Advice please - damaged my car on a speed hump :(

Daniel_san

I'm pretty sure the cost is reasonably accurate. I work in the aftermarket motor industry and have a lot of connections within it, so I'm confident it can be done without breaking the bank

FiremanDave

Daniel_san wrote: »

I'm pretty sure the cost is reasonably accurate. I work in the aftermarket motor industry and have a lot of connections within it, so I'm confident it can be done without breaking the bank

So this was all a waste of time then, all your talk of involving your insurance would have cost more than a couple of hundred quid over five years.

matttye

The point is that you should never cross the white line, but if you had crossed it after you'd gone over the bump then no damage would have occurred, so you would have gotten away with it.

Both are not okay, but only one would result in damage.

sh0597

It's not the land owner's fault. Didn't someone post a case law where a council had left a lamppost in the middle of a carriageway and somebody hit it, the council were found 20% liable?


The driver is driving in a part clearly marked for pedestrians, the land owner doesn't have a heightened duty of care, the bump is well marked.


Even if the land owner was found partly negligent it's still mostly the OP's fault.

Daniel_san

FiremanDave wrote: »

So this was all a waste of time then, all your talk of involving your insurance would have cost more than a couple of hundred quid over five years.

Honestly....do you read anything properly at all, ever? At no point have I said I was intending to make a claim on my insurance. Twice I've reiterated this, yet still you continue to talk about it impacting my insurance over the next 5 years.

sh0597

What exactly are you trying to achieve then?

FiremanDave

Daniel_san wrote: »

Hi all, I'll keep it as brief but as detailed as possible. Would like some advice please.

The car is a 2008 BMW 325D M-Sport convertible.

I went on holiday last week within the UK.
Stayed at a holiday home, self catering, on a large estate (over 200 "lodges").
The access is by a private road (I assume, as the sign for the place is at the entrance to the road, indicating to me it's all private grounds for the holiday estate).
The road is wide enough for 2 vehicles to pass each other but has a small section White lined for pedestrians to walk.
There were no pedestrians around at the time of the incident.
I'd gone over the speed hump along this road on the way in to the park when I checked in, and had no issue. I always go over humps slowly.
When I drove out of the holiday park on day 2 of my holiday, I passed an oncoming car as I went over the hump, and heard a huge BANG as I came off it (slowly, I remind you). On the exit side of the hump, the road dips down a little (going by the huge puddle next day, I guess it's drainage...), meaning my car landed on the side skirt on the left side. The right side didn't hit as the road didn't dip there. The skirt took the full force and is now dented and cracked, so will require repair or replacement.
I spoke to a woman on the check in desk and informed her I had damage to the car caused by their speed hump and the dip on one side and asked the woman what she suggested. She said to put it in writing, which I intend to. I asked if anyone would like to inspect the damage before I left to go home, and she declined, telling me that "noone is here to look at it"

Now, obviously I will write to them and include photos of the damage, along with the photos I have of the hump and road area either side of it. I noted that the other side of the road has had a repair "patch" done just before the hump (I took photos of this too), so maybe it's happened previously that side too, but I'm just guessing on that.


Any advice on how to approach and wording etc would be appreciated. I'm fairly sure they'll assume no responsibility and then I wonder if it's worth pursuing or not? I plan to call my insurance company on Monday too, as I should have access to free legal advice via my policy I believe.

Thanks in advance for any assistance.

Daniel_san wrote: »

Honestly....do you read anything properly at all, ever? At no point have I said I was intending to make a claim on my insurance. Twice I've reiterated this, yet still you continue to talk about it impacting my insurance over the next 5 years.

What do you think they would record it as?

Daniel_san

matttye wrote: »

The point is that you should never cross the white line, but if you had crossed it after you'd gone over the bump then no damage would have occurred, so you would have gotten away with it.

Both are not okay, but only one would result in damage.

Your post reads like it's obvious damage will occur by doing what I did, which you have no way of knowing in advance. I would bet every single vehicle that uses that road has driving over that White line at least once during their stay. Having driven over it on the way into the estate, I had no reason to suspect that doing so on route out would cause damage.

Daniel_san

Nothing. They wouldn't record it as anything until I request to make a claim. No other party is involved and no other party is making any claim against my policy either.

FiremanDave

Daniel_san wrote: »

Nothing. They wouldn't record it as anything until I request to make a claim. No other party is involved and no other party is making any claim against my policy either.

You're obliged to inform them of any accidents. Like the one you've had so when you ring for advice guess what they'll do. Ask questions and record it.

No other party was involved, except for the other vehicle you didn't get details of?