Car Insurance claim help!

Chippy_Minton_2

Daymo66 wrote: »

ummmm.....
so any issues relating to 'leaving the scene' are not valid.

The offences are fail to stop and fail to report. Both are covered under the road traffic act. There is no offence of leaving the scene.

Your "issues" are very valid and could get you some points.;)

Chippy_Minton_2

FAILURE TO STOP AFTER AN ACCIDENT
It is an offence for a person being the driver of a mechanically propelled vehicle and owing to the presence of that vehicle on the road or other such public place an accident having occurred whereby damage or injury was caused did fail to stop and give his name and address and identification marks of the vehicle.
Road Traffic Act 1988 s 170 (2)

Daymo66

I left the scene to park in the space next door I guess! I have no idea WHEN the damaged happened exactly - just that it was right outsdide my house.

I'm just asuming that she is being honest and that if someone went to the trouble of leaving a note then I must have done it.....

I am aware of the above listed offence - HOWEVER I had NO idea at ALL that any damage had taken place - if indeed it did, I have been led to understand that as long as no injury or damage was caused then there is no issue, and that if damage was caused as long as I was unware of it then the offence is not relevant? On balance its not like I smashed her car up and drove off - it is really very minor and barely noticeable and entirely credible for me not have realised or noticed if I did it.

I'm trying to be a !!!! about all this - but put yourself in my place....

No idea about the event in question, not heard anything for a month then all of a sudden presented with a HUGE bill for some TINY alleged damage and being chased daily over it!

I just need some advice and guidance

Cheers

stef73

Have you rang your insurance company and asked there advice ? , if it was me i would pass it onto my insurance company telling them you have no recolection of any incident . Is there any damage/ paint scrapes on your car ?

steveo3002

how about you show some respect for other peoples cars ...doesnt matter if its 4 or 24 years old

if you cant drive you own vehicle without knowing youve nudged itno other peoples cars then take some lessons or buy a smaller car

i hate coming back to my car finding some slob has bashed into it and slunk away thinking its okay beacuse its old or whatever

maybe the expense will teach you to a bit more carefull around other peoples stuff , you really should be aware when youve hit something or not

Chippy_Minton_2

Report the matter to your insurance and let them deal with it. If you don't know when you caused the damage how do you know what you did immediately after?

You don't know what this witness has said nor do we so we can't really advise on that.

Chippy_Minton_2

Since you keep repeating yourself.

Report the matter to your insurance and let them deal with it. If you don't know when you caused the damage how do you know what you did immediately after?

You don't know what this witness has said nor do we so we can't really advise on that.

That's sensible advice so do it.


How come you keep messing with your posts?
Your a new member and starting to act like a troll.

Daymo66

Wow....
Sorry my web browser went funny and posted the same post several times - i have deleted the others
Sorry for any confusion.

Thanks - steveo3002 really helpfull post....

The issue regarding the age of the car was that its NOT a '08 plate 911 or something of huge value to fix - it's a really common car and repairs of such a cosmetic nature should not be £1000+ and the dealer she has taken it to are trying a rip off!

My car is dear and precious to me - and I didn't mean to imply that hers was of no value and didn't matter.

I agree - and am really annoyed when people dent, scrape and bash my car, however I am also aware that it's a metal box I leave outside on the street!

You also clearly have an issue with it, but your post is unkind, not much use, and hostile.

I tip my hat to such an sage, skilled, astute and masterfull driver such as yourself who clearly has never so much as nudged another car or had any sort of accident, and hope that in the fullness of time I can attain such a good standard of zen like driving, whilst being as carefull, safe and patient as I can be.

In the meantime - I have NO IDEA what I did after allegedly hitting this womens car, I either parked up and went inside or drove off - if I even did it!

It seems like just talking to my insurance company is the best idea - which I will now do.

I've never had points or an accident before so was unsure as what to do, esp when it seems that the claims of the neighbour are so outlandish.

Its hard not to be a little worried about be ripped off and having my insurance cost rocket up, esp when the damage is so so minor - and I'm not even 100% sure it was me.

Thanks all

Chippy_Minton_2

Daymo66 wrote: »

The issue regarding the age of the car was that its NOT a '08 plate 911 or something of huge value to fix - it's a really common car and repairs of such a cosmetic nature should not be £1000+ and the dealars she has taken it to are trying a rip off! My car is dear and precious to me - and I didn't mean to imply that hers was of no value and didnt matter.

The repair shop will have to justify the cost to your insurance. Someone hit me about 5 years back causing a dent to the front wing of a Fiesta. I saw the bill for that it was in the region of £1200.

The other party is entitled to have her car repaired with genuine parts not for you to use a bodge it and scarper company.

Daymo66

cool,
so there is some process for auditing costs.

The company I was proposing isn't a dodgy company - and do repairs for all the major dealers, it's just a case of go direct and pay £60 or go through a dealer and get the same people to do the same work for heaps more.... I think it's a bit unkind to just assume I'm going for the cheapest option - also it will have a major effect on the value of her car in the long term if it's listed as being in an accident as opposed to a simple 20min cosmetic tidy up!

If there was some real major damage fair enough - but as I have said it's a VERY VERY minor deformation of a panel and possibly two very small scrapes.

I am really concrened that they are advising replacing a whole heap of parts and other sundry expenses on whats a routine and very minor bit of cosmetic damage.

I do get the jist of whats being said - I just hoped to avoid whats going to be adversarial, long and drawn out, since when the push (no pun intended) comes I'm going to deny liability, since hand on heart I have no recollection of doing it.