Neighbour dented my parked car and now I discovered

[connectseven]

over a year on that her insurance has put it down as my fault!

My neighbour knocked on my door and showed me the damage she did to my car. She wanted me to drive at my own expense to get it repaired at a place she said was cheap. She never offered a way I would get home or money for a hire car while it was being done. I said that won't work for me and I went to a place up the road and she said they were too expensive and she may as well just pay her excess, as it was £60 over her excess.

Because I presume didn't do exactly what she wanted me to do she began to pretend she was on the phone when I saw her and would not answer the door. I was trying to ask her if she had contacted her insurers.

I got her insurance details through the door and discovered she had not reported what she did and left it all to me to sort out. Her insurers kept saying she hasn't reported it and she would get in trouble for this. I tried to discuss it with her but like I said she would not answer her ring door and ignored me in the street saying she was in the phone.

I have now discovered over year on that the accident is put down as my fault by her insurers.

How the hell am I going to get this rectified. AIBU to think she didn't admit fault?

My insurer has it down as 4th Oct no fault and her insurer on my record 3rd Oct my fault. So it looks like 2 different accidents I think.

It took weeks to sort this out, as her insurers were so busy they phone wouldn't go through and I spoke to multiple different people.

I'm stumped on what to do my insurer won't help they said to contact hers but how do I prove anything now?

If your insurers are recording it as no fault and not upping your premiums why care? Insurers often decide between themselves who will pay. If it's affecting your no claims bonus or something then you send her insurers your proof.

I haven't got proof! She knocked on the door and told me what she'd done.

I care because I like incidents to be recorded correctly.

You need to get it sorted because if you change insurers if they do a search this claim will come up.

This is between the insurance companies.

im surprised her insurers will engage with you at all.

If you ticked legal cover on your car or home insurance then you can ask them anything.

it’s well worth the money at renewal.

Why is her insurance company talking about her with you? This seems very unprofessional of them. This is her private business with them.

It's not recorded in terms of 'fault'but in terms of 'claims'.

If you claim on your insurance to have your car repaired, your insurer will try to claim against hers to recoup their money.

Unless they get it back, it will affect any unprotected no claims bonus and negatively impact your renewal premiums for 5 years afterwards. None of this will happen if they recoup their losses.

Do you have any written records? Text messages? How did you find out her insurance details? The fact you have them proves some sort of conversation took place about the accident. Personally I'd go knock on her door and show her the correspondence saying she's not reported it and ask what her next steps are? Because you don't want this impacting your renewal premiums for the next 5 years.

I had this except my neighbours the other side saw him do it & look at it. I confronted them they lied through their teeth & said the neighbour were my friends & were lying. Insurance were just going to let it go but I was paying for legal cover I said to them they were in breach of contract for not pursuing , they did eventually go after them. Took a year eventually sorted. Any neighbours see them damage the car? Worth asking.

I found out a year later our non fault claim had been registered as a fault when we got denied insurance. Quick call sorted it out, humans just enter things incorrectly sometimes

And if you make an application for insurance and tell them you haven't had any accidents that were your fault. Then they come across this. They will turn you down for lying.

And then, when you apply elsewhre and they ask you " have you ever had insurance refused because you lied" they'll turn you down, too. ( Something like this happened to a friend.)

Best to get this sorted and recorded correctly. At the very least, find out what was recorded

Strangely this has happened to my neighbour across the road today im saving my door cam footage on the basis he might need it

If her insurers have this recorded as fault it will affect her premium and may affect bonus if she has another fault claim (loses protection) or did not have enough bonus to protect. It will only be recorded on the claims and underwriting exchange as your fault if this has been recorded as fault on your insurance policy. You should report every claim to your insurers and allow them to sort it or if you pay yourself you will need to record it as a notification only incident

I don’t understand how they can have recorded it incorrectly - did her insurers pay for your repair or not? If they paid, then how can they have recorded it as no fault on her part? And how do you even know how they recorded it?

It also seems a bizarre way to go about a claim. Once it was going through insurance, you should’ve notified your insurers and usually they arrange the repair and claim the costs back from her insurer - so it’s irrelevant to you whether she’s reported to her insurer or not, they would’ve got in touch with her pretty quickly

Janes rule states that once you find a mistake in an agencies output, then you are entitled to ask what other mistakes are waiting to be discovered.

Banks really hate it when you invoke it.

It's corollary is that if you don't care about a mistake, then why should anyone else ?

Banks love to invoke that part.

You could contact BBC three counties radio through their consumer programme. They’ve dealt with incidents like this before if you’re getting nowhere. You don’t need to live in the area, just the UK.