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    • KatieW1985
    • By KatieW1985 11th Mar 17, 7:17 PM
    • 1Posts
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    KatieW1985
    Advice needed - who is at fault and what should I do?!
    • #1
    • 11th Mar 17, 7:17 PM
    Advice needed - who is at fault and what should I do?! 11th Mar 17 at 7:17 PM
    Hi all

    Wondering if anyone can give me any advice?

    This evening I was reversing out of a parent and child parking bay in Asda car park.. no one around at all... the next thing I know I hear a noise and I have reversed into a BMW!

    The driver had nipped into the spot next to me so quickly that I hadn't seen him at all. I was reversing to the right and I have slightly scuffed the passenger back end on the corner of his car which tells me I only caught his car because he had driven into the spot as I was coming out.
    He says it's my fault and I agreed as I was In fluster and gave him my name and phone number.

    Now I'm kicking myself as I have told him we can sort it outside the insurance ... he has a brand new BMW and it looks like I have slightly scuffed the paint work. He was making it out to be worse (can't blame him seeing as he has such an expensive car). It probably is my fault in the eyes of liability laws and right of way.

    What does everyone think? Shall I ring my insurance company and tell them this? I have 8 years protected NCD and I know this has happened as he was inpatient.

    Thankyou all
Page 1
    • antrobus
    • By antrobus 11th Mar 17, 7:44 PM
    • 14,661 Posts
    • 20,772 Thanks
    antrobus
    • #2
    • 11th Mar 17, 7:44 PM
    • #2
    • 11th Mar 17, 7:44 PM
    ..The driver had nipped into the spot next to me so quickly that I hadn't seen him at all. ...
    Originally posted by KatieW1985
    Yes, that's would happens. Drivers often hit things that they haven't seen.

    ...What does everyone think? Shall I ring my insurance company and tell them this? I have 8 years protected NCD and I know this has happened as he was inpatient.
    Originally posted by KatieW1985
    Contact your insurance company and let them deal with it.
    • Aretnap
    • By Aretnap 11th Mar 17, 7:48 PM
    • 2,599 Posts
    • 2,056 Thanks
    Aretnap
    • #3
    • 11th Mar 17, 7:48 PM
    • #3
    • 11th Mar 17, 7:48 PM
    If you were reversing there'll be a strong presumption that you were the one at fault, that coupled with the fact that you seem to have not been paying enough attention to notice someone driving into the space next to you (sorry, no offence intended but that's how it reads) means that you're very unlikely to be able to put the blame onto him. Shared liability (realistically the best you would manage) would have the same impact on your future premiums as full liability on your part.

    So your options are basically (1) pay him what he wants, even if you think it's excessive or (2) pass it to your insurers and let them pay for you.

    If you don't claim for damage to your own car there'll be no excess to pay and if you have protected NCD there'll be no loss of NCD - though your premiums will still likely rise a but because of the accident itself. You can get an idea of how much by doing a dummy quote on a comparison site, and decide what to do based on that.
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