Partner bumped into old lady

sparky260500

andydunf wrote: »

It all seems too much of a headache. Not going to get involved in some dodgy dealings with her and her grandson.

My no claims are protected anyway.

I understand my partner was at fault and its not nice to damage someone else's car. It's only fair for me to claim the insurance as I want her car to be fixed beautifully to its 2002 standards. If she has suffered whiplash I'd rather she received her full compensation package to help speed up her recovery as obviously 200 wouldn't cover all that.

very funny :rotfl::rotfl::beer:

Skintski

straighttalker wrote: »

Do you really have any clue whatsoever of how much things cost? An engineer's report to assess the third party vehicle would be around £80. The accident repair centre would be charging the insurance company around £50 - £100 an hour for their services. A like for like hire vehicle would be around £40 a day whilst the third party vehicle is being repaired. Then you have the cost of the parts, paint and materials.

Assuming the vehicle goes to a shop approved by the insurance company then the Accident repair centre will be charging somewhere between £20-£28 per hour. If the customer chooses it to go to a non-approved site then the hourly rate will be a little higher at around £35-45 per hour. Certainly nowhere near £100 per hour as suggested.

A courtesy car is generally provided by the vehicle repair shop which is all included in the figures above. Yes vehicle repair is an expensive business but I think you're getting a little carried away.

Labour makes up about 40% of a repair, dry materials make up roughly 3-4% and the rest is made up of parts and wet goods.

A bumper respray is generally £150-200 without accident damage (often colour/finish dependant) so if she is quoting you £300 to get a damaged bumper fixed then I would say that's pretty much to be expected.

At the end of the day, no matter what your view is on the state of her vehicle, your partner damaged it and has a responsibility to have it repaired to a satisfactory standard.

welfayre

Wonder what the OP would be saying if it was their 75 year old Granny on the receiving end?

marlot

If it were my 75 year old granny, I'd be telling her to go through insurance, and to stop answering the OPs phone calls. He had his chance to save some money, and blew it.

missile

Don't be an idiot. Pay her the £200 and tell "your partner" to take more care in future.

Tygermoth

Really, you are cutting off your nose to spite your face.

You NCB protects the percentage of your premium, so say 20% but if your premium goes up 100% because of your fault claim you still only get the 20% reduction of the 100% rise.... for the next three to five years (dependant on insurer)

Hells bell, pay the old dear and be done with it or you will be paying much more over a longer time.

buglawton

missile wrote: »

Don't be an idiot. Pay her the £200 and tell "your partner" to take more care in future.

Earlier OP said "We then asked her to take it to a garage to tell us the actual cost of the damage and she phoned us back today saying the damage will cost £300 to fix as apparently the Spare Wheel has become wedged in with the bumper due to the high speed collision at under 10 MPH".

Per post #25, that car is likely an insurance write off.

arcon5

You think £200 is a lot? Wait till you eestimate how much it'll cost you over the next 5yrs.
I'd offer 150 and betting she'd take it.
I'd al so do the same if I was her. Wouldn't repair the car either (other than no plate)

clarryd

The old lady seems to know a lot from her grandson. I would call their bluff and ask them to go through a garage of your choice. Then you would know exactly what the damage is.

The reason I say this is a few years ago I hit a car i was just starting off from stationery just outside my house, I think it was his fault as well as mine but because i went into him it was my fault. The man was 70+ if a day. Well I pulled over barely 5 yards from were I started off. I hit his back end drivers side. While I was looking around my car and looking at the damage to his car, he then decided to let me know that I also caused damage to his passenger side wing which was badly damaged. I took some pictures of his damage even the passenger side damage which there was no way I caused . He pointed out that he would be claiming for that damage also but I jumped in informing him that the damage to the front passenger side was not caused by this collision, so therefore was not claimable but he said he was still going to claim for it.

We exchanged numbers, insurance companies which we where both insured with the same company which made life easier. I telephoned the insurance straight after the collision to inform them what had happened and also sent them through the pictures of the damage even the passenger wing damage but I also said that I was not responsible for that damage even though he was going to try claim for it. Just so they were aware of the situation. To cut a long story short there was a younger man in the car with this old gent and he was the one telling him what to say and what to do. Well he was messing with the wrong person because I had photographic proof of the real damage and not every other damage to his car that he wanted fixed free.

The lady is probably listening to someone telling GS her what to ask for and say.

Try to get some pictures of the damage to her car and yours so if need be send them to your insurance company for proof of damage caused.

Just a bit of a rant and a heads up.

jc808

Remember the little rhyme about stopping distance:






















"Only a c**t hits the car in front"