a money pit. Whereas with DPs we knew all it's history and it was a solid car 😭 we weren't planning on having to buy a car anytime soon and just cleaned our savings out doing up the house

OP posts:
Original poster
rickandmorts · 16/03/2024 20:03

Thank you @MsFaversham ❤️

OP posts:
HollyKnight · 16/03/2024 20:06

You really should have waited to see what the neighbour would have offered you. If your insurance is giving you money, does that mean you're going to have an excess now for not going through her insurance first? Your insurance is going to be so much higher next time now.

Original poster
rickandmorts · 16/03/2024 20:12

@HollyKnight neighbour said yesterday a few hundred quid should sort it. But the quote for repair was going to be a lot higher than that. Plus I don't trust her to actually pay the full amount and like people said, once we've gone down that route and she doesn't pay the whole bill then it's too late to go through insurance. DP gave his insurance company all her details so I presume they will claim the cost of DPs car from her insurance no?

OP posts:
Barrenfieldoffucks · 16/03/2024 20:15

If you like the car can you buy it from the insurers and get it fixed? You'd probably come out ahead.

Allofaflutter · 16/03/2024 20:15

Can you buy the car back from insurance?

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