My Car's been hit. Need some advice

Negotiate. She's going to lose her No Claims and that's going to cost her. It gives you a bargaining edge. Come to an agreement that benefits all.

PS - How come those Ben Hur chariot spike alloy's of yours didn't rip her tyres to shreds..............;):D
 
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Call the police and explain the situation. She will either then back down and admit full liability or refuse, in which case the police will want to know why she admitted but then backed down. If you get involved too much you could be seen as harrassing.

I know it sounds heartless to involve the police (if they are even interested!), especially as she innitially had the best intents and came to you but if she is now being dishonest she desrves everything she gets. I would also like to see her punished if she really did hit your car as I dread to think what her driving ability is like (how the hell do you hit a parked car on a dual carraigeway?). All too many times have I seen a coffin dodger clipping curbs, driving too close (and sometimes mounting) curbs etc. It's only a matter of time that someone like that will put someones life at risk and should have their license revoked.

She has abviously spoken to her relatives or pehaps her insurance company and recieved sound advice about not admitting liability but imo it's a little too late for that.
 
I'll offer my advice as i work in the industry.

Take full photos of her vehicle first of all. Seems a possibility that she did both sets of damage to me, hit the rear, moved her vehicle away from the car so no scraping down the side, but not in time to miss the mirror. Seems reasonable.

Regarding your vehicle, if the cost of the repairs are more than the market value then it will be a write off. When you get the engineer's report with a value, the engineer will also give you a salvage value.

If the car is safe to go back on the road, you'll be able to have your salvage deducted from your vehicle value, you keep the remaining money and the vehicle. Alternatively you scrap the vehicle and keep the full value.

If you make a claim on your policy and your insurers recover all their money from the other driver's insurers, your policy will be reverted back to how it was before the accident. Unfortunately a recent trend seems to be appearing where premium goes up regardless of fault. The fact that you've been involved in an accident is seen as a risk and thus your premium rises!

hope that helps
 
Thanks for that ste. I've spoken to the old couple and they are quite happy to deal with it outside the insurance providing that their car won't cost too much money to repair. They are waiting for their son to get back and inspect their car and give them the go ahead to give the money directly to the paint shop.

I don't want to mess about with insurance claims tbh, and i've got a quote of £200 from a paint shop where i had some work done on my Rx-7.

One thing i am concerned about is the race against time. Is there a time limit in which you have to contact your insurance company to make a claim? They are waiting for their son to advise them which route to take, and he doesn't get back until the weekend, so by then it will have been over a week since the accident happened.
 
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