My car was hit by someone in a car park as they drove into the side of it whilst wife was driving. They admitted fault and wife and him exchanged details. We went away on hols and I did not have time to write him a letter that basically would have said, I've had a couple of quotes, and if you give me a couple of hundred quid, I will consider the matter closed and then we don't have to go through insurance and have both of our premiums go up etc.
Anyway, I came back from hols and I've already got a letter from his insurance which basically reads more like an advert actually... It basically has the reg of our car, an attempt at my wife's name which is completely wrong both first and last (she has a very ordinary name!). It has our address again put so badly I'm surprised we even received the letter. It has a claim number, a contact number and is basically from the claims department of his insurer.
It reads:
"Did you know we may be able to help you directly?
Why not give us a call on..."
Then it gives some more stuff about a courtesy car and that they can handle our claim directly.
The person that hit our car...his car was a 2013 plate Nissan. Ours is an old Ford Focus 2003 plate. His damage will have been very minor I guess, but may have needed a new bumper if he wanted rid of all marks. Our damage is basically £200 (cheap back street guy) - £350 (local body repairer) as I have had quotes. Its light scuff to the rear bumper, wheel arch and a scratch and dent in the door.
I don't know what to do. Sounds like he has already reported it and is getting his repaired. Bit annoying as I basically just don't want my insurance going up due to his fault. I know it's a non fault claim, but I think statistically I will be a number now and have to answer that question when I get new insurance of "yes, I or named drivers have been involved in an accident in the last few years".
I want it repaired but I'm happy enough to just buy a £40 door off ebay and T-cut the minor scuffs on the bumper and arch. Done. I think via insurance, they may actually write the car off? It must be worth peanuts. I mean it's otherwise good condition and about 100k miles. No issues.
Do I have to actually do anything at all? Do I have to phone my insurer to tell them even if I will never claim? Is the damage already done so to speak by him initiating it all and hence I may as well anyway?
Will it make no difference if I get it repaired via insurance or not in terms of future price hike?
Overall....just a bit annoying he's gone straight to insurer over such minor damage. Hey ho.
Anyway, I came back from hols and I've already got a letter from his insurance which basically reads more like an advert actually... It basically has the reg of our car, an attempt at my wife's name which is completely wrong both first and last (she has a very ordinary name!). It has our address again put so badly I'm surprised we even received the letter. It has a claim number, a contact number and is basically from the claims department of his insurer.
It reads:
"Did you know we may be able to help you directly?
Why not give us a call on..."
Then it gives some more stuff about a courtesy car and that they can handle our claim directly.
The person that hit our car...his car was a 2013 plate Nissan. Ours is an old Ford Focus 2003 plate. His damage will have been very minor I guess, but may have needed a new bumper if he wanted rid of all marks. Our damage is basically £200 (cheap back street guy) - £350 (local body repairer) as I have had quotes. Its light scuff to the rear bumper, wheel arch and a scratch and dent in the door.
I don't know what to do. Sounds like he has already reported it and is getting his repaired. Bit annoying as I basically just don't want my insurance going up due to his fault. I know it's a non fault claim, but I think statistically I will be a number now and have to answer that question when I get new insurance of "yes, I or named drivers have been involved in an accident in the last few years".
I want it repaired but I'm happy enough to just buy a £40 door off ebay and T-cut the minor scuffs on the bumper and arch. Done. I think via insurance, they may actually write the car off? It must be worth peanuts. I mean it's otherwise good condition and about 100k miles. No issues.
Do I have to actually do anything at all? Do I have to phone my insurer to tell them even if I will never claim? Is the damage already done so to speak by him initiating it all and hence I may as well anyway?
Will it make no difference if I get it repaired via insurance or not in terms of future price hike?
Overall....just a bit annoying he's gone straight to insurer over such minor damage. Hey ho.
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