Accident on the car park

tibetanfox

Please advise:
On the hotel car park my girlfriend stupidly pressed accelerator instead of brake and smashed the door (like those silly moments videos).

Who should be in charge of the payment? Is it better to solve it directly, or with insurer?

Tried to solve the repair with hotelier directly, but what if he asking me to pay twice amount, as it cost?

Thank you

chanz4

dont forget they have to use safety standard glass, if you dont like their quote insurance is only way

Quentin

If you solve it yourself you won't lose any ncd.

You need to find out the cost of repairs then see what a claim and lost ncd does to your premiums by doing dummy quotes online.

Presumably though the hotelier wants this doing quickly?

In which case he may pursue a claim via his or your insurance. Again, if your insurer pays and it is cost effective you can reimburse your insurer and get your ncd reinststed.

InsideInsurance

Even if you do settle privately remember to inform your insurers of the incident.

On what grounds did they double the cost? Your insurers would debate the costs to some degree but they'll balance the economics of the cost of debate -v- the amount in dispute and so may settle for a higher sum than you would as they dont consider the "principle" of the matter just the economics