Damage to Parked Car

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armband1
armband1 Posts: 1 Newbie
in Insurance & life assurance
A lady damaged my rear bumper reversing out of a car park. The damage was slight with an estimate of £240 including vat.

Initially the lady drove off I suppose thinking no one had seen her, luckily a witness took her number.

I have text messages from the lady admitting liability. I had the repair done and sent her the bill, she now says she wants to go through her insurance company, but I do not want to risk my no claims for such a small amount.

Any advice, can I personally contact her insurance company direct? I presume this lady must have an excess of more than £240 so she will no doubt end up paying out of her own pocket anyway.

Is she trying to make this difficult?

Comments

  • littleredhen
    littleredhen Posts: 3,280 Forumite
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    You should let your insurance company know anyway but it shouldn't affect your no claims bonus, your insurance company is claiming from her insurance company
    The mind is like a parachute. It doesn’t work unless it’s open.:o

    A winner listens, a loser just waits until it is their turn to talk:)
  • daveyjp
    daveyjp Posts: 12,522 Forumite
    First Post Name Dropper First Anniversary
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    Go through her company, she should report it anyway.

    However you will have to declare the accident next time round and your base premium may increase. Mine almost doubled following a no fault claim!
  • Sparx
    Sparx Posts: 909 Forumite
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    Contact her insurance company directly.

    If you don't know it and she will not tell you, go on askMID.com and check yourself. They have a 'one off search' which costs £4 which will give you the insurance company and policy number.
  • forgotmyname
    forgotmyname Posts: 32,552 Forumite
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    Hope you notified your insurer.
    Censorship Reigns Supreme in Troll City...

  • Quentin
    Quentin Posts: 40,405 Forumite
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    Sparx wrote: »
    They have a 'one off search' which costs £4.....
    No charge if you use a smartphone
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