Partner bumped into old lady

andydunf

Thanks for the replies.

I'd rather pay increased insurance premiums for the next 20 years than hand over £200 for an old banger of a Micra.


What whiplash can she claim if she jumped out the car like Mr Motivator straight after it?

I'm certainly not being greedy. The car is probably worth £600 max with 12 months MOT.

I'll be contacting my insurance company tomorrow.

Iceweasel

£200 would have been a very cheap escape .

You should have been rushing round to her house with the £200 in cash right away.

And got a signed receipt in 'full and final payment'.

But she would still have three years to put a claim for medical injuries undiagnosed at the time of signing.

£200 has now become £300 - give her the £300 before the bill gets bigger.

Or inform your insurance which you have to do anyway - and let them deal with it - the total bill will be a whole lot more than £300.

What you think of the value of her car is totally irrelevant.

andydunf

colin79666 wrote: »

It doesn't matter if her car is only worth £200. She has every right that you get her car back into the state it was before you damaged it. If that costs more than the car is worth then do be it. You are lucky she isn't suing for whiplash or loss of earnings. This is why we have insurance, if you don't like the thought of paying up then feel free to make use of it.

Doesn't it make it a write-off if it costs more to repair than what it is worth?

Aretnap

andydunf wrote: »

What whiplash can she claim if she jumped out the car like Mr Motivator straight after it?

Whiplash injuries tend not to become apparent until several hours after an accident. It's the people who get out of cars Saying how much their necks hurt who are trying it on.

ACG

A new bumper is around £65-75 by the looks of it.
You can be confident the garage are putting on their mark up so say £90.

2 hours labor at £40 per hour and your not a million miles off the £200.

colin79666

andydunf wrote: »

Doesn't it make it a write-off if it costs more to repair than what it is worth?

The insurance company may do that but they would have to provide her with another vehicle of similar specification, or the funds to do so. You (yourself or insurance company) can't refuse to pay up just because it doesn't make financial sense. For all you know that car could have belonged to her late husband and be of immense sentimental value, even if it is worth little in monetary terms.

Aretnap

colin79666 wrote: »

It doesn't matter if her car is only worth £200. She has every right that you get her car back into the state it was before you damaged it. If that costs more than the car is worth then do be it.

Totally wrong. She has a right to be put back in the same financial position as she was before the accident - which means either the cost of her repairs or the market value of her car, whichever is lower.

Mojisola

I had a car written off after an accident in a car park where the car that hit me was doing less than 10mph.

It's not always what you can see that's the real issue - it's the effect of the bump on the underlying structure.

chickendipperbabe

You should think about this logically OP - You feel she's ripping you off but you're only ripping yourself off here imho. Just pay the £200 - it was after all your fault. £200 is more than reasonable, in fact she sold herself cheap.

Involving insurers and approaching the situation with the attitude you seem to have will do no good. Sooner or later she'll "wise up" and find out she's onto a winner.

The last accident we had, also hit from behind our insurer (the actual insurance company) phoned us up and asked us if we would putting in a claim and offered us £900 each to settle there and then.

Joe_Horner

andydunf wrote: »

Thanks for the replies.

I'd rather pay increased insurance premiums for the next 20 years than hand over £200 for an old banger of a Micra.


What whiplash can she claim if she jumped out the car like Mr Motivator straight after it?

I'm certainly not being greedy. The car is probably worth £600 max with 12 months MOT.

I'll be contacting my insurance company tomorrow.

Nose, cutting, face, spite spring to mind.