To be so fuming at neighbour!!

[rickandmorts]

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!

Snap!

DP is making a claim under his insurance, though. That will cost him his excess probably and also means his premiums will go up next time because he will have to declare making the claim.

@Barrenfieldoffucks @Allofaflutter he asked that on the phone actually. They have to do some checks or something (not really sure I'd tuned out by this point!!) and will let him know in 14 days. It would be really good if we could though, then he can just buy a 2nd hand bonnet and grill and get it fixed. And like you say we'll probs end up with a little bit of money left over. But our luck is terrible at the minute so not holding out much hope 😂

I’m confused about people saying you won’t need to pay the excess. We had a non fault claim 2 years ago and had to pay the excess up front but they then claimed it back from the other insurance company. Another non fault claim in December last year and again had to pay up front before the garage would let us have our car back. Still waiting to hear whether we’ll get our excess back. I always thought the excess was paid no matter who was at fault?

@HollyKnight yeah but going through insurance was the right thing to do in this situation. We don't trust her to pay is out the full amount. So yeah it's a shitty situation and very annoying. Hopefully his policy has protected no claims so it doesn't go up

There are accident management companies that will sort the repair and a hire car and claim everything back from her insurance, nothing needs to go through your DP's insurance and you don't have to pay the excess if you do it that way

Yeah when my car got written off by another arsehole last year I had to pay my excess up front. Well it got taken off the final value of the car that the insurance paid me out for. I'm also still waiting to hear back if I'll get it back! Because it's most likely going to court (if his insurance don't settle before)

He could have gone through her insurance like many people said. It wouldn't have cost him anything or affected his premiums or any no claims discount.

She needs reporting and being banned of driving.

The whole neighbourhood needs dash cams and ring doorbells or whatever they are called.

I would be tempted to post on the local fb anonymously has anyone had a car damaged in the village? Pm me.

Drop her right in it!

@HollyKnight literally everyone said report to our insurance. I've copied someone's response below. But everyone else said report to ours. Which we've done and they're claiming it off hers..

No he claims against her insurance! Not his own. So no excess to pay! Claim claim claim. You phone your insurance company and they claim it against hers. Get a text/email etc something from her so you've got evidence if she tries to deny it later. Get a ring doorbell/camera that covers your cars for any future issues too.

Your right to be raging! I had this happen to me, my car was parked outside my parents house in their space and I came out to find the side and wing of my brand new car stoved in. After much investigation we found a neighbour further up the road had caught the incident on CCTV.

It was a neighbour opposite reversed off the drive hit my car, got out to have a look, checked their own car for damage and drove off.

I downloaded the footage onto my phone and showed her husband who had arrived home before her and said she either comes and sees me to explain herself or I go to the police.

Naturally she claimed she was going to come and tell me, that she had problems all the usual crap. I laid money on her thinking she got away with it and that's what I find disgusting that you would damage someone's car and drive off. The final bill was £8000 including hire cars for two weeks, new wing, new door and to replace the walnut trim inside

🤣🤣🤣

Insurance is right thing to do, and she’s definitely damaged other cars and not given a shit !

@Tara336 that's awful!! 8k of damage too that she'd have happily left you with had she not been caught. That's the thing it's just such cunty behaviour to try and get away with it 😭 I get that accidents happen but you always have to do the right thing! A few weeks ago a cat got into our garden and one of the dogs chased it. I was pretty sure they hadn't bitten it or anything but I still went and told the owner so they could check their cat over properly when it came home because I just felt it was the right thing to do. I just really hate people sometimes. A few years ago our chickens got attacked by a dog and we saw on cctv the owner look round, get the dog and fuck off. I came back to 3 dead chickens and the rest traumatised. Horrible.

People are saying that because officially you are supposed to report every incident. This is so insurance companies can reassess your risk and increase your premium. When someone hit my unattended car, I just got her details and took my car to an accident centre who then claimed against her insurance for repairs and a courtesy car. It cost me nothing. I didn't have to talk to my insurers once.

@HollyKnight okay thanks, at least I know that for when someone writes off mine or DPs car again but it's too late for this particular incident 🥲

They should still be able to claim from her insurance. Someone hit me from behind at a roundabout and they claimed off his insurance didn't cost me a penny. I did speak to my insurance about it. The guy did admit full responsibility though. Maybe your neighbour isn't doing that

@Laurama91 she has admitted it! So yeah shouldn't cost dp anything but I'm not sure about the excess. I'm already fed up of thinking about it 😂 I'll ask him tomorrow about it and maybe he can ring up on Monday.

This isn’t correct. You still are obliged to report to your insurers even if you don’t claim.

And this is why women end up doing too mich… because @rickandmorts you’re all het up over someone else hitting someone else’s car.

Thanks @MsFaversham

@MzHz not sure I understand your comment? That someone else is my DP and it directly impacts me 🤣 I'm not angry over some random occurrence that has no bearing on my life... I have a reason to be pissed off!

That's what I said. You're supposed to report every incident. But you don't have to talk to them directly if you are claiming on the other person's insurance.