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AIBU?

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driver reversed into me - refusing to pay for repairs

113 replies

lifeisacarcrash · 20/03/2026 08:58

A man reversed into me the other day. I parked behind him, a normal distance away. He went to pull out and didn't look in rear mirror, and revved up his lamborghini and crashed back into me. He has damaged my front bumper and grill.
It was caught on dash cam, he admitted full responsibility in writing and didn't want to go through insurance.
I got two quotes to get it repaired, agreed to go with the lower one but he's now refusing to pay it saying my car isn't worth as much as the quote. Fair enough it isn't, but it's my car, that though ancient was in good repair, and now the front bumper is cracked.
If I go through insurance it will be written off as it's so old and not worth as much as the repairs would cost. It is still completely drivable.
I just find it so frustrating that this man can basically get away with making a mess of my car and walk away from it and though it shouldn't matter I do find it particularly galling that if he's driving a Lamborghini he's clearly not short of a penny.
Any advice?

OP posts:
hcee19 · 22/03/2026 08:19

Threaten him with going through the insurers. I maybe wrong but l wonder if it was even his car? The only problem being, if you go through the insurers, your insurance will increase too. Even though it was not your fault, they see you as a risk. Extremely unfair but that's how they operate these days. Also if your car is a write off, you will never get what you think you may get, they rip you off there too.There needs to be legislation about car insurance, because we have to have it, they can do what the hell they like...

Daisythepussycat · 22/03/2026 08:45

prh47bridge · 22/03/2026 07:28

OP has already got her own quotes to get her car repaired. She wants the other driver to pay the full cost of repairs even though the cheapest quote is more than her car is worth. Regardless of whether she involves insurance, the most she will get is the value of her car. If she insists on getting it repaired, she is going to have to make up the difference herself.

Yes, but that’s a webuyanycar quote - bottom trade price. They offered us £200 for an Audi we sold a few weeks later for £2000.

prh47bridge · 22/03/2026 09:27

Daisythepussycat · 22/03/2026 08:45

Yes, but that’s a webuyanycar quote - bottom trade price. They offered us £200 for an Audi we sold a few weeks later for £2000.

Well done. You will always get more from a private sale than from webuyanycar., but the difference is not usually anything like that much. WBAC typically offer prices that are close to or slightly lower than the trade-in value of the vehicle. Given the information OP has given about her car (nearly 200,000 miles on the clock, ancient and dented), it is unlikely that it is worth more than the cost of repairs. She herself thinks it is only worth a few hundred at most.

BringBackCatsEyes · 22/03/2026 09:31

hcee19 · 22/03/2026 08:19

Threaten him with going through the insurers. I maybe wrong but l wonder if it was even his car? The only problem being, if you go through the insurers, your insurance will increase too. Even though it was not your fault, they see you as a risk. Extremely unfair but that's how they operate these days. Also if your car is a write off, you will never get what you think you may get, they rip you off there too.There needs to be legislation about car insurance, because we have to have it, they can do what the hell they like...

It’s not a “threat” to go through insurance, it’s what you are legally obliged to do.
Also, ime you do get the current market value of the car, there are regulations.

prh47bridge · 22/03/2026 09:52

BringBackCatsEyes · 22/03/2026 09:31

It’s not a “threat” to go through insurance, it’s what you are legally obliged to do.
Also, ime you do get the current market value of the car, there are regulations.

No, you are not legally obliged to go through insurance. However, you are contractually obliged to inform them of any accident.

Re car values, insurers use industry guides such as Glass's and look at similar vehicles for sale to determine the market value of the vehicle. What they offer is therefore the average price for that model given its age and mileage. Owners can argue for a higher value if they can show that the insurer has got it wrong or that their car was worth more than the average (e.g. it was in much better condition than you would expect). But many people complaining about insurance payouts for write offs simply had an unrealistic view of the value of their car.

user1480870781 · 22/03/2026 10:24

If you go through insurance your premium can still go up even if it’s not your fault. Insurers often see non fault accidents as an indicator of higher future risk and load you accordingly. If possible I would keep the insurance companies out of it unless it’s a very large claim.

PoppySaidYesIKnow · 22/03/2026 10:26

Go through insurance - I got money for the write off plus the car back. I got it repaired and carried on driving it (you have to let DVLA know).

Yardbrushes · 22/03/2026 10:46

Did the shock of him banging into you hurt you by any chance!

Stolengoat · 22/03/2026 13:12

Go through the insurance. Your car may get written off but you can buy it back from them and your car will probably not even leave your possession. The cost of buying it back will be very low and they will just deduct it from the payout.

zingally · 22/03/2026 13:42

Similar happened to me last year, except I was stationary at traffic lights and a woman about my age drove smack into the back of me. She spouted some garbage at the scene about getting her pedals mixed up, but in hindsight, I suspected she was fiddling with her phone or radio.

She wanted to sort it between ourselves. I did consider it, but in the end decided to go through the insurance. In hindsight, I'm glad I did, as it removed the hassle of me having to sort a repair myself, and going through the whole "will she, won't she" in regards to payment.

As it was 100% her fault, I had zero qualms about her premium going up.

dh280125 · 22/03/2026 14:03

Get your insurance involved. Tell them the exact story. They will sort it.

GargoylesofBeelzebub · 22/03/2026 14:48

Stolengoat · 22/03/2026 13:12

Go through the insurance. Your car may get written off but you can buy it back from them and your car will probably not even leave your possession. The cost of buying it back will be very low and they will just deduct it from the payout.

This is what my dad did. I would tell the other driver to pay up or you got through insurance. That might get you somewhere

Katie0909 · 23/03/2026 15:38

Report it to your insurance company. They will claim it back from his insurance and it will go down as non blameworthy on your part so won't affect your insurance premiums. He is taking the mickey and hoping you won't pursue the matter so don't let it drop.

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