Neighbour crashed into my car

dagrowler

Hello,

Not too sure where I stand on this, can anyone help me?

So one evening I was dashing home as I was late for an evening out and I needed a wee. Shoved my car onto the pavement outside my house (admittedly double yellows) with the hazards on. Me and boyf ran into the house, I had a lovely wee, he stood in the living room.

Possibly 5 minutes later (probably not even that) dashed outside again and went to get into my car. My neghbour was standing over the road looking like he wanted to talk to me. I said "everything alright?" he said "yup" and walked off. As I shut my door I thought it made a weird sound but didnt think much of it. Got to my friends house about 5 mins later and noticed the door now is all misaligned, had a look and the front drivers side wing is all bashed in and the door is too.

Next day I rng the insurance who told me to ring the police as no-one had admited to it. I called the police and they said to talk to the neighbour and then call back if he refused to admit it or hadn't seen anything) I then went and knocked on their door as I assumed he'd seen what had happened (or possibly he'd been involved). He wasnt in and his wife didn't know anything about it.

He later came and admitted it was him and all was fine. He said he'd like to manage it off the insurance if possible as it only looked like about £100 worth of damage (ahem). I've since been give two quotes £1100 and £959, he's disputing it and thinks its a max of £300.

I've got his reg number but not insurance details and i'm not too sure what the next step should be. He's quite scary.

atrixblue.-MFR-.

sounds as if he doesnt want to pay out to you to have your car fixed, hand the reg number over to your insurers, they will contact him, and ask for his insurance details.
you can also check to see if he is insured himself by going to askmid and entering his reg number but read the terms and conditions first.

Jon_Tiffany

If he thinks your quote is too expensive then tell him to go through the insurance - thats what its for. An alternative would be for him to suggest a repair place and get a quote from them.

My concern would be that he is not insured.

Second concern is that as he is a neighbour there is the risk of ongoing bad feeling.

I hope it works out for you, these things can be a real hassle

dagrowler

I share your concerns Jon Tiffany! I'm hoping to move soon anyway so even if there is bad feeling it'll be shortish lived. He's not keen to go through insurance as it'll wreck his no claims (my arguement there is, maybe he should have looked before he reversed )

teabelly

Go through insurance. You must claim directly from his for the damage. If you claim on yours then he doesn't pay up then you lose your NCB and your excess! Also if you arrange to do things outside insurance his insurance company can decide not to pay up as you have circumvented their role. So if the dopey twerp doesn't like the cost then he could refuse to pay anyway.

If he gives you any hassle then report that to the police too. Harassment is unacceptable. Also keep a specsavers leaflet handy to give him if he starts being a total wombat

Strider590

dagrowler wrote: »

He later came and admitted it was him and all was fine. He said he'd like to manage it off the insurance if possible as it only looked like about £100 worth of damage (ahem). I've since been give two quotes £1100 and £959, he's disputing it and thinks its a max of £300.

£300 done privately, £900-£1200 via an insurance repair centre.
Insurance repair centre's basically take their best quote and triple it....

dagrowler

Strider590 wrote: »

£300 done privately, £900-£1200 via an insurance repair centre.
Insurance repair centre's basically take their best quote and triple it....

The more expensive quote was just a normal garage though. The £959 one was the insurance people

magpiecottage

Do check what warranty you get on the repair. Some insurers are longer than others - some for as long as you keep the car.

dagrowler

One of them was 30 years for the paint and I can't remember parts... good point though, i'll check with the other garage...

sassy_one

Don't go sending him any more Christmas cards LOL

mbrijun

teabelly wrote: »

Go through insurance. You must claim directly from his for the damage. If you claim on yours then he doesn't pay up then you lose your NCB and your excess!

do you still lose your NCB in this case if it is protected?