Car park accident

Bassmansam

Bassmansam

Bassmansam

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Joined
22 Nov 2007
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I was driving to find a space today and a lady reversed into the side of my car. I didn't call my insurance as the car is under warranty and came with a leaflet (details below)from Suzuki about calling them if you are in an accident. So i did that and they took all the usual details and i've had to fill out a form and send off some images of the damage.

They said they will contact my insurance on my behalf. Thing is , they offered me a hire car and i said no and they persuaded me until i said yes. I was intrigued as to why they wanted me to say yes so much and after a google it appears that they will hire me a car on credit at extortionate costs and will then claim the money from the third party. However if they refuse to admit liability those charges will be on you. I wfh so i don't urgently need a car fortunately so i will be informing them of this next time i talk to them. Apparently they can refuse to help me if i say no to the hire car and if thats the case and i haven't informed insurance myself they may turn around and say why didn't you contact us ASAP. I'm a bit confused on what to do. I've had a text in the last hour from the third party insurer admitting liability so thats good.

The damage doesn't seem too bad but i don't have a clue about this kind of thing, is anyone able to estimate if it would be a big repair job? Is there a possibility of write off?




Suzuki Accident Aftercare | Suzuki Cars UK

Find out about the Suzuki accident aftercare service which is completely free for all Suzuki owners.
cars.suzuki.co.uk cars.suzuki.co.uk
 
sx_turbo said:
Yeah contact your insurer and call Suzuki and tell them you want to ancel the higher car.

As it's all been done over the phone you should be covered by distance selling rules.

Don't back down. The damage isn't that bad and if the insurance company fix it they will give you a hire car (if it's on your policy) or the body shop might give you a hire car.
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But suzuki said they will handle the insurance for me and said not to contact them. All seems a bit odd to me.
 
ex
jpaul said:
if you look at the details of the company providing the suzuki service ... it's not necessarily a group of ambulance chasers

Car Care Plan Protex | Car Care Plan

carcareplan.com carcareplan.com

just need to check that any expenses they incur would be satisfactory to 3rd party insurance ...
other than that if they are providing an integrated warranty and accident repair service you maybe benefitting from something that suzuki payed for that was part of the purchase price of the car.

e:
Suzuki Accident Aftercare is provided by Car Care Plan Limited which is registered in England, Company No. 850195 at Jubilee House, 5 Midpoint Business Park, Thornbury, West Yorkshire, BD3 7AG.

Suzuki Insurance is arranged by Car Care Plan Limited, which is registered in England, Company No. 850195 at Jubilee House, 5 Midpoint Business Park, Thornbury, West Yorkshire, BD3 7AG and authorised and regulated by the Financial Conduct Authority, No. 309268. Car Care Plan Limited arranges policies from a panel of insurers, details are available on request. To understand how we may process your information read our Fair Use Notice a
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Thats interesting, the company who i was passed onto are called Kindertons

Car is second hand but from Suzuki dealer if that makes any difference.
 
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jaybee said:
Looks like a third generation swift? The lowest priced earlier ones seem to fetch about £4000. I doubt it would be written off for that but it depends. Some approved repairers may quote you for two new entire doors and possible minor sill damage (can't tell from the pic). Depending on the level of repair (i.e. if they provide full doors with all the trim exterior and interior) plus paint and blending and labour. It wouldn't surprise me to see a quote for a couple of grand for that. Unfortunately that's just how it is in the insurance world even though Dave down the road could repair that with filler for a few hundred quid. Just preparing you op. We had a similar thread recently. Actually I wonder what happened with the other dude...
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Thats ok i won’t be paying the third party insurance will be. Not sure what generation it is, its 2020 reg.
Thanks for the info
 
Called my insurance today who have referred me to a garage to fix the damage next week. I've emailed accident management company saying i don't want to move forward with them.

I haven't signed any contract with them so assuming no issue there.
 
*update*

I cancelled the claim with the accident management company and informed my insurance on Saturday morning and got booked in for a garage to collect the car for repairs. 31st is earliest they can do which is ok as i wfh and only make short trips at this time of year.

I had a phone call earlier from the 3rd party insurer saying if i let them handle the claim/repair AND take a hire car they will pay me £500. Sounds good to me but am are there any cons for accepting this offer?
 
Well i have cancelled the repair work with my insurer and gone with the 3rd partys garage and i will be £500 up.

How strange that a little car accident has resulted in me being £500 up, it must be Christmas!

Ho ho ho merrry christmas all!
 
jpaul said:
Did they give you a web link, we can see, for the £500 option - how do they word it,
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from email they sent..


We write further to our telephone conversation. You have told us that you do not wish to take up our offer to provide you with a replacement hire vehicle or our offer to repair your vehicle.


We accept that our customer is at fault for the above accident. Whilst we appreciate that you have said you have made other arrangements to repair your vehicle and/or for a replacement hire vehicle, we want to set out the terms of our offer to you and to let you know that our offer remains open for you to accept. If we help you with regard to any damage caused to your vehicle as a result of this accident, it could save you claiming from your insurers and paying an excess. We can supply you with a free replacement hire vehicle whilst yours is off the road and make arrangements to have your vehicle repaired using a member of our approved network of repairers or a repairer of your choice.


If your vehicle is uneconomic to repair, we can pay you for its pre-accident value and arrange for its disposal.


This is free of charge to you. Some of the benefits are:


We will pay £500 if you use our repair and hire services.
 
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