Neighbour roof and new car

[Advicespls19]

Advice please I’m really stressing. Due to the bad weather last night the neighbours roof fell down and debris fell on our new car! Less than one month old car on PCP for 4 years. There is no real damage apart from a tiny dent in the passenger door. It’s very small and only can see up close.

what do I do? I spoke to neighbour and he said I don’t claim through him I claim on my home insurance or I should take it to a car garage that specialise in car dents. He’s a really lovely guy and I don’t want to fall out over this with him so I’m looking for advice on what to do. Can this be easily fixed? The dent is tiny probably half the size of a 5p coin

@BIossomtoes@Kingfisherflythats just it tho, it’s hardly a crisis (simple convo, get a quote and I’ll sort it. Done) and its part of what he’s already dealing with, no?

OP that makes me wonder if he already raised it with his insurance as part of the claim and they’re the ones who said to raise it with your insurance?

No. If I were him and my neighbour approached me about this my response would be two words - the second one would be off. It’s like asking someone whose leg has just been amputated to care about the paper cut on your finger.

I imagine he hasn't offered to pay, because he's not liable, since he's not responsible for the lightning which was the cause of the damage.

This is on OP to fix (or choose not to). Officially OP should probably report it to her car insurance, but they won't pay out as lightning is an Act of God, and they'll possibly put her premiums up regardless.

Leave it alone until the end of the lease period. I badly scuffed an alloy on high kerb, the car was brand new. By the time it was handed back to trade in, the amount deducted for refurb was far less than what I’d have paid a different company at the time.

Exactly! The poor neighbour has enough to worry about and sort. I can’t believe OP even mentioned it to him.

I worried about my first new car like you ok but honestly little rents and scratched are not taken into account when you hand them back. They should have given you a leaflet explaining what they don't count. See if you can find it to set your mind at ease

I don't understand why anyone thinks he should pay for repair.

You insure your own property whether that is a car or a house. You raise a claim with your insurance who will decide a)whether to pay and b) if tbey think tbere is liability will claim off the liable persons insurance.

You are lucky the lighting didn't strike your house/car.

It’s unlikely you’ll had it back anyway, you’ll probably trade it in so the “wear & tear” element won’t come into it. The difference that a tiny dent is likely to make to a trade in price really isn’t worth worrying about.

My husbands reaction is making me very upset. He’s been calling me names and swearing at me and saying he’s told me a hundred f’ing times to not park car on driveway. I just told him he can’t even see the dent (I haven’t shown him where in he car and he can’t find it!) so not noticeable at all. I just told him he’s lucky our roof didn’t fall down or the car windows weren’t smashed to which he’s screaming at me telling me to fuck off. How am I supposed to go to work with all this atmosphere. I really hate him and want to leave. All yesterday I’ve been filled with anxiety because I know he will kick off which he has for the 4/5th time since yesterday

Truthfully the car is a non issue and I feel sorry for neighbour but it’s husbands reaction upsetting me. Are all Autudtic men like him? He has so many mentions and when I react to him he calls me names. He’s never calm to have a conversation with as he gets back to the angry stage

Well I wouldn't be putting up with that for a start. How dare he talk to you like that. No wonder you have anxiety and depression if he speaks to you like that, on a regular basis I take it? Autism and OCD doesn't mean he can do that.

Yeah so you have a husband problem not a dent in the car problem.

This isn't the only thing he is controlling and OTT and abusive about, is it? Be honest with yourself when you think about that.

Yes, you definitely have a husband problem. OCD and autism , even if both are fully diagnosed, are absolutely no excuse for that sort of behaviour. I really feel for your kids, think of how much they must be walking on eggshells to appease him! A ten year old car with three kids being immaculate is not something to be proud of, it’s desperately sad. Please consider this relationship.

Your neighbour is correct. Their house insurance won’t cover you in this situation as it’s an act of god.
With a lease car or one on PCP, if you return the vehicle at the end of the contract it will be examined for excessive wear and tear. You will be charged a lot if there is any found. I always lease as do my family. We send our cars to a local garage just before it’s due to be returned and they fix any dints or scratches, which costs us a couple of hundred £s. We also have it valeted completely. So it goes back in good condition and we’ve never been charged.
Don’t panic about a small dint, it’s easy and cheap to repair - do t bother with house insurance as it’s will affect your premium.

Probably because when it's returned on a PCP deal they'll want an extortionate amount for the repair.

It can't be that difficult to understand that the OP doesn't want to be out of pocket down the line

They won’t. The cars returned on our PCP deals have barely been glanced at.

a drunk man drove through my mum’s garden wall and made a lot of damage. She had to claim on her own insurance, (they claimed off the other man). She didn’t have to pay an excess.

Your husband sounds like my ex wife

It has been suggested to me that she was either/and autistic and a narcissist.

I am not qualified to give a diagnosis unless 'Complete Shit' appears in the standard diagnostic manuals

Check your car insurance OP.

As the damage was caused by lightning it would count as storm damage and iirc car insurance normally covers that. My friend's car was damaged by falling branches in high winds, and the insurer paid out without quibbling.

Im not surprised you have anxiety and depression when you live with such horrible man. No wonder you are so emotionally dysregulated, you must be walking on eggshells all the time trying not to make a mistake. You know this is emotional abuse right?

And to answer your question, no not all autistic men are like this, and even if they were, it wouldn't be an excuse or make it OK for him to behave in this way.

As a matter of urgency, tell the insurer of your car. They will claim from your neighbour’s home insurance company.

if it was my car, I’d claim. I don’t want dents in my car. Even small ones.

This.
And it won't be the only dent by then x

You claim off his home insurance not yours, it will fall in with his own claim to his insurance company or you can call your insurance and they will check who he is with and contact them direct, but ultimately his insurance pays out

In that case there was clear negligence, so the drunk drivers insurer would have paid the third party (your mum) for. They might well have then pursued their insured for their costs because he was drunk. In the OPs case she’d have to prove that her neighbour has been negligent. There was nothing he could do to control the lightening, and as houses in the UK are not required to have lightening conductors there’s nothing to pursue there either. So the OP either claims on her own car insurance or, if it really is that minor, leaves it. Meanwhile the neighbour needs to fix the roof before it rains, if the house is even still habitable!

Imagine if your house had been struck by lightning and you had lost your roof.
Now imagine your neighbour fancying about over a tiny dent in his new car.
Which is the bigger problem OP? Which would you prefer to deal with?
You are massively over reacting.