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  • FIRST POST
    • Hutch100uk
    • By Hutch100uk 21st Sep 16, 9:35 PM
    • 293Posts
    • 67Thanks
    Hutch100uk
    Someone hit my car - trying to pay cash
    • #1
    • 21st Sep 16, 9:35 PM
    Someone hit my car - trying to pay cash 21st Sep 16 at 9:35 PM
    So a young lass reverses into my car in a car park today (my car was the only other car in the car park!!!). She waits for me to return and admits liability and apologises etc etc. I take photos of everything, take reg number and all her details.

    I then report to my insurance company and they arrange for repair/courtesy car etc. Her insurance company also ring me to say she has admitted liability etc.

    Then, she rings me up to tell me she has contacted the insurance and tell me they have said her car will be written off (as its really old) and mentions her high excess and that she's only just passed her test etc. An hour later her boyfriend calls me asking if we can come to an 'arrangement'.where they pay for the repairs directly. Not sure if its because of her high excess but I suspect its more to do with her insurance premiums.

    I obviously tell him I'd rather not and that I suspect it will cost a LOT more than her excess to repair anyway. He then asked for photos of the damage so I'm not thinking "here we go".

    So, am now waiting on her retracting her admission. So, does anyone have any advice about this and what I should do or what could happen?
Page 1
    • loskie
    • By loskie 21st Sep 16, 9:50 PM
    • 864 Posts
    • 476 Thanks
    loskie
    • #2
    • 21st Sep 16, 9:50 PM
    • #2
    • 21st Sep 16, 9:50 PM
    dont go through your insurer but claim directly off hers.
    • Fat Walt
    • By Fat Walt 21st Sep 16, 9:50 PM
    • 258 Posts
    • 147 Thanks
    Fat Walt
    • #3
    • 21st Sep 16, 9:50 PM
    • #3
    • 21st Sep 16, 9:50 PM
    She won't pay an excess on your repair and if she doesn't claim for her car they won't write it off.

    Claim direct from her insurance as they have admitted liability. That was you won't be messing about with your excess.
    • Hutch100uk
    • By Hutch100uk 21st Sep 16, 9:57 PM
    • 293 Posts
    • 67 Thanks
    Hutch100uk
    • #4
    • 21st Sep 16, 9:57 PM
    • #4
    • 21st Sep 16, 9:57 PM
    dont go through your insurer but claim directly off hers.
    Originally posted by loskie
    I've been told by a few people to use my own insurance. That way if I have issues with any repairs, its easier to deal with.

    I told her boyfriend on the phone that she needn't bother claiming for her car as the damage is minimal.

    I don't pay an excess with my own insurance.

    My main concern is if she decides to changer her mind about liability.
    • angrycrow
    • By angrycrow 21st Sep 16, 10:08 PM
    • 140 Posts
    • 68 Thanks
    angrycrow
    • #5
    • 21st Sep 16, 10:08 PM
    • #5
    • 21st Sep 16, 10:08 PM
    You have nothing to worry about. She hit your parked and unattended car and has confirmed this to her own insurers so nothing for her to dispute. Worst case she tries to say no damage but she will struggle to argue this given her own insurers want to write her car off.
    • Joe Horner
    • By Joe Horner 21st Sep 16, 10:35 PM
    • 3,538 Posts
    • 2,860 Thanks
    Joe Horner
    • #6
    • 21st Sep 16, 10:35 PM
    • #6
    • 21st Sep 16, 10:35 PM
    Just be aware (it's a bit late now because they've been informed) that by involving insurers on minor damage any payout is effectively going to be a loan because they [i]will[i] reclaim it over the next few years in increased "had a claim" premiums.

    Had it recently with my partner. She managed to scratch someone's bumper (about 4 inch scratch, broke the lacquer but didn't mark the base coat) when visiting hospital to pick up her dad from a terminal cancer diagnosis. Admitted liability on the spot (because she WAS liable) and swapped details.

    By the time she got home (about 3 hours) they'd already informed their insurers, who'd put them on to an accident management company, who'd informed her insurer, obtained her email from them, and sent a threateningly unpleasant email about her "not reporting it yet / breaking the terms of her insurance / county court recover / blah blah blah".

    Obviously didn't give them the time of day but did forward the photos I'd taken of the (really minimal) damage to our insurers. The end result notified back to us was a £200 "cost of claim" including whatever fees the accident management lot put on it.

    Now, for that £200 payout Sian's insurance will increase by about £50 over he next few years but, running a few dummy quotes based on the other car and a non-fault, so will the other guys.

    So the insurers have effectively loaned £200 to get the job done (which we could have happily paid anyway and without the 2 month delay that occurred) and they'll be having that repaid by both parties over the next few years.

    Which is possibly why, as an industry, they're really so keen for you to tell them about all incidents....
    • DUTR
    • By DUTR 22nd Sep 16, 6:18 AM
    • 10,601 Posts
    • 5,986 Thanks
    DUTR
    • #7
    • 22nd Sep 16, 6:18 AM
    • #7
    • 22nd Sep 16, 6:18 AM
    I've been told by a few people to use my own insurance. That way if I have issues with any repairs, its easier to deal with.

    I told her boyfriend on the phone that she needn't bother claiming for her car as the damage is minimal.

    I don't pay an excess with my own insurance.

    My main concern is if she decides to changer her mind about liability.
    Originally posted by Hutch100uk
    Listen up!, your car was hit by a 3rd party, you want the car restored to a usuable condition as it was prior to the impact.
    If the 3rd party are going to pay directly then they can pay their,your or accident management company directly to re-imburse them. You don't need to get into any dialogue with the 3rd party afer the initial exchange of relevant details.
    • jimmy cricket
    • By jimmy cricket 22nd Sep 16, 8:11 AM
    • 211 Posts
    • 113 Thanks
    jimmy cricket
    • #8
    • 22nd Sep 16, 8:11 AM
    • #8
    • 22nd Sep 16, 8:11 AM
    So a young lass reverses into my car in a car park today (my car was the only other car in the car park!!!). She waits for me to return and admits liability and apologises etc etc. I take photos of everything, take reg number and all her details.

    I then report to my insurance company and they arrange for repair/courtesy car etc. Her insurance company also ring me to say she has admitted liability etc.

    Then, she rings me up to tell me she has contacted the insurance and tell me they have said her car will be written off (as its really old) and mentions her high excess and that she's only just passed her test etc. An hour later her boyfriend calls me asking if we can come to an 'arrangement'.where they pay for the repairs directly. Not sure if its because of her high excess but I suspect its more to do with her insurance premiums.

    I obviously tell him I'd rather not and that I suspect it will cost a LOT more than her excess to repair anyway. He then asked for photos of the damage so I'm not thinking "here we go".

    So, am now waiting on her retracting her admission. So, does anyone have any advice about this and what I should do or what could happen?
    Originally posted by Hutch100uk
    If it was me I would try and make the whole thing as painless as I possibly could for the other party. A new driver, so inexperienced. But, did the right thing in waiting for you to return and exchanging details.

    If she comes out of this experience feeling that the situation has been made overly difficult by the other party, she might think next time 'b<gger this for a game of soldiers' and drive off.
    • peter_the_piper
    • By peter_the_piper 22nd Sep 16, 8:49 AM
    • 23,678 Posts
    • 28,974 Thanks
    peter_the_piper
    • #9
    • 22nd Sep 16, 8:49 AM
    • #9
    • 22nd Sep 16, 8:49 AM
    Now she says she has brought her insurance into it she has to declare next time anyway.
    Just been through the "Lets not involve insurance, i'll pay" myself and had to involve his works/insurance company as he would not contact me after he had left the scene. Keep yours in the loop but still expect a rise in cost next time you insure, they use any reason to increase.
    Millies due back at Christmas.
    • foxy-stoat
    • By foxy-stoat 22nd Sep 16, 9:26 AM
    • 1,077 Posts
    • 607 Thanks
    foxy-stoat
    My main concern is if she decides to changer her mind about liability.
    Originally posted by Hutch100uk
    Unlikely, she could of just driven off and left your car damaged.....she waited for you to return....I have no idea how she can now change her mind about liability.
    • bod1467
    • By bod1467 22nd Sep 16, 9:27 AM
    • 14,775 Posts
    • 13,396 Thanks
    bod1467
    We've recently renewed my wife's insurance (with me as a named driver). I've had 2 claims in the past few years (1 for a door scratch; no identifiable party so effectively a "fault" claim, and 1 "non-fault" claim wherein someone reversed into me), plus an SP30.

    When we did the comparison I'd forgotten about the SP30 (as it has almost timed out) but had declared the claims ... the offer we went with was about 2/3 the price of the renewal from the existing insurer; adding the SP30 during the formal quote process added about £8.

    tl;dr ... claims and notifying the insurer may have an impact on future renewals, but as it's a competitive market it probably won't be quite as scary as others may make out.
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    • 70sthrowback
    • By 70sthrowback 22nd Sep 16, 10:00 AM
    • 65 Posts
    • 29 Thanks
    70sthrowback
    I had something similar a few years ago with a young girl running into the back of me. No issues about liability, but she didn't want to go through insurance due to premium increase etc... my experience is I would never settle privately again. I got 3 quotes from local body shop repairers and sent them to her. I then I had visits and phone calls from the boyfriend and "friends" to check the damage who could repair my car much cheaper. Her in tears guilt tripping me about how expensive it was (circa £600). I vowed I would never do a young driver a favour again, it was not worth the hassle.

    p.s I did report it to my insurer immediately, but informed them we would be settling privately. In the end she paid up only because I gave her an ultimatum to pay for the repairs (garage directly) or I would be going through insurance.
    • foxy-stoat
    • By foxy-stoat 22nd Sep 16, 11:42 AM
    • 1,077 Posts
    • 607 Thanks
    foxy-stoat
    Her in tears guilt tripping me about how expensive it was (circa £600).
    Originally posted by 70sthrowback
    I would be in tears if I had to pay ourt £600 for damage I caused someone else's car - thats why you pay for insurance.

    I wouldnt entertain settling privately unless I had no intention of repairing the car and they can prove they have access to £1000 cash in the bank.
    • CHRISSYG
    • By CHRISSYG 22nd Sep 16, 3:46 PM
    • 5,385 Posts
    • 14,876 Thanks
    CHRISSYG
    OP - Been through a similar situation myself , the other driver eventually admitted liability and his insurance paid out but i will have to declare it "notification only " for the next 5 yrs.
    • loskie
    • By loskie 22nd Sep 16, 4:23 PM
    • 864 Posts
    • 476 Thanks
    loskie
    My Forester was written off in feb this year. I claimed direct off the third party insurer but did notify my own. Bought the Forester back(155) and repaired it(350). Today I have renewed the Forester insurance for £158 fully comp increased the mileage from 5000 yr to 8000. No change in premium
    • consumers_revenge
    • By consumers_revenge 22nd Sep 16, 5:22 PM
    • 2,586 Posts
    • 1,306 Thanks
    consumers_revenge
    She waited, Id say shes honest.


    Wouldn't matter me if she wanted to pay for the repairs direct. I show her a quote, she gives me the money. End of.


    I've had this happen to the wifes car and as it was a bang to the boot and lights but the car was not that great anyway, just gave the cash to the wife to spend on something nice. I paid a few quid to replace the light.


    Some people just want to avoid excesses and claims for minor doinks ( I don't know how bad yours was )
    • jimjames
    • By jimjames 22nd Sep 16, 5:29 PM
    • 10,452 Posts
    • 8,430 Thanks
    jimjames
    Downside is that you've already notified insurance company so the accident is on your record and you'll get little benefit from not having a claim.
    Remember the saying: if it looks too good to be true it almost certainly is.
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