She doesn't have an excess to pay for third party repairs, only if she chooses to have her own car repaired through insurance.
car park prang, first time, advice please [pics]
- Thread starter fRostiE
- Start date
She doesn't have an excess to pay for third party repairs, only if she chooses to have her own car repaired through insurance.
even if its 100% her fault and i need to claim on her insurance for the repairs?
Would running it through insurance affect my policy at all as I'm surely absolved of all fault being as it was parked and empty at the time!!?
First quote is back at £650 inc VAT
You don't pay an excess unless you are having your own car repaired by your insurer, so no - regardless of fault she will not have to pay an excess if she's only having your car repaired.
So for this accident, nobody pays an excess.
as soon as you let them know, it counts as a claim and most definitely your insurance will be higher for the next 5 years without a shadow of a doubt (regardless of fault).
it truly depends what the other side wants to do.
in my opinion that in the first picture you can probably scrape it off using your nails. as with the gap, you can get it sorted cheaply.
yours car structure does not seem to have been affected.
it truly depends what the other side wants to do.
in my opinion that in the first picture you can probably scrape it off using your nails. as with the gap, you can get it sorted cheaply.
yours car structure does not seem to have been affected.
Caporegime
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you will next year be asked. have you ever been involved in a claim. was it your fault, etc. what was the outcome. how much was the total claim, etc.
all of these questions and the answers you give impact on your own insurance price. you could have been at home sleeping and some guy ploughs through your hedge drunk to high heaven then into your car and it doesn't matter your insurance will go up.
They wouldn't even know, unless the repair has obviously been done by cowboys.
Associate
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not necessarily. A couple years ago I went to Mazda to ask about a paint claim on a 2yr old MX5 and they went around the suspect area and pretty much every panel with a paint thickness gauge. This will show the additional thickness of a respray, irrespective how original/good it looks. They justified measuring every panel to get an "average" value of the factory paint to compare around the panel I was questioning. I would guess that if any panel had abnormally high values, they would claim a repair job and thus decline?
No because you can't just spray over the top of the existing paint or lacquer, you have to stand it down first. If anything it might be to thin if they skipped on layers, but then it wouldn't match the rest of the car in colour.
Associate
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ah, I get you - but wouldn't there be a ring of higher paint where it's a blended? presumably you wouldn't get a solid edge where it's cut back to metal, so this surrounding area would be a layer or 2 thicker? Wouldn't the only way to avoid this be to strip and paint the entire panel?
Soldato
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Not true.
So much fear mongering about informing of RTIs.
They may choose to load your premium depending on the claim, its by no means certain.
It won't put it down though, I guess thats one thing you could say for sure.
Not if it's done properly, but painting is hard to get right. Plus it would be hard to find something like that unless they checked every inch of the car. Polishing it will also make the paint slightly thinner
Yes it might. I returned to my parked car a while ago and found it had been hit. A witness left a note on my car and I successfully claimed through the other party's insurance. My premiums went up at renewal. You're a higher risk if you've had one accident because statistically you're likely to have a second soon.
thanks for the replies
Had a 2nd quote back and a 3rd provided as a ballpark, pending the cost of parts:
estimate 1 : £642.68 inc VAT
estimate 2 : £410.64 inc VAT
estimate 3 - still pending £400-£500
All are from established accident repair centres... though i have no first hand recommendations from any of them but all seemed to talk the talk.
Third Party said:
Okay. Thanks.
My excess is £250, so not as much as I had thought. Looking at these quotes, going through my insurance is the best route forward, and I may as well get my car seen to as well. Thank you.
I replied:
No problem. I'm happy to go this route if that's your decision, the only thing i would consider is that future premiums may be higher as a result of a claim and in time outweigh what looks to be a ~£500 repair bill. There's no intended pressure from me on that part, just trying to be helpful.
we await her response. I don't really know which way i want this to go 2bh
Had a 2nd quote back and a 3rd provided as a ballpark, pending the cost of parts:
estimate 1 : £642.68 inc VAT
estimate 2 : £410.64 inc VAT
estimate 3 - still pending £400-£500
All are from established accident repair centres... though i have no first hand recommendations from any of them but all seemed to talk the talk.
Third Party said:
Okay. Thanks.
My excess is £250, so not as much as I had thought. Looking at these quotes, going through my insurance is the best route forward, and I may as well get my car seen to as well. Thank you.
I replied:
No problem. I'm happy to go this route if that's your decision, the only thing i would consider is that future premiums may be higher as a result of a claim and in time outweigh what looks to be a ~£500 repair bill. There's no intended pressure from me on that part, just trying to be helpful.
we await her response. I don't really know which way i want this to go 2bh
This annoys me.
I know my girlfriend is a terrible driver and doesn't notice things going on around her. If she got hit, even though it's not her fault, I'd say she could have avoided it a lot of times by being more aware.
So in that case I can see why you get penalised for non fault claims.
However I've had 2 cars driven into while parked up perfectly legally and safely, what the hell can you do about that? One woman even wrote off a Skoda vRS she hit it so hard side on in a car park. Suspect she was drunk as she only rang the pub once she was home....
But it was parked in a pub car park, therefore you're at a higher risk of having your car damaged than those who don't park in pub car parks
If the 3rd party is admitting liability then this won't impact your NCB's.
However as you've now been involved in an accident (despite not even being in the car which is the joke of it), you're now seen as a higher risk, and your base price could possibly increase.
As an example i believe it works something like this.
Base price = £500, (NCB's give you 50% off), total price £250.
After accident base price = £600, (An additional year of NCBs might now give you 55% off), total price £270.
Just a basic example, any hikes with insurance tax will also add to it. So for most people the increase in price isn't too noticeable.
The only time I probably wouldn't go through insurance is for a slight ding that could be put right via PVR type repair. In fact I just did that with my new Sportage, reversing in work car park, in the dark, unfamiliar/longer vehicle, no parking sensor on the base model etc. etc. just clipping the side of a protruding wall with the tail-gate edge.
My fault, so as no other party involved phoned around a few local repair companies and eventually got it put right for just over £200. Quite a good job, certainly not evident to the casual glance. However, had another party been involved whether my fault or theirs, I would have gone through insurance regardless of who's fault.
Years ago I had a woman back into my Sierra in a car park when I was stationary and parked up. No witnesses and long before the era of dash-cams etc. but despite admitting liability at the scene, she recanted during the claim and it eventually went to court, where she didn't turn up and the claim went against her by default. Had I accepted a give me a quote and I'll settle in cash deal she would have denied it later, stiffing me with the £500 - £600 repair bill.
My fault, so as no other party involved phoned around a few local repair companies and eventually got it put right for just over £200. Quite a good job, certainly not evident to the casual glance. However, had another party been involved whether my fault or theirs, I would have gone through insurance regardless of who's fault.
Years ago I had a woman back into my Sierra in a car park when I was stationary and parked up. No witnesses and long before the era of dash-cams etc. but despite admitting liability at the scene, she recanted during the claim and it eventually went to court, where she didn't turn up and the claim went against her by default. Had I accepted a give me a quote and I'll settle in cash deal she would have denied it later, stiffing me with the £500 - £600 repair bill.
Which is why you give them the invoice, and get them to pay the repairer direct prior to any work being done. Repairer then rings you when payment has been made and you book in at your leisure.
At least that's how I did it when I caught some careless oaf clip the wing mirror on one of my cars.
But what if the other party then recanted, you've then lost 2 - 3 weeks (maybe) when insurance could have sorted it out.
In this case I also got a nice Dredd style sense of justice done when Court ruled against her - quite possibly had to pay costs as well.