Had a bump, what now...

StockportGerbil

Hi!
A few days ago I had went into the back of someone. She'd done an emergency stop and I didn't until it was too late - OK it was my fault....

I wasn't travelling very fast and there was no obvious damage on either car, hers was 10 years old and appeared to have had a hard life... Anyway she phoned up today (Sunday) to tell me a garage had quoted her between £70 and £100 to fix the damage (cracked bumper and couple of bent brackets.) Could I give her my insurance details or did I want to just pay her the costs?

If I go through the insurance company I think the excess is about £100 anyway and I wind up with a claim, which'll bump up next years premium. If I just pay the money was there any damage to the car or am I being taken for a ride?

Suggestions (apart from allowing greater braking distance) please?

Thanks

Kevin

mclaren_2

personally, i think she is being genuine with the costs - she could have said £300. i would give her the money. go to her house, appoligise, and give her the money.

Or ask her, if she would mind getting the work done, and you will pay - though, i think the first option shows trust and its what i would do

dont get insurance involved. Did the police attend? - if they did, insurance might know about it anyway, if they never attended then its basicly between the both of you

remember - when you give her the money, ask her, for a receipt: include the sum of money, date, what it is compinsation for and get her to sign it. that way, IF she decided to continue, you have some form of proof, you gave her money

if she asks why, just tell her its for your records as you need to keep a receipt of every outgoing money