another crap day

Alias_Omega

When you car is £200 you dont care about it, When your car is £20,000 you sure do care about it.

mcfisco

Its not a mater of not caring for it - its just a case of being realistic about the environment you want to operate it in.
I care for my car [a new Toyota Avensis T4 BTW] I just don't get too worked up about how shiny it is, I never polish cars, I just jet wash & hoover them out when they're dirty which is about every 3 weeks at the moment.

Markyt

If it needs repairing, get a quote from an independant garage, not a Mini dealer. If you are paying, you say where it goes for repair.

We had a 3" scratch on our Mini last year, for which the dealer wanted £340 to fix. We got it done by asking a friend at a local garage to have a look, he took 5 minutes with a cloth and polish and sorted it for nothing.

Alias_Omega

Its all about taking care of other peoples property. With car spaces getting narrower by the year, things like this will happen more and more, and its becoming fashionable on cars now not to have bump strips on car doors.

I suspect the OP has learnt her lesson, and from now on will take care when opening the car door.

This is why i dont try to park next to cars with car seats.

lexi

candygirl, i am sorry about what happened to you. To be honest if there wasnt any damage i cant understand why the other driver wants the hassle of reporting it, have the car go to the garage (loss of the car). It may also be that she may have the whole door replaced, as some garages will do this. However you do seem to have been unlucky. Supermarket car parks are notorious for accidents. I saw one recently where a disabled driver got out & thumped the car next door to him. He didnt do owt, just carried on. I took a note of the car reg just incase i heard anything, but nothing came of it. Years ago a very posh mercedes rolled back into my escort & hit the bumper, very liughtly. he got out so did i & there was no damage so we carried on. Of course its your word against hers , but i do think that there are signs where cars are parked at customers own risk, so maybe you could again have a word & try to get the work down without going thru insurers. If not check you ins premium. We have one where we have a no claims protection. Good luck.

waster_2

Alias_Omega wrote: »

Dont worry about it, this is why we all pay insurance premiums, unfortunately its a cut & shut case. You were seen too & admitted hitting the car door with your door. Therefore you have admitted liabilty and pretty much screwed on this.

............

What liability has she actually admitted to? Touching the bodywork of the Mini, not denting or damaging it. Indeed, she has actually denied doing any damage. So I do not follow what you are saying. How is she screwed?

plane_boy2000

Markyt - I dont think the Op is in a position to state where the car is repaired. I was the victim of an accident in my car a few months back and insisted thet it went to the supplyin dealer to be fixed as it was only a few months old. My insurer told me that as I was the victim I was entitled to decide where I wanted it repaired, and to avoid any future issues over things like the corrosion warranty of the car etc it was best to let the dealer or their approved garage repair it.

I do wonder if you may have been stiched up slightly - perhaps there was damage already there or on the other side of the car and she is going to claim you did it?

Or maybe it wasnt her car and that was why she was so worried by it and keen to get your details. Not quite sure on the legal position, but supermarket carparks are a minefield, although I thought that there was some law about you having to provide your details when asked so she may have infringed some law by refusing to provide details.

candygirl

An update since i last posted:Her insurance company are claiming through my insuarance (i don't undrstand this as i've only been driving since nov] but her ins compnay rang me today again asking for my address, and for me to ring them back.i rang my own insurance company who have rung them and told them not to ring me again as i have furnished them with more than enough details and they wont be geting my address.what a bl**dy pallaver.She has also said the dent was in her door, which is strange as my car didn't hit her door but the area behind it .I have pointed this out to my ins company who have noted it and will invetsigate when they have a look:mad:
The comment about the car being £200 or £20,000 isn't relevant as we all buy what we can afford, so theoretically my ka is worth as much to me as her "Top of the range mini":rotfl: :rotfl:

anewman

C_Ronaldo wrote: »

who remembers theyre insurance policy number off by heart, certainly not me, ive got more important things to remember,

Insurance scamsters probably do
http://www.safefromscams.co.uk/StagedAccidentScam.html
http://news.bbc.co.uk/nolpda/ukfs_ne...00/6248515.stm

As already said dents rarely cost much to repair, they certainly won't cost anymore because it's a "top of the range mini", in fact they'd probably cost less.

The way I see it is if you can afford an expensive car you can afford to lose the car or pay for repairs for any damage to it and the extra insurance costs. Anyone who moans about their car being "top of the range" is a complete loser. What's the point in affording an expensive car if you can't afford to lose it?! It's like putting a platinum diamond ring on your doorstep when you could barely afford to buy it.

candygirl

anewman wrote: »

Insurance scamsters probably do
http://www.safefromscams.co.uk/StagedAccidentScam.html
http://news.bbc.co.uk/nolpda/ukfs_ne...00/6248515.stm

As already said dents rarely cost much to repair, they certainly won't cost anymore because it's a "top of the range mini", in fact they'd probably cost less.

The way I see it is if you can afford an expensive car you can afford to lose the car or pay for repairs for any damage to it and the extra insurance costs. Anyone who moans about their car being "top of the range" is a complete loser. What's the point in affording an expensive car if you can't afford to lose it?! It's like putting a platinum diamond ring on your doorstep when you could barely afford to buy it.

:rotfl: :rotfl: :rotfl: :rotfl:
well said!!I also think if anyone has to point out that something is top of the range, designer or expensive it shows a lack in them anyway.
As I am totally new to this driving lark I am not sure what will happen next.will i have to pay the excess if they are claiming off my insurance?To be honest with all the other crap that is going on in my life at the moment (see some of my other posts for clarification) I shouldn't give a toss about this, but i think it was her bolshy attiude that got to me more than anything. I know my insurance premium will go up next year and i will lose my no claims bonus but im not sure about the excess.I always thought i understood insurance, but car ins is a minefield