scratched car

farenuf

My grandaughter has just sratched a neighbours car accidently while faling off her bike,The neighbour has the car on hire while his car is being repaired after a crash he has told my daughter she must pay for the damage is this correct,Can she claim on her house contents insurance

Chippy_Minton_2

farenuf wrote: »

The neighbour has the car on hire while his car is being repaired after a crash he has told my daughter she must pay for the damage is this correct

We don't know what the neighbour said.:rotfl:

But seriously how old is your grandaughter? If she's under 10 there's not much the neighbour can do.

But for the sake of a peaceful life, household insurance may cover it.

Torby

Chippy_Minton wrote: »

We don't know what the neighbour said.:rotfl:

But seriously how old is your grandaughter? If she's under 10 there's not much the neighbour can do.

But for the sake of a peaceful life, household insurance may cover it.

so being a parent means you don't have to take responsibility for your child? irrespective of accident or deliberate damage?...

maybe it's just me but I would feel obliged to pay for the damage...others may not...perhaps thats why the country's in the state its in....lol....who knows, after talking to the guy...it might turn out that as its a "loan" car for use by loads of people that the scratch is probably par for the course and expected by the lender..

Chippy_Minton_2

Torby wrote: »

it might turn out that as its a "loan" car for use by loads of people that the scratch is probably par for the course and expected by the lender..

I seriously doubt it, there was a thread a couple of days ago and a "scratch" was estimated at almost £400 to reapir by the lender.

Chippy_Minton_2

Torby wrote: »

so being a parent means you don't have to take responsibility for your child? irrespective of accident or deliberate damage?...

That's not what OP asked was it?

stormbreaker

The house insurance may cover her for liability. The only way to find out is contact them. If not covered then there is no way the neighbour can force your daughter to pay anything towards the repair. Any monies exchanged would be on a good will basis.

hundredk

farenuf wrote: »

My grandaughter has just sratched a neighbours car accidently while faling off her bike,The neighbour has the car on hire while his car is being repaired after a crash he has told my daughter she must pay for the damage is this correct,Can she claim on her house contents insurance

Can the neighbour ask to be reimbersed? Yes of course he can. Is he asking the person responsible for the childs supervision? Assuming there is no doubt over how it happened and by who it's reasonable to expect OP's DD to pay - why should he be out of pocket?

Claiming on house insurance - check the T&C's to see what's covered.

stormbreaker

hundredk wrote: »

Can the neighbour ask to be reimbersed? Yes of course he can.

He can ask but not demand. He can also claim of his car insurance!

david29dpo

The parent is liable in law.

hundredk

stormbreaker wrote: »

He can ask but not demand. He can also claim of his car insurance!

If someone damages your property I think you'll find you can make a civil claim to recover costs.

If he claims off car insurance there will still be costs associated with increased premiums and possible loss of NCB. If the insurers know who is liable they will look to recover costs from them.

stormbreaker

david29dpo wrote: »

The parent is liable in law.

Not so in Scotland!