Oh poo just had accident

rodenal · 13 Dec 2012 at 15:11

topshot said:
I know but if its enough to settle the incident without the hassle of insurance companies then thats what i would do.

My thoughts too, get them to sign something saying they have accepted this as recompense for the incident.

varial · 13 Dec 2012 at 18:04

Just a bit of a update, looks like i wouldn't be able to cover cost of repairs as they would be £150-£200 so would have to go through insurance which would obviously put my premiums up. No option of chips away where we live unfortunately.

spoke on phone and she says if i give her £100 then call it quits. She obviously doesn't care about the damage on such a old car and would rather have the cash. Will obviously get a receipt of payment to her and that should be all cleared up, what you think?

Fuzz · 13 Dec 2012 at 18:08

That's two tanks of fuel, how can you not afford £150 but run and maintain a motor car. :confused:

varial · 13 Dec 2012 at 18:09

Because i cant afford it? would u like a look at my bank statements lol.

Dave85 · 13 Dec 2012 at 18:47

Shock horror as someone doesnt have a spare £150 to £200 quid at christmas do you live in the real world Fuzz :confused:

OP if she is happy to accept it draft something up as suggested about it being clear this if for the damage in full.

Nickyyy · 13 Dec 2012 at 18:49

Just suck it up and pay it

If you go through your insurance you'll have to pay your excess anyway, plus your premium will go up for at least the next 5 years

Be grateful she's being so reasonable. You're lucky

Spartacus · 14 Dec 2012 at 05:44

If shes happy to accept 100 pounds give her that and get a receipt off her stating what it was for.

Cheers

StarmanUK · 14 Dec 2012 at 08:06

If you can indeed afford to pay her off then I'd suggest that would be best outcome rather than having to deal with the insurer.

Six6siX · 14 Dec 2012 at 09:34

Surely your excess will be more than £100 anyway so if they're happy with that to settle the matter outside insurance then it's a no brainer...

Shadez · 14 Dec 2012 at 09:55

Nickyyy said:
Just suck it up and pay it

If you go through your insurance you'll have to pay your excess anyway, plus your premium will go up for at least the next 5 years

Be grateful she's being so reasonable. You're lucky

Six6siX said:
Surely your excess will be more than £100 anyway so if they're happy with that to settle the matter outside insurance then it's a no brainer...

Why do people keep saying this nonsense! I will say this as clearly as i can.

YOU ONLY PAY EXCESS IF YOU MAKE A CLAIM ON YOUR INSURANCE. IF SOMEONE ELSE MAKES A CLAIM YOU DONT PAY ANY EXCESS.

Six6siX · 14 Dec 2012 at 10:04

Shadez said:
Why do people keep saying this nonsense! I will say this as clearly as i can.

YOU ONLY PAY EXCESS IF YOU MAKE A CLAIM ON YOUR INSURANCE. IF SOMEONE ELSE MAKES A CLAIM YOU DONT PAY ANY EXCESS.

That's really clear, and correct, thanks. The big text helped loads.

However, he (the other party) would be making a claim on his insurance since he is at fault and the excess would apply.

Shadez · 14 Dec 2012 at 10:16

Six6siX said:
That's really clear, and correct, thanks. The big text helped loads.

However, he (the other party) would be making a claim on his insurance since he is at fault and the excess would apply.

Its clearly not clear enough. I will try again.

YOU ONLY PAY EXCESS IF YOU MAKE A CLAIM ON YOUR INSURANCE. IF A THIRD PARTY MAKES A CLAIM ON YOUR INSURANCE YOU DONT PAY EXCESS.

Randomface74 · 14 Dec 2012 at 10:19

looks like a write off LOL

joesmith · 14 Dec 2012 at 10:21

Lol Shadez, I have had to explain this to a few people before as well. It is funny how people can't understand it even when explained as clearly as you have!

Six6siX · 14 Dec 2012 at 10:32

Shadez said:
Its clearly not clear enough. I will try again.

YOU ONLY PAY EXCESS IF YOU MAKE A CLAIM ON YOUR INSURANCE. IF A THIRD PARTY MAKES A CLAIM ON YOUR INSURANCE YOU DONT PAY EXCESS.

That's a bit clearer actually. I'd use more colours next time though and it might get through first time around

Seriously though, that's not something I'd have thought of before - a claim from a third party without a component from yourself - it's just I assumed that if the insurance policy is being claimed against, the damage/cost is severe enough that you would have reason to on your part as well.

edit: has the OP actually said what the damage was to his car?

apeksdiver · 14 Dec 2012 at 10:36

Six6siX said:
edit: has the OP actually said what the damage was to his car?

It seems he's not bothered about any damage to his, but is most likely justa scuffed bumper from the description of the accident.

varial · 14 Dec 2012 at 16:26

Yep i wouldnt pay any excess but obviously premium would go up with it being on my record. my car doesnt have a single mark!

AndrewNR · 14 Dec 2012 at 19:03

Just give the old lady her £6.50 light and £100.00? What's the major malfunction with this transaction?

Maz · 14 Dec 2012 at 22:05

Just get her a newer M reg Corolla and keep the £50 change from the £100 you're prepared to give.

Participant · 14 Dec 2012 at 22:41

That's a good offer tbh. Doesn't matter how old the car is, you owe her what it costs to return the car to the state it was in before you gamahuched it.