one of the stupidest comments i've read on here. chips from roads and stuff are an accepted hazard of owning a car, some dork not checking his mirrors when reversing isn't.
Car "accident"
- Thread starter android-fan
- Start date
Soldato
- Joined
- 7 Aug 2004
- Posts
- 11,332
Absurd reply - not stupid at all, put a new plate on, and don't get insurance involved, it would only send up OP's insurance renewal - so the guy is taking the OP for a ride (yeah he admitted he did it, but lets not get precious about going through insurance JUST for a number plate)................if it was me I'd buy the guy a new number plate for a few quid and then not pay way more on insurance premiums - as soon as you tell them you made a claim, up the money goes.
Anyway as for the original poster - yeah, don't take any stick off him, offer to buy a new plate, but from what I read it seems you have already been in contact with the insurance people.
Soldato
- Joined
- 7 Aug 2003
- Posts
- 8,030
- Location
- Bedfordshire
I'd go through Insurance, the Merc Driver is clearly wanting to make things difficult, so do the same to him.
I'd expect the black registration plate mount to be cracked/smashed too if the bumper was.
I'd expect the black registration plate mount to be cracked/smashed too if the bumper was.
To be fair, if someone had reversed into me when parked I would want what ever damage repaired. My car is just a 07 edition 30 Golf let alone a late 09 Mercedes.
Also, there is a lot of electronics, collision detectors, radar/adaptive cruise sensors and the like all located in the 3-pointed star on the merc', so I would definitely want all that looked at at the very least.
Get him to get a quote and then go through insurance as it could easily be a fair bit over £500 just for a bumper and paint.
Also, there is a lot of electronics, collision detectors, radar/adaptive cruise sensors and the like all located in the 3-pointed star on the merc', so I would definitely want all that looked at at the very least.
Get him to get a quote and then go through insurance as it could easily be a fair bit over £500 just for a bumper and paint.
Soldato
- Joined
- 5 Sep 2011
- Posts
- 12,884
- Location
- Surrey
Your premium will take a hit regardless of what the insurer is having to pay out, as will his regardless of fault, so let him think he's getting one over.
It's either genuine and it has infact cracked the bumper, or he's just a tool. Either way, you're best off leaving him to get on with it like a kid in a ball pit, if that's what he wants to do. Depending on if he goes with an authorised repairer, or if he's allowed to source his own garage, it'll come in at £500 easily. If you're down south likely more.
It's either genuine and it has infact cracked the bumper, or he's just a tool. Either way, you're best off leaving him to get on with it like a kid in a ball pit, if that's what he wants to do. Depending on if he goes with an authorised repairer, or if he's allowed to source his own garage, it'll come in at £500 easily. If you're down south likely more.
Not quite right, if the OP admitted full liability (like he has) it won’t affect the other parties insurance future premiums at all. If it went 50/50 (for example) and he didn’t admit liability and 3rd parties insurance had to pay out then yes, it would affect 3rd parties future premiums.
Non fault accidents will still load your premiums with a lot of insurers, so there is a good chance the third party will take a hit for having to declare a non fault incident, even though the OP has admitted liability
Maybe, but I’ve gone through this situation for years with 2 non faults and it’s done nothing to my premiums.
Consider yourself lucky then, esure wanted an extra £70 from me for a non fault accident one of my named drivers was involved in, not even me!
Soldato
- Joined
- 5 Sep 2011
- Posts
- 12,884
- Location
- Surrey
Depends on a multitude of factors, including the car you drive (assuming it's the same car come renewal)
The number plate seems dealer specific, so can dealer confirm it has not been replaced since the owner had the car,
if not , and no signs of impact elsewhere then more likely OP did cause damage
- maybe say to insurance company that they should check ?
if not , and no signs of impact elsewhere then more likely OP did cause damage
- maybe say to insurance company that they should check ?
how do you knoiw your premium would not have decreased had they not happened.
It’s all hearsay. I had a guy in an mx5 drive into the back of me at a pedestrian crossing. No real damage that I could see but as it was a company car the company insisted on getting it looked at. When inspected the guy asked me to remove the sore tyre which I couldn’t do as the pan around it had crumpled.
Either ask him for a quote and tell him you’ll pay the garage direct or go through insurance is what I would do, even then it could be a mates garage so you could still get hustled but then again life’s too short.
Either ask him for a quote and tell him you’ll pay the garage direct or go through insurance is what I would do, even then it could be a mates garage so you could still get hustled but then again life’s too short.