What have you done to your car today?

Drove it too fast, hit my diamond cut alloy rear wheel hard against a kerb.

Then some stupid woman pulled out into the inside lane on a roundabout and blocked me off so that I couldn't take the exit, even though I had been indicating to exit.
 
Rainagul said:
Parked up my car at work today, came back and someone hit my rear widearch :(

Luckily they only took out the fiberglass section and didn't do any damage to the rear quarter, but I'm still pretty peeved.

Car looks odd now with half the arch missing, and I have no idea who did it

This has fast forwarded my plans to do the bodywork, and Ive just ordered a new ridox widebody rear end for the car.

Should look somewhat similar to this:

https://s-media-cache-ak0.pinimg.com/736x/78/42/b0/7842b02f8aabffddf44c1063e1a77872.jpg[/IM][/QUOTE]

Looks weird without a bit lairy wing on the back.
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Scraped and dinted the nearside front door and sill on a metal fence marking the edge of the trolley park in Tesco's car park. Nice.

Just got off the phone starting my first insurance claim since 2003. Marvellous.

It was low- just a cm or two above the bottom of the window and I'd forgotten it was there. Should have remembered it was there or noticed the shiny thing just slightly in view. Arse.
 
Uriel said:
Scraped and dinted the nearside front door and sill on a metal fence marking the edge of the trolley park in Tesco's car park. Nice.

Just got off the phone starting my first insurance claim since 2003. Marvellous.

It was low- just a cm or two above the bottom of the window and I'd forgotten it was there. Should have remembered it was there or noticed the shiny thing just slightly in view. Arse.
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How bad was it? Was claim really worth it?
 
grudas said:
How bad was it? Was claim really worth it?
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Don't know really. I'd say lower door and sill are depressed in about 2cm and the paint is scraped off. I'd say £400-500 in paintwork before we even get take into account rectifying the body work.

Excess is £150. My NCB is at the maximum of 9 years. Making one claim will reduce it to 4 (according to my LV policy document). And there's of course the effect that causing a minor accident will have on the premium. A fair bit is unknown.

I'm guessing in the short term I'll be better off claiming. Longer term, who knows?
 
Yeah theres no way I'd sacrifice 5 years no claims for a £400 repair. :(

What car is it? I can't remember what you drive.

Could be worth it if it is something rather expensive, as a proper job would likely cost more than that I'm guessing. Either way, I'd get some repair quotes. :)
 
Acme said:
Yeah theres no way I'd sacrifice 5 years no claims for a £400 repair. :(

What car is it? I can't remember what you drive.

Could be worth it if it is something rather expensive, as a proper job would likely cost more than that I'm guessing.
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I don't think it's a £400 repair but I could be wrong- paint could come to that alone I reckon. I have no experience of body work being done. It might not be too pricey if they can pull out the door and sill dents. Likely to get expensive if they need to replace anything.

Edit: It's a 2010 Honda Insight ES.

I will talk to a body shop that's done paintwork for me before regarding a quote - I'd quite like them to do the work even if my insurance company are paying. Can do the maths regarding claiming vs not. However - the insurance will have the incident on file. Likely that will now affect my premium irrespective of what happens with NCB.

Further edit: A glance at PH repair threads seems to indicate that it's going to be in the £600-£1k region to fix properly. A bit of a tidy up would come to a few hundred.
 
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I'd still say that even with the top end estimate, you'd be better off just paying to fix it yourself.

Once you add up your excess, your loss of ncb, and the need to report a claim for a fair few years, it soon adds up to more than the potential £1k quote.
 
My S2000 scared me in anything other than perfect conditions.

But I did have AD08R's, Ohlins coilovers and stiffer anti roll bars on.

I'd have another.
 
Armageus said:
He can cancel the claim, but they will still somewhere note that an incident has been reported and likely include it in his renewal accordingly
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^^^
This.

Technically, I think you're obliged to report such incidents to your insurance. Many don't though for precisely the above reason.

While the post I drove into looked absolutely fine - there was still technically 3rd party property involved.

I like to think I'm an honest chap and I informed the store - plus I'm fairly sure it would have been on CCTV if they did decide to follow it up.

My insurance company is due to phone me to discuss it later - so I'll let you know if I've got it wrong.

Edit: Handy summary of the options and implications here: http://www.confused.com/motor-insurance/your-cover/car-insurance-is-claiming-always-a-good-idea
 
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