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  • FIRST POST
    • ripplyuk
    • By ripplyuk 17th May 17, 5:04 PM
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    ripplyuk
    Contractors working at my house, and my car has been badly damaged.
    • #1
    • 17th May 17, 5:04 PM
    Contractors working at my house, and my car has been badly damaged. 17th May 17 at 5:04 PM
    I have workmen out today fixing up my garden. There was a van and a lorry. It's a small cul-de-sac so I'm aware if anyone comes up the lane. I'm convinced one of these guys has hit the car and not said anything. They didn't tell me when they finished up, they just vanished.

    The car has major damage to the back panel. It's badly dented and has huge scratches continuing around the side. I'd only just got it fixed up after it was damaged during servicing!

    Could anyone tell me what I should do? I'm sitting here in a total panic.
Page 1
    • Guest101
    • By Guest101 17th May 17, 5:06 PM
    • 13,490 Posts
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    Guest101
    • #2
    • 17th May 17, 5:06 PM
    • #2
    • 17th May 17, 5:06 PM
    Well firstly you should ask them if they did it?
    • neilmcl
    • By neilmcl 17th May 17, 5:07 PM
    • 9,479 Posts
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    neilmcl
    • #3
    • 17th May 17, 5:07 PM
    • #3
    • 17th May 17, 5:07 PM
    Unless you have evidence to show who caused the damage then there's nothing much you can do but claim from your own insurance. You can try and front it out with your workmen but don't be surprised if they just deny everything.
    • ripplyuk
    • By ripplyuk 17th May 17, 5:08 PM
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    ripplyuk
    • #4
    • 17th May 17, 5:08 PM
    • #4
    • 17th May 17, 5:08 PM
    I've rang their boss. He says he's going to ask them if they did it. I can guess what their reply will be.
    • arcon5
    • By arcon5 17th May 17, 6:13 PM
    • 12,925 Posts
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    arcon5
    • #5
    • 17th May 17, 6:13 PM
    • #5
    • 17th May 17, 6:13 PM
    He should be able to look at his vehicle
    • debtdebt
    • By debtdebt 17th May 17, 6:29 PM
    • 132 Posts
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    debtdebt
    • #6
    • 17th May 17, 6:29 PM
    • #6
    • 17th May 17, 6:29 PM
    Like it or not, if they deny driving into your car, there's not much you can do.
    • ripplyuk
    • By ripplyuk 17th May 17, 6:41 PM
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    ripplyuk
    • #7
    • 17th May 17, 6:41 PM
    • #7
    • 17th May 17, 6:41 PM
    They must have hit it with the lorry that was removing rubble and soil from the garden because there is a small pile of that where the car was parked. A bit was actually on top of the car too. I've taken photos of everything but I accept that I can't prove it was them.

    I'm going to an accident repair place for a quote tomorrow. I don't want to go through my insurance, unless the cost is catastrophic (which it could well be). It seems unfair that I have would have to pay increased premiums for years when it wasn't my fault. I know this would be listed as a fault claim too. And, although my NCB is protected, the costs will still go up.

    I do have legal expenses cover with a different insurer. Should I ring them for advice, or will they be uninterested since I can't prove it?
    • debtdebt
    • By debtdebt 17th May 17, 9:23 PM
    • 132 Posts
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    debtdebt
    • #8
    • 17th May 17, 9:23 PM
    • #8
    • 17th May 17, 9:23 PM
    You could speak to the legal expenses provider but I doubt they'd take the claim on. They will only take a claim on if they think you have a better than 50% chance of successfully making a recovery. Currently with the lack of evidence of even identifying the vehicle that hit you, I don't think they'd take it on.
    • missile
    • By missile 18th May 17, 4:06 AM
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    missile
    • #9
    • 18th May 17, 4:06 AM
    • #9
    • 18th May 17, 4:06 AM
    You might want to examine your vehicle and the workmen's van. You may be able to match corresponding damage and paint transfer. You could ask your neighbours if they witnessed the incident.

    You can report your suspicion to the Police.
    "A nation's greatness is measured by how it treats its weakest members." ~ Mahatma Gandhi
    Ride hard or stay home
    • ripplyuk
    • By ripplyuk 18th May 17, 9:11 AM
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    ripplyuk
    There is white paint on my car from their lorry. I'll ask for their insurance details but I would still rather get a quote for repair before contacting mine. I don't have hire car cover so I'll be stuck without one.

    Should I ring one of these accident management companies?

    Is their any chance it is worth me trying the small claims court, if I pay out for it all?
    • Guest101
    • By Guest101 18th May 17, 12:10 PM
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    Guest101
    There is white paint on my car from their lorry. I'll ask for their insurance details but I would still rather get a quote for repair before contacting mine. I don't have hire car cover so I'll be stuck without one.

    Should I ring one of these accident management companies?

    Is their any chance it is worth me trying the small claims court, if I pay out for it all?
    Originally posted by ripplyuk


    Well if you have THEIR insurance details, you'd contact that company, not your own
    • bertiewhite
    • By bertiewhite 18th May 17, 12:25 PM
    • 335 Posts
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    bertiewhite
    They must have hit it with the lorry that was removing rubble and soil from the garden because there is a small pile of that where the car was parked. A bit was actually on top of the car too. I've taken photos of everything but I accept that I can't prove it was them.
    Originally posted by ripplyuk
    There is white paint on my car from their lorry.
    Originally posted by ripplyuk
    I'd be straight down to see the boss with the photos and see what he/she says.
    • Aylesbury Duck
    • By Aylesbury Duck 18th May 17, 12:26 PM
    • 614 Posts
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    Aylesbury Duck
    Has the manager come back to you yet? I'd wait until he responds. If his team admit to the collision, it's a case of claiming on their insurance.
    • AndyMc.....
    • By AndyMc..... 18th May 17, 12:27 PM
    • 542 Posts
    • 367 Thanks
    AndyMc.....
    There is white paint on my car from their lorry. I'll ask for their insurance details but I would still rather get a quote for repair before contacting mine. I don't have hire car cover so I'll be stuck without one.

    Should I ring one of these accident management companies?

    Is their any chance it is worth me trying the small claims court, if I pay out for it all?
    Originally posted by ripplyuk
    White paint that you believe is from their lorry.
    • ripplyuk
    • By ripplyuk 18th May 17, 12:44 PM
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    ripplyuk
    I've spoken to them again. They apologised for it and said one of the guys must have hit it when he was reversing. Apparently this guy hasn't come in to work today and is not answering his phone. They asked if I wanted them to fix it, or if I wanted to get it fixed myself. They seemed keen for me not to contact my insurer and said they would sort it through theirs.

    The garage are strongly encouraging me to use their accident management company, with a credit hire car etc. I don't feel right about increasing the costs, even if this third party will be paying, but I do need a car. They were adamant I don't need to tell my own insurer. I thought I had to, even if I wasn't claiming off them. Could anyone tell me which is true?
    • ripplyuk
    • By ripplyuk 18th May 17, 12:45 PM
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    ripplyuk
    White paint that you believe is from their lorry.
    Originally posted by AndyMc.....
    Yes. The lorry was white.
    • Aylesbury Duck
    • By Aylesbury Duck 18th May 17, 12:57 PM
    • 614 Posts
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    Aylesbury Duck
    I've spoken to them again. They apologised for it and said one of the guys must have hit it when he was reversing. Apparently this guy hasn't come in to work today and is not answering his phone. They asked if I wanted them to fix it, or if I wanted to get it fixed myself. They seemed keen for me not to contact my insurer and said they would sort it through theirs.

    The garage are strongly encouraging me to use their accident management company, with a credit hire car etc. I don't feel right about increasing the costs, even if this third party will be paying, but I do need a car. They were adamant I don't need to tell my own insurer. I thought I had to, even if I wasn't claiming off them. Could anyone tell me which is true?
    Originally posted by ripplyuk
    You do need to inform your insurer. It will be in your T&Cs with them. If you neglect to and it subsequently comes to light, you may end up in the difficult situation where your insurance could be cancelled.
    • neilmcl
    • By neilmcl 18th May 17, 12:59 PM
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    neilmcl
    I've spoken to them again. They apologised for it and said one of the guys must have hit it when he was reversing. Apparently this guy hasn't come in to work today and is not answering his phone. They asked if I wanted them to fix it, or if I wanted to get it fixed myself. They seemed keen for me not to contact my insurer and said they would sort it through theirs.

    The garage are strongly encouraging me to use their accident management company, with a credit hire car etc. I don't feel right about increasing the costs, even if this third party will be paying, but I do need a car. They were adamant I don't need to tell my own insurer. I thought I had to, even if I wasn't claiming off them. Could anyone tell me which is true?
    Originally posted by ripplyuk
    Put the claim through the builder's insurer, they should sort you out a courtesy car in the meantime. You do have to inform your insurer for information purposes only as you will see from the T&Cs of your policy.
    • ripplyuk
    • By ripplyuk 18th May 17, 6:21 PM
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    ripplyuk
    The quote for repairs is 2300.
    The whole quarter panel and the bumper need replacing. I passed the details on to the the third party and they are putting it through their insurance. They're taking their time and starting to talk about getting other quotes to see if it can be repaired cheaper, or using their own choice of repair shop. I'd much prefer to use my own place as they have a good reputation.

    Am I obliged to get more quotes and/or allow them to repair it? I don't trust they'll do a good job as I know they'll do it as cheaply as possible.

    Also, I've read that if I let the third party insurer repair it, I cannot go to the ombudsman if I'm not happy. Is that true? It's making me wonder if I would be better going through the accident management company. At least they'll be looking out for my interests.
    • PasturesNew
    • By PasturesNew 18th May 17, 6:22 PM
    • 58,700 Posts
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    PasturesNew
    Just in case... you should go bang on neighbours' doors, see if anybody saw something and assumed they'd own up/tell you.

    "Oh look, he just hit that car.... ah, working at the house - they'll tell them then"
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