Minor Accident

Xire · 10 May 2013 at 09:13

Hi guys,

So this morning I managed to slightly bump in to a ladys ford Ka, the damage is very minor, a slight graze/scratch on the tyre arch.

My question is, what should I do? Do I phone her and say I will pay for the damage? or do I wait and see if she calls her insurance?

The outcomes are potentially not having to pay for any damage at all, going through an insurance claim (My excess is £550) or getting her to get a quote and me just paying for it.

Any advice?

acemastr · 10 May 2013 at 09:17

Offer to pay for the wing, it's plastic and I imagine it'd about £6 to buy

wingman · 10 May 2013 at 09:19

Leave it up to her to make the decision - she'll probably claim whiplash.

AJK · 10 May 2013 at 09:19

acemastr said:
Offer to pay for the wing, it's plastic and I imagine it'd about £6 to buy

Yeah, cause that's what a garage will charge to replace it!

[TW]Fox · 10 May 2013 at 09:42

You don't pay your excess for third party damage.

wingman · 10 May 2013 at 10:07

[TW]Fox;24255710 said:
You don't pay your excess for third party damage.

Had an argument with six or so colleagues once with this exact point, they were calling me an idiot for saying that an individual wouldn't pay their excess for third party damage. This was after one of those colleagues reversed into my car and he was worrying about his excess charge.

mattyg · 10 May 2013 at 10:09

[TW]Fox;24255710 said:
You don't pay your excess for third party damage.

Again something new learnt/learned from OCuk

bledd · 10 May 2013 at 10:14

But your renewal price should go up a bit, and you will lose some NCB unless it's protected. So it will cost you.

Django x2 · 10 May 2013 at 10:57

wingman said:
Had an argument with six or so colleagues once with this exact point, they were calling me an idiot for saying that an individual wouldn't pay their excess for third party damage. This was after one of those colleagues reversed into my car and he was worrying about his excess charge.

If he wanted to get the damage repaired to his car however, he would have had to pay his excess

wingman · 10 May 2013 at 11:06

Django x2 said:
If he wanted to get the damage repaired to his car however, he would have had to pay his excess

Fortunately for him, with the angle he reversed into my car, there was minimal scuffing to his car and a massive dent in mine