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Car hit by bicycle- what to do next
the_grid
Posts: 4 Newbie
I was at a mini-roundabout and the car was virtually stationary. A teenager on a bicycle, with his girlfriend on the handlebars, came from the left hand side, on the pavement. They were unable to stop and hit my front wing and the girl rolled onto the bonnet.
Luckily neither were injured, although the wing was dented and there is quite deep scratching on the bonnet. I'd like some help on the following:
1/ I went to the Police station to report it- they gave me a very lengthy form; is there any point in filling this out?
2/ I estimate the repairs to cost around £400. I have £150 excess on my insurance. Will this be a no fault claim & therefore not affect my NCB?
3/ The boy wrote down his name & address, which might or might not be real. However, I don't think he has much money so probably not realistic to make a claim against him and I'm pretty sure he is under 18?
Luckily neither were injured, although the wing was dented and there is quite deep scratching on the bonnet. I'd like some help on the following:
1/ I went to the Police station to report it- they gave me a very lengthy form; is there any point in filling this out?
2/ I estimate the repairs to cost around £400. I have £150 excess on my insurance. Will this be a no fault claim & therefore not affect my NCB?
3/ The boy wrote down his name & address, which might or might not be real. However, I don't think he has much money so probably not realistic to make a claim against him and I'm pretty sure he is under 18?
0
Comments
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Get a proper estimate first. Sometimes the small independant garages are a lot cheaper than the biggies. Maybe a call to his parents would help and they could fork out without you having to claim on your insurance.make the most of it, we are only here for the weekend.
and we will never, ever return.0 -
1. I would fill it out to get a record of what actually happened
2. No, it will be a fault claim unless your insurers successfully recover their outlay
3. Depends - if the boy's parents have any household contents cover as there is usually cover for personal liability0 -
1. I would fill it out to get a record of what actually happened
2. No, it will be a fault claim unless your insurers successfully recover their outlay
3. Depends - if the boy's parents have any household contents cover as there is usually cover for personal liability
good thinking there on no. 3 gerimake the most of it, we are only here for the weekend.
and we will never, ever return.0 -
A friend of mine was waiting at a junction in town when a drunk ran at him and dived on his bonnet.Somehow the drunk managed to make a claim which resulted in my friend losing his no claims,crazy I know,wouldnt be suprised if the boys parents try to do the same to you0
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