Stone chip damage from a Lorry

[the wopster]

My car received a lot of stone chip damage this morning from a lorry that was shedding its load because it wasn’t secured at the top correctly, I was joining from a slip road behind the vehicle, would I be able to get the HGV company to rectify the damage, I have it recorded on my dash cam where you can see and hear the load hitting my car, I don’t want to claim on my insurance but would my insurance company be able to pursue the other company with the dash cam footage?

 

[FBi7]

would I be able to get the HGV company to rectify the damage

what did they say when you asked them?

 

[jpaul]

wouldn't you report it to the police ASAP since you have evidence ? hard to see an HGV company not doing the repair on their insurance company books, and, they would take it most seriously with a report#.
(often in Cambs have lorries with loads of potatoes , they're not joining major roads, but you stand back just in case; can see the lost ones at the bends/bumps )

 

[GravyMonster]

would I be able to get the HGV company to rectify the damage

You can certainly ask them, but I would imagine they will tell you to jog on. Even with your video evidence I'd imagine you're going to be fighting an uphill battle to get reimbursed for any damage.

How much have you been quoted to repaint the panel(s)?

 

[Dis86]

We've done it a few times where one of our drivers has been a muppet. Can report to the police also as its the drivers responsibility to secure their load. Should be covered or netted.

 

[the wopster]

You can certainly ask them, but I would imagine they will tell you to jog on. Even with your video evidence I'd imagine you're going to be fighting an uphill battle to get reimbursed for any damage.

How much have you been quoted to repaint the panel(s)?

Only happened this morning, this wasn’t a single stone-chip, it was like getting hit by a gritting truck but with stones.

 

[the wopster]

what did they say when you asked them?

They asked me to send in the footage

 

[ci_newman]

You should have just reported it to your insurance and let them deal with it

 

[the wopster]

You should have just reported it to your insurance and let them deal with it

Only just happened this morning, will report it to the police as well, just wanted to give the company a chance first

 

[the wopster]

Well they came back saying it was only carrying wheat so couldn’t have caused chips to the paint work, but here is our insurance details if you want to talk to them.

 

[Drangueos]

Is the video clear enough that you can see the stones falling from the truck?

 

[Feek]

Well they came back saying it was only carrying wheat so couldn’t have caused chips to the paint work,

I used to work in the milling industry and when the wheat was unloaded, before it went to be milled, all the rubbish that was with it had to be filtered off.

So it’s very likely there were stones and other detritus there as well. That’s no excuse.

 

[the wopster]

Is the video clear enough that you can see the stones falling from the truck?

I used to work in the milling industry and when the wheat was unloaded, before it went to be milled, all the rubbish that was with it had to be filtered off.

So it’s very likely there were stones and other detritus there as well. That’s no excuse.

Took a few stills

 

[Mercenary Keyboard Warrior]

wouldn't you report it to the police ASAP since you have evidence ? hard to see an HGV company not doing the repair on their insurance company books, and, they would take it most seriously with a report#.
(often in Cambs have lorries with loads of potatoes , they're not joining major roads, but you stand back just in case; can see the lost ones at the bends/bumps )

Directly near me the farmer mainly farms onions. Always plenty spread around. as they bounce around shedding them from the back of the trailer.
Having previously lived in Bury St Edmunds, you stayed well away from beet lorries. Those things hit like a house brick.

 

[GravyMonster]

What's the actual damage to your car?

 

[the wopster]

What's the actual damage to your car?

Chips to the paint work on the bonnet and a couple on the roof, only had the car 5 months and it gets washed by hand twice a week, so I would have noticed if there were any marks on the paint work

 

[ezekial]

I wouldn't go through my own insurance unless I have exhausted the avenue of allowing the company to rectify it themselves.

 

[the wopster]

I wouldn't go through my own insurance unless I have exhausted the avenue of allowing the company to rectify it themselves.

Yeah that’s my thinking, I have contacted the companies insurance, but there is no chance I’m going through mine

 

[adam cool dude]

Good old bulk tippers. Typical.

 

[~Mike~]

Well they came back saying it was only carrying wheat so couldn’t have caused chips to the paint work, but here is our insurance details if you want to talk to them.

I doubt it was wheat, looking at your stills from the video it looks more like rock salt which would cause chips to your paint work.