Accident damage to car

OddballJamie

I'll be on the phone to the insurance and get the ball rolling, if she coughs up then you tell the insurance you want to drop the case. I've done this before when a neighbour backed into me when I was stationary in the road, just having back off my own drive.

Alot can happen in six weeks, she could get hers fixed and deny it ever happened. Also if your son needs a replacement car while his is in the shop, who is paying for this?

neilmcl

OddballJamie wrote: »

Op if you ever need to search to see if a car is injured use this site, it's free.
http://ownvehicle.askmid.com/

I believe the OP already mentioned that they did an insurance search on the driver.

neilmcl

OP, the only time I'd let a third-party pay for damage is if they pay the repairer directly. If you have to pay yourself and then try and recover the amount from a third-party then I'd be inclined to claim directly from her insurer.

Also, you'll probably be obliged to inform your insurer of the incident regardless, but that's one for you to decide on.

Quentin

OddballJamie wrote: »

Op if you ever need to search to see if a car is injured use this site, it's free.
http://ownvehicle.askmid.com/

That doesn't give you details, merely yes or no.

The OP has obtained the insurer's details and policy number by paying as a motorist involved in an accident (and not breached any data protection laws either, which you do if you use the link you posted and input a car you aren't entitled to ask about)

You can add the cost of obtaining the information onto your claim along with all other costs involved over the incident.

Retrogamer

This could get messy.
If you wait too long, your insurance might refuse to deal with it on your behalf due to not informing them of the accident within a reasonable timescale. Regardless if you intent to claim through them or not, they usually have a time limit for reporting accidents. Mines is 48 hours.

If you report the accident to the third party insurance and she doesn't admit to it, you'll need to prove she had an accident with your car and it was her fault so be sure to keep any texts, or emails stored and try and use them rather than direct phone calls so you can have a log of any agreements.

irri_tant

OddballJamie wrote: »

Op if you ever need to search to see if a car is injured use this site, it's free.
http://ownvehicle.askmid.com/

Been there done that the day after it happened. Even paid £4 to get more info even though her car came up as insured.

Strider590

irri_tant wrote: »

Monday 3rd June

The son’s car has suffered minor damage to the off side front wing and bumper. Done by a young female driver backing off the drive opposite.

I hope you suggested it wouldn't have happened if she learnt to reverse park........... I saw the very same thing happen right outside my house, Kia Picanto into the side of a brand new Ford Fiesta, an entirely avoidable incident had Miss Daftcow McDaft reverse parked in the first place.

irri_tant

OddballJamie wrote: »

Alot can happen in six weeks, she could get hers fixed and deny it ever happened.

Doubt she'll do that due to age of car and only scuffed her paint from what we can see.

OddballJamie wrote: »

Also if your son needs a replacement car while his is in the shop, who is paying for this?

Good point. He needs it to and from college & work. Would expect at least two days without transport.

OddballJamie

neilmcl wrote: »

I believe the OP already mentioned that they did an insurance search on the driver.

I read that and also that they paid for it, just trying to be helpful for anyone in a similar predicament who stumbles across this thread.

OddballJamie

irri_tant wrote: »

Doubt she'll do that due to age of car and only scuffed her paint from what we can see.

I also meant she will no doubt be given lots of bad/good advice on what to do.

Did your son get plenty of photos of where the cars were at the time of collision?
Reason I ask is that the front of your sons car is damaged, if the third party is given iffy advice, she could claim he hit her.

Straight after my bump the neighbour apologised, accepted blame, said he would get it all sorted after he finished work that day. After a week of chasing him I received a call from my insurance that he was claiming I had driven into him! Luckily I had already notified them earlier on in the week about it so they had something on file.