Help - Had a car accident - tiny scratch on the bumper

Quentin

rajinder wrote: »

Is it worth me informing my insurers of the event? Just reading and doing some online research where I see scams or stage accidents happen mostly at round abouts.

You are obliged to inform your insurer about this under the conditions of your policy.

Now this damage has gone down from £1000 to £60, (depending on who gets the quote), there is something clearly wrong somewhere!!

Who's winding who up?

ROY47

£280 to repair at local excellent spray shop

you'd never know it had been in a bump afterwards

where the hel. do they get £1000 from ??

damage below and above the black trim

the bit above the black trim is pushed in , hard to see in these pictures

ROY47

olly300 wrote: »

Raj -

Sorry if you slam into me then I get it repaired at the garage of my choice.

read it again !

Did he slam into the car infront ?

NOT according to him !

DUTR

ROY47 wrote: »

£280 to repair at local excellent spray shop

you'd never know it had been in a bump afterwards

where the hel. do they get £1000 from ??

damage below and above the black trim

the bit above the black trim is pushed in , hard to see in these pictures

Where are the after pictures honey?

DUTR

ROY47 wrote: »

read it again !

Did he slam into the car infront ?

NOT according to him !

We were not there to know the full details of the collision, one party says one thing, the other party says another, somewhere in between is what really happened.

rajinder

ROY47 wrote: »

£280 to repair at local excellent spray shop

you'd never know it had been in a bump afterwards

where the hel. do they get £1000 from ??

damage below and above the black trim

the bit above the black trim is pushed in , hard to see in these pictures

I was told the same that you'll not even notice the damage once it has been repaired.

The quote I got from my local garage was a favour from the owner as we've been doing our services and MOTs with them for years and he was kind enough to do it for decent price.

rajinder

olly300 wrote: »

Raj -

Sorry if you slam into me then I get it repaired at the garage of my choice.

If I'm working and don't have time you are welcome to see the quote and have a copy of the paperwork. As any reputable garage should be giving out proper quotation paperwork if they know it's a car accident.

If I do have time then you are welcome to come to the garage with me and talk to the owner then negotiate with them for my car to be repaired at your expense.

Olly -

I do appreciate that your frustration. And please don't get me wrong here. I am here to seek fair advice and if I had any ill intention that I'd not have given my details and offered to pay the young lady in the first instance.

I just don't want to be conned into paying £1000 or losing my No claims bonus unnecessarily when it could be that it's not my fault in the first place.

Again - I did not slam and the scratch is tiny and hardly visible. I'll upload pics once I figure out how to!

Being realistic then mechanics aren't the most honest people around especially the private ones. If my local garage can offer me the work at £60 I presume he's offering me at cost price and the same I got a quote for £110 from another independent garage nearby where I live.

Anyways - thanks for your help Olly!

Raj

Quentin

rajinder wrote: »

I just don't want to be conned into paying £1000 or losing my No claims bonus unnecessarily when it could be that it's not my fault in the first place.

If it could be not your fault, then don't pay for anything!

Deny liability and leave it to the third party to prove you were at fault.

rajinder

Quentin wrote: »

If it could be not your fault, then don't pay for anything!

Deny liability and leave it to the third party to prove you were at fault.

I only offered as a goodwill gesture but now I am keen on going the route of letting her know to go ahead an make a claim on the insurance and no longer lose my sleep.

Many thanks and much appreciated.

Raj

the95th

was there any noticeable damage to your car?
If the damage is only to the car infront, it wasn't a "Slam".

My advice would be to contact your brokers, or pop into the local store etc.

never bother saying "oh I'll pay for it" because it will only end up with one person being screwed over.