Both Cars parked apparent hit issue

rodenal · 21 Dec 2015 at 11:07

cheesyboy said:
Don't want to reverse in at the supermarket - can't get your trolley to the boot.

Or a pram/buggy

Greebo · 21 Dec 2015 at 11:19

norm said:
Thing is a car door ding won't necessarily show as any kind of damage on the paintwork but it can still leave a dent in the panel which shows if you look at it from an angle.

Tbh though it's a fact of life you leave your car at the mercy of others when parked in any car park.

Yep which is why my old boss always takes up two parking spaces in supermarket car parks

Basher · 21 Dec 2015 at 11:30

Greebo said:
Yep which is why my old boss always takes up two parking spaces in supermarket car parks

I would suspect people that do that get their car damaged more than those that don't.

LiE · 21 Dec 2015 at 11:57

It's possible you did hit it, but it didn't leave a mark. A gentle tap doesn't actually mark the paint.

Having a crying child probably change how you would have normally handled this situation. lol @ the keyboard warriors saying they would have started swearing - I guess you don't have kids?

Haggisman · 21 Dec 2015 at 12:04

anticonscience said:
The driver door does not align to hit the other car under the wing mirror.

True! Although it looks like the rear door would possibly hit the mirror before coming into contact with the car itself, had to tell from the angle.

OP hasn't posted since 20:46 last night... The guy obviously got his address

insane200 · 21 Dec 2015 at 13:01

Dale V said:
You will have hit his door.

You can 100% confirm that then as you were there :confused:

I have two small kids and when ever i open my door i hold it with my hand on the widest part so it doesn't touch the other car.

PooKer · 21 Dec 2015 at 14:48

clearly hoping you'd just hand over £50 so he could pay for his shopping trip. Did you get his insurance details?

TheVoice · 21 Dec 2015 at 15:27

Haggisman said:
OP hasn't posted since 20:46 last night... The guy obviously got his address

OP probably volunteered it along with his insurance details.

VincentHanna · 21 Dec 2015 at 17:20

Not being funny, but insurance would have a minimum compulsory excess of more than £50.

GeX · 21 Dec 2015 at 17:44

Why is that funny? It isn't, nor is it relevant as he'd be claiming on the OPs insurance so there'd be no excess.

Slam62 · 21 Dec 2015 at 17:49

GeX said:
Why is that funny? It isn't, nor is it relevant as he'd be claiming on the OPs insurance so there'd be no excess.

He doesn't mean he is being funny in anyway, he kind of means he's not being deliberately odd,

I don't think the insurance would be interested do you?

GeX · 21 Dec 2015 at 18:01

I do not.

VincentHanna · 21 Dec 2015 at 18:44

You still have to pay the excess, even if it wasn't your fault and you are claiming against another persons insurance...

That's what excess is for, to discourage small/frivolous claims.

Drangueos · 21 Dec 2015 at 20:25

VincentHanna said:
You still have to pay the excess, even if it wasn't your fault and you are claiming against another persons insurance...

That's what excess is for, to discourage small/frivolous claims.

I think you are wrong, excess is the amount you pay towards your own repairs or claim.
On my scooter I have 3rd party only and I don't have an excess, but a £100k limit.
But your premium will go up when you renew your insurance.

Haggisman · 21 Dec 2015 at 21:02

VincentHanna said:
You still have to pay the excess, even if it wasn't your fault and you are claiming against another persons insurance...

That's what excess is for, to discourage small/frivolous claims.

I'm afraid that's simply not true. If I was to drive into you, if it went 100% in your favour then you wouldn't have to pay a penny* towards the claim.

Likewise, if I was to drive into you and not claim for my own car, then I wouldn't have to pay a penny* towards the claim.

I would only have to pay the excess if I wanted to claim for MY car, and either way, YOU wouldn't have to pay.

* however it would (probably) affect both our premiums for the next 5 years, so we would have to pay for it indirectly.

Simon · 21 Dec 2015 at 23:50

How long has Aldi had a swimming pool? His finger looks soggy

MooMoo444 · 22 Dec 2015 at 07:56

Haggisman said:
I'm afraid that's simply not true. If I was to drive into you, if it went 100% in your favour then you wouldn't have to pay a penny* towards the claim.

Likewise, if I was to drive into you and not claim for my own car, then I wouldn't have to pay a penny* towards the claim.

I would only have to pay the excess if I wanted to claim for MY car, and either way, YOU wouldn't have to pay.

* however it would (probably) affect both our premiums for the next 5 years, so we would have to pay for it indirectly.

Depending on insurer you might still have to pay the excess first, even though is refunded later, learned hard way - was a difficult month!

Haggisman · 22 Dec 2015 at 08:48

MooMoo444 said:
Depending on insurer you might still have to pay the excess first, even though is refunded later, learned hard way - was a difficult month!

Isn't that only if the liability is disputed though?

GinG · 22 Dec 2015 at 09:38

Simon said:
How long has Aldi had a swimming pool? His finger looks soggy

Just finished with Doreen the cleaner round the back.

Abyss · 23 Dec 2015 at 14:34

MooMoo444 said:
Depending on insurer you might still have to pay the excess first, even though is refunded later, learned hard way - was a difficult month!

Only if you choose to use your own insurer to manage the claim against the third party and as you state it gets fully refunded. Anyone who does 30 seconds research before hand will realise that in almost all cases non fault claims should be dealt with through the third parties insurer directly as opposed to using your own insurer to manage it.